Frequently Asked Questions

A payday online loan service – what is it?

Payday loan is such monetary help that you can receive online for a short term. This service can also be described as a cash advance loan that helps people to solve their temporary financial difficulties. The amount of taken money is limited from $100 to $1 000 that depends on your location. The loan must be returned as soon as you receive the next paycheck. Such loans are unsecured. You should pay attention that you need to return money on time if you choose to use the payday loan service.

Are you a direct lender?

No, we are a loan referral service.

Application for a loan

You need to fulfill several requirements that are presented in the application form. The current governmental laws forbid taking a loan to people who have not yet reached the age of eighteen. So all applications that do not correspond to this rule are automatically deleted. The other requirement is to have regular job and regular income. Also, you must have a valid bank account to get the money. Moreover, some additional request can be made by particular lender giving service on our website.

At first, you must provide the website with all demanded personal information filling in the application form online. If you want to prove your reliability you should give all necessary information. After you have submitted the application, you receive the confirmation letter from your lender (if approved). The lender may also demand some extra information in order to protect his or her investments.

How will I get a loan?

If you use the online service of QuickandEasyLoanService to take a loan you will receive money transmitted directly on your account.

How much money can I borrow?

The state’s laws of your current location prescribe this amount. However, $1 000 is the maximum limit. While $100 is the minimum limit.

What requests are rejected?

You need to provide all necessary information to the website through the application form and to the lender if something extra is demanded. However, it still does not guarantee the confirmation of your application.

What is time for returning money?

The first action you must do when you get the next pay check is to repay your loan. If by any reasons you miss this date, you will have to pay extra fees according to the agreement you sign with the lender. You can also be suggested to pay additional charges. If any questions connected to the loan appears, you should contact your loan lender to settle all problems and misunderstandings. Also, we inform you that QuickandEasyLoanService being the online easy loan matching service doesn’t take any responsibilities for financial issues and transmissions. The only service we provide is matching borrowers and reliable loan lenders.

How does my salary influence the chances to get a loan?

In order to apply for the payday loan, you need to have regular job with stable income that increases your opportunities.

Is any faxing required?

It is up to the particular lender to ask you for some additional documents.

Material disclosure

APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, and APRs for installment loans range from 6.63% to 225%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure. Quick and Easy Loan Service is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans and up to $5000 for installment loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. Quick and Easy Loan Service does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.