Testimonials

“With the help of Payday Champion I was able to fix my broken down car with one easy payment. The bank would have never granted me a loan due to my credit score. Thanks to your services I no longer have to take a bus to work or depend on a ride home. A payday loan was so easy to obtain with Payday Champion!”

Rick L Los Angeles, CA

“After losing my job it became quite difficult to keep up with all of my bills. Before I knew it I began receiving collection notices and telephone calls from credit card comapnies I owed money to. After getting my new job, your site was able to find a lender to help me to clear my debt fast and easy. Thank you.”

Alissa R Houston, TX

“I have a terrible credit score and feel so embarrassed having to ask my friends and family for money. When my best friend told me how convenient and simple it was to get a payday loan through you I didn't believe it. Now I believe and I never have to feel embarrassed asking others to borrow money again.”

Susan D Anaheim, CA
 

Payday Loans

Frequently Asked Questions

What are Payday Loans?
Payday Loans are short term loans that may be referred to by many names, including payday advances, cash advances, cash check advances, or faxless cash loans.

What is the difference between a payday loan and a regular bank loan?
What distinguishes these loans is their relatively small dollar amount, namely that they are typically between fifty and fifteen hundred dollars, and that they are designed to be paid back when you receive your next paycheck.

What do I need to apply for a payday loan?
To receive a payday loan, many lenders ask that you have a job and a checking account in good standing. You must also provide identification and provide a post dated check for the borrowed amount. There are many websites that allow you to apply for payday loans online making faxless payday loans quite common.

What does the payday loan process involve?
The process will involve filling out a relatively short application, getting approved, signing some forms, and having the funds electronically deposited into your bank account. The lender will verify your bank routing number and bank account number, and as your funds are distributed electronically, your repayment will be debited from your checking account on your next payday. Depending upon when you submit your completed application, you may receive your requested cash on the same business day. In most cases however, approved loan amounts are available on the following business day.

Can I still apply for a payday loan with bad credit?
The difference with payday loans is that your credit history is not a factor, so with no credit, poor credit, or truly bad credit, the likelihood of getting a loan is the same regardless. As long as you have steady employment and a verifiable bank account that you are handling properly, this is what will matter to your payday loan lender.

What if I have filed for bankruptcy? Can I still be approved?
If the bankruptcy has been discharged, you may still qualify for payday loans. While more traditional loans may require you to put up some form of collateral if your credit is less than perfect, this is not the case with payday loans.

Is my personal information safe when applying for an online payday loan?
Reputable lenders that offer direct payday loans verify your personal information through secure websites and by using encrypted technology and the process should be similar to what is used by employers who offer direct deposit.

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