Payday Loans FAQ


Facts for FAQs

Q: What is a bad credit payday loan or bad credit cash advance loan?
A: A: A bad credit payday loan or bad credit cash advance loan is a short-term personal cash loan to deal with immediate expenses. However, this loan has to be paid back on your next payday; typically, within 14 days.

Q: How to get a payday loan without a bank account?
A: A checking account is required by most online direct lenders to transfer funds and withdraw money on the due date. If you do not have one already, it is suggested that you get one.

Q: How to get a payday loan without a check?
A: You do not need to bother about checks when it comes to repaying your debt with a payday lender. As long as you have a checking account, that should be good enough. The whole idea of online lending is to avoid the hassle of paperwork, which includes checks.

Q: Payday loans without checking account requirements
A: This is not an option with the majority of the trusted payday lenders. That is so, because we need your checking account details to transfer funds as well as to keep a check on when we can withdraw money at the time of repayment.

Q: What will happen if I have a bad credit?
A: No problem! At PaydayLoanHelp, as long as you meet the few requirements, we approve your loan. If you have any questions about qualifying for a payday loan, please contact us.

Q: What are the eligibility requirements for the loan approval?
A: You are eligible if you are 18 years old with a three months old active checking account, three months old current job or benefits which show a stable income of at least $1000.

Q: Do you impose any usage obligation on the loan approved?
A: No. Your funds can be used for anything you like, such as to pay bills and avoid late fees, to avoid bounced check fees/ overdraft fees or any other urgent cash needs you may have.

Q: Who will contact me to roll out the loan details?
A: A PaydayLoanHelp representative will either contact you via email or phone in between 8:00 a.m. to 8:00 p.m. (EST.) on weekdays. If you submit your application after the specified hours, we will contact you on the next business day.

Q: How much will you lend me?
A: Payday loans and cash advances are small, short-term, income-based loans. We calculate the lending amount based on your current income. After timely and successful repayment of prior payday loans through PaydayLoanHelp, the amount you can borrow may be increased.

Q: What will you do in case of non-repayment?
A: It is extremely important to repay your loan on time. In the event that you cannot repay, we advise you to contact us two business days prior to the due date so that we can arrange for an extension. If you fail to intimate us as specified, you may incur extra fees on what you owe us. The loan agreement shall specify these and other related terms explicitly.

Q: What if I cannot pay back the loan in full?
A: We have a solution for this too. If you fail to pay in full, you can pay off the loan in instalments. However, be aware that partial payments are allowed at any time prior to maturity on the principal balance only.

Q: How can I cancel my loan?
A: You can cancel the loan by just returning the loan amount provided, on or before 5:00 p.m. (EST.) on the next business day after the deposition. Do inform us at the earliest possible in such situations.

Q: Will you lend loans on Saturdays and Sundays?
A: Yes, we do.


I asked for financial help among my relatives but none could come to my rescue. Finally, I spent hours together online, searching for a genuine lender. It was a daunting task. One of my friends proposed this site. I just submitted my online application yesterday and got the cash today

– Anne Smink

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Consumer Notice: A payday advance is a small, short-term loan intended to cover a borrower’s expenses until their next payday. Payday advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory assistance. Consumers are encouraged to learn more about the risks involved with payday advances, local laws and regulations that may apply to payday advances, possible loan alternatives and recent developments in their state.

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Availability: Residents of some states may not be eligible for a payday advance based upon lender requirements. does not guarantee that completing an inquiry form will result in your being matched with a service provider or lender, being offered a loan product with satisfactory terms or rates, or getting a loan from a service provider or lender.