Frequently Asked Questions (FAQ)

No. We are not a direct lender. We connect your request with independent lenders who may be able to help. We do not make lending decisions and have no influence over any lender's approval, fees, rates, or terms.

Loan amounts and funding times are set by the individual lender and depend on state law where you live. In California, for example, a payday loan is capped at $300, with up to $255 paid out in cash. Many lenders offer a fast decision, with funds often arriving as soon as the same or next business day, though timing can vary by lender and bank.

Submitting a request through our platform typically does not involve a hard credit inquiry. Some lenders may still perform a soft check or review your banking history as part of their own verification process. Ask your lender directly if you want to know exactly what their process involves.

Contact your lender before your due date to discuss your options. Missing a payment can lead to extra fees, a negative impact on your credit, and potential collection activity. Renewal or rollover options, where offered, vary by lender and are subject to state law.

Yes, you're welcome to submit a new request whenever you need to. Keep in mind that repeated short-term borrowing can become costly, so it's worth reviewing your budget or exploring lower-cost alternatives if you find yourself relying on this type of loan often.

Yes. California allows licensed payday lending under the California Deferred Deposit Transaction Law (CDDTL), enforced by the Department of Financial Protection and Innovation (DFPI). Both storefront and online lenders must hold a valid DFPI license to operate legally in the state.

By law, the check you give the lender (loan amount plus fee) can't exceed $300, and the fee can't exceed 15% of that amount — up to $45. That means the most cash you can receive is $255, with $300 due back at the end of the term.

No. California law restricts borrowers to one payday loan at a time, and lenders are not allowed to give you a new loan to pay off an existing one.

Use the DFPI's online license lookup tool at dfpi.ca.gov, or call their Consumer Services Office at 1-866-275-2677. If a lender isn't listed there — or their license shows as expired or revoked — treat the offer with caution.

California law requires lenders to offer an extended repayment plan at no extra charge if you can't repay by the due date — available at least once every 12 months. If a lender refuses this or pressures you into a new loan instead, you can file a complaint with the DFPI.

No. Some online lenders operate under tribal sovereign immunity and are not required to hold a DFPI license or follow the state's $300 cap and other CDDTL rules. If you're considering one, understand that California's consumer protections may not apply, and read the terms very carefully.

You can submit a complaint online through the DFPI, by mail to their Sacramento office, or by calling 1-866-275-2677. You can also file a complaint with the California Attorney General's office if you believe a lender broke the law.