Here are a few of our frequently asked questions. If you have a question that's not on the list, you can
contact us any time.
You need a job or proven source of income, email address, verifiable phone, checking account in good standing, and you
must be at least 18 years of age. All signed Loan Agreements are subject to verification of prior loan history and
PayDay One defines an account in good standing if it reflects 30 days of transaction history without any of the
In most cases, our loans range from $100 - $1000, depending on the laws of your state. You may be eligible for an
increase to your loan amount depending on your payment history. Details vary by state. Click
Loan Cost and Terms for more information.
We complete application verification at 5:00 PM CT. If approved, your money will be electronically transferred (ACH) to
your bank that day (Monday through Friday excluding bank holidays). The funds should arrive at your bank the following
day. You can contact the ACH department of your bank to verify that the funds have been credited to your account.
Loans received after 5:00 PM CT are accepted the next business day.
Details vary by state. Click Loan Cost and Terms for more information.
For your convenience, your payments will be electronically debited from your checking account unless you make alternate
payment arrangements. If you are unable to make the payment on your due date, please contact
Customer Support. In some cases Customer Support can offer a repayment plan that gives
you additional flexibility in paying back the loan.
When you submit your application, the results will be available in a matter of seconds in most cases. Once approved,
you will be able to choose how much you want to borrow up to your approved amount.
See the Security section of our web site to learn more about how we protect your personal
In most cases, you have the right to cancel your loan by 5 p.m. the next business day following the effective date of
the loan. Please contact customer support to discuss your options.
To Get Cash By Tomorrow
and its affiliates offer payday advances, installment loans and credit services
only to residents in those states where permitted by law. To obtain a loan, you
must have a valid checking account and email address. In most cases loans will be
funded the next business day without requiring any faxing of information unless
we are unable to verify your application information. Great Rates refers to rates
as compared to other similarly licensed online lenders.
This is an expensive form of credit. PayDay One loans are designed to help you meet
your short-term borrowing needs. Appropriate emergencies might be a car repair,
medical care for you or your family, or travel expenses in connection with your
job. This service is not intended to provide a solution for longer-term credit or
other financial needs. Alternative forms of credit, such as a credit card cash advance,
personal loan, home equity line of credit, existing savings or borrowing from a
friend or relative, may be less expensive and more suitable for your financial needs.
Refinancing may be available and is not automatic. Refinancing your loan will extend
the term of the loan and result in additional interest charges. Late fees and non-sufficient
funds/returned item fees may apply as described in your Loan Agreement. We will
never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement
or the Loan Cost & Terms. If you don’t make
a payment on time we will attempt to contact you via one or more authorized methods.
We adhere to the Federal Debt Collections Protection Act (FDCPA).
Because we may report your payment history to one or more credit bureaus, late or
non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. Customers with
credit difficulties should seek credit counseling.
First time PayDay One customers typically qualify for loans from $100 to $1,000.
The foregoing are examples only — loan amounts, loan repayment terms and applicable
finance charges vary by state and are governed by your loan agreement and relevant
state law. Please see Loan Cost & Terms
for more details.
CONSUMER NOTICE: Payday advances should
be used for short-term financial needs only, not as a long-term financial solution.
Customers with credit difficulties should seek credit counseling.