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How Payday Advances/Loans Work

A payday advance is a small loan, usually between $100-$1000.00, that is secured by your paycheck. You will typically borrow the money for 15-30 days, and at the end of this period choose to: pay back the loan plus fees in full, pay only the fees and renew the loan for another period, or pay down on the principle and renew the loan. Most payday loan companies have very flexible payment plans.

In order to apply for a loan, you will simply need a checking account and regular income of at least $800 per month. This income can be subsidized or from a job.

There is a very high approval rate for payday loans because there is usually no credit check.

Once approved, the payday loan company will directly deposit the loan amount into your checking account, and the funds will be ready for your use by the next business day.

The average fee charged by internet payday loan companies is around $25 for every $100 borrowed. Thus, a $200 loan will cost around $50 in fees. For more information about blue sky loans fees go to fees section.