We offer you matching service that specializes in developing firm relationships with qualified auto lenders nationwide. We are not a car lender, so we are able to offer you various alternatives and allow you to choose the loan product that best fits your personal needs. At Payday Loans by Personal Cash Advance you choose the loan amount, the interest rate and the monthly payment, you know you are in total control of your auto loan choice.

We work with the nation's top auto lenders and put them together to a virtual marketplace for our customers to choose the lowest priced loan. Each lender must logically present the lowest possible rate they can manage in order to appear more attractive than their closest competitor. By putting each lender in direct competition with others, you can realize the maximum savings available!

Because we do ask for personally identifying information we will use this information to match you with lenders that specialize in providing loans for people of similar credit types. Even if you have bad credit history you will still be able to take advantage of outstanding rates and monthly savings. Getting a quote online is quick & easy, and you are under no obligation to accept any of the offers presented to you.

Payday Loans by Personal Cash Advance uses the latest 128-bit SSL encryption technology to send and receive your quotes, thus protecting your valuable information from unwanted third-party sources. Your information will not be sold or used for any purpose other than providing you with relevant offers so you can rest easy knowing your information is safe.

No. We don’t make loan decisions based on your credit history and the value of the car you buy. We will never exclude your quote request just because of an auto type, so feel free to mix and match several different autos until you find the one that fits your needs.

Nothing. You will not have to pay an application fee. Our matching service is absolutely free for you to use as many times as you need.

The expiration of a loan offer will vary from lender to lender, though the industry standard is usually around 30 days. You may receive your free auto loan quotes here and store them for future use, though if you choose to go with a loan quote that has expired the lender may contact you to provide a revised quotation.

Auto loans for people with limited or no credit history are still available, though because of the lack of information to base your credit habits on you might receive an interest rate that is a bit higher than you'd like.

All you need to do to get started is visit our secure auto loan quotation page and answer a few quick questions about yourself, the kind of car you'd like to buy, and what sort of loan qualities you value the most. You will then be presented with a series of offers to choose from, and your chosen lender takes it from there.

Debt settlement is the process of negotiating with your creditors so that you are able to pay off a certain part of the actual debt amount that you owe.

Our counselor will work with you and your creditors so that you can pay the minimum amount of money back to your creditor. Creditors know that if you end up filling bankruptcy they risk to get nothing.

Complete the form online. A debt consultant will review your information and call you to review your situation. After a debt consultant has reviewed your financial situation, hardship they will determine if you are qualified for our program.

No. Simply call our customer service department and we will arrange payment over the phone. It is understandable that circumstances may arise and we will help you get back on track with your payment schedule.

We notify your creditors of our representation and inform them that they should contact us with respect to settling your debt. Most creditor calls will stop within 30 days. If you continue to get calls, call our customer service department and they will again contact the creditor informing them of our representation. In all cases, you should keep a log of all calls you get from creditors with respect to the debt you put into our program.

The Debt Settlement Program may have a negative effect on your credit profile. However, once negotiated and settled, your creditors will report the accounts as "settled" or "paid in full".

Our Debt Settlement Program costs are based on an individual basis and are determined by a Payday Loans by Personal Cash Advance counselor and you. Your monthly payment will be determined by what you can comfortably afford, and is based upon your level of debt, income, and living expenses.

What is a Payday Loan or Cash Advance?
A payday advance provides you with an unsecured, short-term cash advance until your payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. With Payday Loans by Personal Cash Advance you can apply for a payday loan online and have your advance electronically deposited to your checking or savings account.

What can a Payday Loan be used for?
The money can be used for any purpose - to pay bills, buy something, have a great weekend, it's up to you! You won't be asked!

How much can I receive?
Your first Payday Loans by Personal Cash Advance loan is based upon the information you provide in your membership application. You can borrow an amount up to $1500. After successful repayment of your payday loan, we may raise your loan amount on any future Payday Loans by Personal Cash Advance loans.

How are fees established?
Our fees are competitive and in compliance with all applicable state and federal laws.
Depending on the lender the fee can range from $25 to $30 per $100 borrowed. So if you borrow $300 the fee will be between $75.00 to $90.00.

What about qualifying?
Qualifying for a payday advance is easier than qualifying for traditional credit. Payday Loans by Personal Cash Advance does not perform credit checks. You only need to meet the following requirements:
• Currently have a job (or receive regular income)
• Make at least $1000 per month
• Are 18 years of age or older and a U.S. citizen
• Have checking account or savings account with direct deposit.

What’s the procedure to apply for payday loans online?
The procedure is extremely simple, all you need to do is just fill up the application form at our website and submit it online. The approval takes place immediately after you submit the application on any of the business days.

What do I have to fill in application form?
You have to provide your name and address, employment information, bank account details, and picture identification in the payday loan application form.

Is my application and financial information secure?
We respect our customer’s privacy needs in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive information transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

Is there an application fee?
Payday Loans by Personal Cash Advance never charges applicants a fee to qualify for a payday loan.

Does the online form obligate me to taking out a loan?
No. When you fill out our online application, you are only stating that you wish to have our agents approve you and contact you to discuss your options. You may still ask us any questions, and withdraw your request at this time. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.

What if I have bad credit?
Bad credit will not prevent you from receiving a payday loan at Payday Loans by Personal Cash Advance. Our friendly managers will work with you, even if you have already been turned down by other lenders.

I'm a tenant - is this a problem?
No problem - it makes no difference to the lenders whether you are a tenant or a homeowner.

Do I need to fax my details?
You don't need to have a fax machine to be able to apply for a loan. Lending company gets all necessary information instantly.

Can I have more than one payday loan at the same time?
No. All other payday loans have to be repaid before another can be granted.

Do you contact current or former employers?
No, the lenders operate a strict confidentiality policy. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Do I need direct deposit?
At this time we can only process your loan if your paycheck is direct deposited; it is the most secure way to offer loans as quickly as we do.

When I will receive my payday loan?
Your application will be processed within 30 minutes, once it has been received. When approved, you will receive your loan on the next business day. Once you receive the loan, we will help you to schedule you repayment dates so that you won’t have to worry about bounced checks or missed deadlines.

How do I know that my loan has been approved?
You will receive an email notification once your loan has been approved. Payday Loans by Personal Cash Advance reserves the right to make adjustments to your loan approval until the time you receive the funds in your bank account based on new information regarding your loan application.

When will my loan be due?
Your due date will normally be due on your next payday that is between 8 and 25 days away. Each state has different rules and regulations.

What if I want to pay early
Contact us if you want to pay your loan off early. If you pay off early, you may be entitled to a refund of part of your loan fee.

What if I can’t repay my loan on the due data?
If you can’t repay the full amount of your loan on the due date, you may be able to request a loan extension.

We have different payment options available for our customers:
1. Paying the loan in full on the maturity date listed on your loan agreement.
2. Paying the finance fee and a portion of the principle on or before the maturity date.
3. Paying only the finance fee on the maturity date.

How often can I get a payday loan?
We are here to help anytime you need extra cash between paychecks. We encourage all our clients to keep in mind that a payday loan is only a short-term solution to an urgent cash need, and to use these loans responsibly. Payday loans should not be used repeatedly to deal with continuing budgeting issues.