F.A.Q

What is a payday loan?

A payday loan is a fast, small, short-term loan designed to meet your emergency financial needs. A payday loan can help you to get some extra cash to cover some unexpected expenses until your next payday.

How much can I borrow?

You can get up to $1500.00 depending on your monthly income and other criteria used by PaydayLoanUnion.

What are the requirements for a payday loan?

The minimum requirements to qualify for a faxless payday loan are:

  • You must have checking or savings bank account with direct deposit
  • You must be currently employed or receive regular monthly income
  • You must make at least $800-1000 a month
  • You must be 18 years of age or older and a U.S. citizen

What if I have bad credit?

Your bad credit will not affect your approval because we offer payday loans with no credit checks. Your payday loan approval is based on your monthly income and employment.

Do I need to have my salary paid directly into my bank account?

Yes, your salary must be deposited directly into your savings or checking account by your employer.

Do your provide payday lending services in every state?

At PaydayLoanUnion, we offer no credit check payday loans in most states.

Is there an application fee?

No, we never charge an application fee. You will just pay the finance charge for your  payday loan on the due date.

Do I need to fax any documents?

No, we provide our customers with no fax payday loans. You will not have to complete any paperwork or other faxing.

How will I know if my application is approved?

One of our consultants will contact you to with a loan offer. If denied, you will receive a notice by mail.

How do I receive my money?

Your quick payday loan is directly deposited into your bank account, usually the same business day.

When will I receive my fast cash?

All applications are received and verified in real-time. It means that you will generally receive money into your bank account within a few hours.

What are the fees?

PaydayLoanUnion offers some of the lowest and most competitive rates in the industry. The fees will vary depending on your state of residency and loan amount. Generally, our fees range from $25 to $30 per $100 borrowed.

When will the loan be due?

Your instant payday loan will be due on your next payday. Usually, the repayment is due within 14 days of receiving the loan.

How do I repay the payday loan?

The loan amount and loan fees will be withdrawn from your bank account automatically on the due date. You don't need to make any payments or visit any store.

Can I pay off my payday loan before due date?

You can pay your fast payday loan off early in order to decrease the finance fees. At PaydayLoanUnion we don't charge a prepayment penalty or any other hidden costs. To pay off your quick payday loan before due date please contact us via e-mail or phone.

What if I can’t pay off the payday loan on the due date?

You have the option to pay finance charge and extend the loan for up to one month from the time you received your payday loan.