Get a loan in a matter of minutes. No fax required, little verification and fast approval system completely online.

Fast Online Approval

No fax, no documents


Secure and safe process

Easy Application

One-step application

No collateral payday loans

When you take out an unsecured online cash advance, such as payday loan, you’re not required to provide any collateral. Although a payday loan is considered an unsecured loan, the fact of the matter is that it is secured against your income. Lenders don’t ask you for collateral, because your next paycheck is a sort of collateral. When taking out an online loan, you promise to the lender that you will pay it back at the time, which you previously agreed upon.  In other types of loans you have to provide some material things that are of the same value as the requested amount of the loan.   The value may be actually a bit lower; after all, if you don’t make payments the lender can cash the collateral in order to recover their money. You will be responsible for paying the difference. This way the lenders protect themselves from possible loss.

Payday loans don’t employ the collateral scheme, therefore, you don’t need to sort of pawn your property. Payday loans are a quick solution to cash problems but only in a short run. You can’t borrow short-term loans, because they are more expensive than loan-term ones.

If you’re facing serious financial problems, you need to look into the future and resolve the issues with a more complex approach. A debt consolidation loan might be a good option, because it’s much cheaper than a payday loan. In addition, you consolidate all your debt into a single one, which is more manageable and easier to handle. However, if you just happen to need cash for an incidental   problem, then you can go and apply for a payday loan without hesitating. Just remember to pay it back promptly! This will save you a lot of headaches and will never adversely impact your credit score.

You can apply for a loan by filing a short application form. The new form is designed in a way to make the process as effortless and trouble-free as possible. All of the fields of the form must be filled out with data. You can’t leave them blank. A failure to do so may result in your application being denied. You’re not applying for a loan to be denied, are you? The most frequent mistake people make is leaving the Phone field empty. That’s the main cause of rejections.

Your application is processed by an instant decision system, which can get you approved in a matter of minutes. Payday loans are usually delivered in less than an hour. The system is very fast, one might say that it’s designed with speed in mind.

Money is deposited in your account, be it savings or checking. After you have paid back a loan, you can get a new loan, which can be much larger than the previous one.

Rules in the USA

Payday loans are illegal in: Arizona (AZ), Arkansas (AR), Connecticut (CT), Georgia (GA), Maine (ME), Maryland (MD), Massachusetts (MA), New Jersey (NJ) New York (NY), North Carolina (NC), Pennsylvania (PA), Vermont (VT), West Virginia (WV), the District of Columbia (DC). Amounts: $100, $200, $300, $400, $500, $600, $700, $800, $900, $1000

Rules in Canada:

British Columbia – capped at 23% of the principal (including interests and fees) Alberta – up to 23% Saskatchewan – an interest rate cap of 23% of the principal, a cap of 30% on a defaulted loan Manitoba – at 17% per two weeks Ontario – $21 per $100 borrowed for a period of two weeks New Brunswick – illegal at any rate over 60% per annum Nova Scotia – the maximum rate to 25% Prince Edward Island – $25 per $100 borrowed for a period of two weeks Newfoundland and Labrador – no legislation