Frequently Asked Questions

The maximum amount for a short-term loan depends on laws and regulations in each state. The maximum amount is usually between $100 and $1000.
An installment loan is a paid back over a longer term than a short-term loan. If you are interested in an installment loan click here.
Qualification requirements vary from lender to lender. However, lenders accept social security, pension and other benefits as income. If you meet the minimum requirement for a lender then you can qualify.
A payday loan is a short-term loan that is designed to get you cash fast. Typically you are required to pay the loan back on your next paycheck. States have different laws regarding rates, fees and terms of payday loans.
A short term loan is usually not meant to last longer than six months. However, it depends on your qualifications and the lender that you work with. If you receive a loan from a lender, the manner and method of repayment should be included. You can agree to the terms the lender sets or disagree and try to find another lender.
If you can not pay back the loan, contact the lender as quickly as possible and let them know. You will likely be charged a late fee. It’s important to be responsible with short-term loans. Only borrow an amount that you can quickly repay. Your lender will have given you contact information. You should contact them as soon as possible.
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No. Payday.Live is not a lender. This service enables you to quickly submit your information to a network of lenders. Payday.Live will connect you with a lender and they will make the loan. Our service does not comprise an offer of credit.
Lenders may offer loans to you if you are self-employed. If you can show proof of steady income and meet other requirements some lenders may want to work with you. When filling out your information, use your legal business name and contact information as your employer.
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The details of your loan are not available to us because Payday.Live is not a lender. If you found a lender using this service, the lender will have provided you with loan details and conditions with your loan offer. Every lender is different and will have different terms and arrangements. You need to contact the lender that you are working with to get the details of the loan.
It is generally easy to qualify for a short-term loan. Lenders are open to working with people with bad credit. A few basic qualification requirements are as follows: minimum age requirement, valid ID, proof of income, active checking account and a working phone number. Although these are basic requirements, each lender will make their final assessment as to whether or not you meet their requirements to make a loan offer.
When a lender offers you a short-term loan they realize that you need the money right away. You may be able to get money deposited into your account in as little as 24 hours. Weekends and holidays may prolong the time it takes to transfer the money to you.
A valid bank account is needed so that lender’s have a place to make a deposit.
Payday.Live will not contact you at your job. We are not a lender. However, every lender has their own policies. Make sure you provide your employer information correctly. If you are concerned about this, talk to the lender and discuss their policy with regard to contacting employers.
If you are given a loan offer the payment dates are typically preassigned. You should talk to the lender before you agree to the terms of the loan if you want to arrange a different payment schedule.
Again, lenders are different and have different policies. Most will require that you have a checking account.

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