How to Apply for a Payday Loan

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Strapped for cash with bills looming? Credit cards maxed? You're not alone. Millions of Americans are facing job losses, pay cuts, medical bills, and unexpected home repairs. Odds are that friends and family are facing similar financial stresses and cannot afford to help. When time is of the essence, applying for personal loans or additional credit cards may not be an option. Payday loans are the fastest, most efficient way to get money in your hands. Payday loans are available two ways: in-store or online.

To apply for an in-store payday loan, follow these simple steps:

Locate the nearest payday lender in your area. Be prepared with a government issued photo ID, blank check, most recent paystub as well as bank checking statement.

Go into your local payday lender and fill-out an application for the desired amount. Depending on the state you live in, the amount you're allowed to borrow and interest rates will vary. Generally speaking, lenders will loan anywhere from $100-$1,000 for a fee of 15% to 30% (for a 2-week loan).

At this point in time, your application will be approved or denied. If approved, you'll be asked to sign a contract outlining the terms and conditions of the loan, including the date in which the loan is to be paid back in full.

Next, you'll write a check for the amount of the loan plus the interest.

And last, you will be handed the cash right there in-store.

To apply for an in-store payday loan, follow these simple steps:

Select a payday loan provider. Be sure to choose a BBB accredited provider, such as Money Now USA to ensure your information is kept safe and secure.

Fill out an application. You will be required provide: social security number, driver's license, checking account number, and bank routing number.
*Keep in mind that some states require less documentation. For individual state requirements, check with the National Conference of State Legislature.

Your application will be approved or denied instantly. Money Now USA works with over 150 credit loan providers. As a result, you can be assured that you're getting the highest loan amount at the best available rate.

If approved, you'll be asked for an esignature on the terms and conditions contract.

And, voila! In most cases, the money will be directly wired into your account within 1 hour!

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