| PAYDAY Lender |
Fax Required |
Minimum Monthly Income Required |
Checking Account Required |
| 100 Day Loans | No | $1000 Net | Yes |
| AmeriAdvance | No | $1000 Net | Yes |
| PayDay One | No | $1000 Gross | Yes |
| PayDayMax | No | $1000 Net | Yes |
| Cash Central | No | $1000 Net | Yes |
| DiscountAdvances | No | $1000 Net | Yes |
| 100 Day Loans | 1 review |
| AmeriAdvance | 0 reviews |
| PayDayMax | 0 reviews |
| Payday One | 0 reviews |
| DiscountAdvances | 0 reviews |
| Cash Central | 0 reviews |
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Instant Payday Loans Over The Phone
When searching online for an instant payday loan, there are many things you will need to know in order to choose the right company for you. The following information will help you look for the things you need to know in order to choose the company that best meets your needs.
The biggest things to look for are: what is the maximum loan amount, how high is the interest rate, What additional fees are there, do you need to fax proof of your information, What are the income requirements and how long do you have to wait to receive the loan?
What is the maximum loan amount?
Instant payday loan companies all have different standards as to the amount you are able to borrow. Some companies only allow loans up to $200 to $300 while others will allow maximums of $1000 to $1500. Be sure to check the maximum amount for each particular company so that you don’t waste your time applying for a loan that is more than the maximum amount the company offers.
How high is the interest rate?
Each company has there own set interest rates for instant payday loans. There are some who will charge less than 10% if it is your first time borrowing. However, there are some who will charge anywhere from 10% to 30% no matter how many times you have borrowed.
So let’s say you want to take out a loan for $500. If the interest charge is 10% then you will have to pay an interest fee of $50 plus the $500 borrowed. If the interest charge is 30% then you will have to pay an interest fee of $150 plus the $500 borrowed. Of course this all depends on the interest charges the instant payday loan company has. So be sure to check out how much the interest is before applying for a loan so that you know you are getting the lowest interest rate possible.
What additional fees are there?
Some instant payday loan companies charge an application fee, however this is very rare. If you happen to find an instant payday loan company that has a low interest rate but charges a high application fee, then you are probably paying more for the loan then if you were to go with a company that has a higher interest rate but charges no application fee. Be sure to check all fees associated with receiving an instant payday loan to be sure you are getting the best deal.
Do you need to fax proof of your information?
When deciding on a loan company to go with, be sure that if you have to fax information over such as your ID or pay stubs, that you will have access to a fax machine. There are fax machines available at local stores, however keep in mind that you may have to wait in line and there is usually a charge for use. However, there are many instant payday loan companies that will verify your information over the phone instead of having you fax your information to them.
What are the income requirements?
Most instant payday loan companies will require that you have a steady income of at least $1000 a month. However, be sure to check with each instant payday loan company as they all have different requirements and you may find some that have a lower requirement than $1000 a month.
How long to you have to wait to receive the loan?
Most instant payday loan companies will have the amount you borrowed to you that day. You can receive the funds by paper check or sometimes they will deposit the loan amount directly into your bank account within the same day or the next business day. When applying for a loan, determine how quickly you will need the funds before choosing which company is right for you.
You can typically find all of this information and more on the instant payday loan companies website or you may call the company and ask them about all of this information and more. When searching their website, the best thing to look for is there FAQ (Frequently Asked Questions) section which should answer most if not all of these questions.
