How it Works


It is a safe, quick and trouble free way to apply for loan with Payday Loans USA.
We offer an easy to use interface for our customers to make loan applying process a cakewalk.
Here are few steps that you need to follow to get your loan sanctioned with us.


Apply online

Apply online

Once you complete your application form with us, we will send it to our network of lenders to choose the best plan for you.

Safe and Secure

Safe and Secure uses 256-bit SSL encryption technology to make sure that personal information of our clients is protected.

Claim Your Cash

Claim Your Cash

Once your loan is approved, we will send cash in your account on the next business day.


Filling in the Application

To begin with, you will have to fill out an payday loans application form that contains essential information that we have to provide to our lenders so as to approve your application. The information is important and must be filled carefully so that there are no errors that will keep your application in the waiting. We do not use or give out your personal information to anyone, it is 100% safe and secure with us

Loan Approval

Loan approval process is a quick one and takes between 30 minutes to an hour. Sometimes we may need a bit longer to approve your loan details. In such cases we may require a simple verification document from your side. This helps us in sanctioning the loan in shortest possible time for its verification purpose.
Once you submit your application, we start verifying it and our system will pass the details to the lenders so that they can locate the right deal for you. Our satisfied customers keep coming back to us for our ability to approve loan in shortest possible time and without wasting much time of our esteemed consumers.

Signing the Agreement

After the approval of your loan application, you will receive an e- agreement from our lenders. The agreement will have all the terms and condition applicable on your loan file. You must read the agreement thoroughly before signing. Once you are satisfied with the terms given you can sign the agreement electronically and send it back to us to approve the loan amount. In case you have any doubts regarding the terms and conditions, you must contact our customer service to connect you to the lender to clear all your doubts and queries.

Get Cash credited in your account

We transfer the cash in your bank account on the day following your loan approval. If you file your application on Thursday by 3 pm, you loan can be approved and credited in your account by Friday. Loan requests filed on Friday or later are most likely to be processed on Monday, which means you will get your funds credited against an approved application on Tuesday.

Loan Repayment

The lender will send you an agreement which will contain the information and guidelines on repayment of the loan. Most of them will ask its full repayment on your next due date. The date will be mentioned in your contract or will be told to you by your lender. You will be expected to repay the loan along with the interest and other charges any, if applicable by the due date. Some lenders may allow you to repay your loan before the due date. You will still be required to make the balance payment or any other charges by the due date.

Qualifying for a loan

What you need in order to qualify for a loan:

  • You must be at least 18 years of age
  • You must be a citizen or permanent resident of USA
  • Your bank account must be in your name
  • You must be employed for a minimum of 90 days at your present job
  • You must fulfill the minimum income requirements
  • You must have a valid email address, work and home phone numbers


Customer care

In case you have any questions regarding the form filling process or any plans regarding payday loans that you would like to choose, then you can choose to read our FAQ page or directly contact our customer care for it.