FAQ'S

WHAT IS A CASH ADVANCE AND PAYDAY LOAN?

A cash advance is a quick and simple way to obtain a short term loan that provides a sensible alternative to costly bounced checks, late payment charges and tarnished credit ratings.

IS MY PAYDAY LOAN SECURE AND CONFIDENTIAL?
Absolutely! We transact all our loans on our secure SSL server, utilizing the industry highest standard. Your nonpublic information is completely confidential and protected by our company privacy policy.

WHAT ARE THE REQUIREMENTS TO APPLY FOR A CASH ADVANCE?
          • Make a minimum of $1,000 (after tax’s) salary per month or $800 on fixed Income.
          • Be employed full time at the same job for a minimum of 3 months
          • Be 18 years of age and a USA citizen.
          • Have an active checking account in.

WHAT IF I HAVE NO CREDIT HISTORY OR BAD CREDIT?

Bad Credit, No Credit, No Problem. Unlike many financial institutions that require you to have good credit, a payday loan is the best option for people with no or bad credit.

HOW SOON CAN I RECEIVE MY CASH ADVANCE AND HOW MUCH CAN I BORROW?

Once you are approved by one of our lenders the cash will be wired into your account that day. The amount you qualify for will be determined by your current income.

WHAT IS THE FEE FOR A CASH ADVANCE?
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.

If I CAN'T PAY OFF MY PAYDAY LOAN WHEN IT IS DUE, MAY I REFINANCE THE AMOUNT UNPAID?

Yes, you may do what is called an extension or rollover. You may defer the principal amount until your next payroll and only the finance charge will be debited on your original due date. Your lender will discuss extension options with you.

HOW DO I GET A PAYDAY LOAN?
Simply complete our online application and you are on your way to receiving your cash advance today.


FREQUENTLY ASKED LOAN QUESTIONS:
1.   What is the status of my loan?
2.   Who is my lender?
3.   Was my loan approved?
4.   I am having difficulty completing the application on-line. Can you send me an application?
5.   How much was I approved for?
6.   What are the finance fees on a payday loan? And how long until I can pay off my loan?
7.   What is the payoff amount on my loan?
8.   I would like to apply for another loan – what do I need to do?
9.   I only receive benefits; can I apply for a loan?
10. I don’t have a checking account. I have a savings account. Can I get a loan?
11. Do I need to fax any documents?
12. Please remove me from your list.


ANSWERS

1. What is the status of my loan?
Your loan application was submitted to one of our premier lenders. Your should notify you by phone or email about the status of your loan within the next 24 hours.

2. Who is my lender?
Your lender will contact you via email after completing the loan application. Once you submitted your application, you should have received a message from your lender with specific instructions and contact information. PLEASE SAVE THIS IMPORTANT INFORMATION FOR FUTURE REFERENCE.

3. Was my loan approved?
Typically, your lender will notify you about the approval by phone or email within 24 hours after completing your application. If you have any questions about this process or your lender’s decision, your best bet is to contact your lender directly. Please note that you will be given contact information for your lender immediately following the application process. PLEASE SAVE THIS IMPORTANT INFORMATION FOR FUTURE REFERENCE.

4. I am having difficulty completing the application on-line. Can you send me an application?
Yes. If you are having technical problems completing our application on-line, please send us an email at service@ sunshineadvancenetwork.com the problem.
Or you may also print our application. Once you have completed the application, please fax it to our offices at (561) 691-1636.

5. How much was I approved for?
The loan amount is determined by your selected lender and is based on the information that you provided us on the loan application. If you have additional questions about your loan amount, you should contact your lender directly. Please note that you will be given contact information for your lender immediately following the application process. PLEASE THIS IMPORTANT INFORMATION FOR FUTURE REFERENCE

6. What are the finance fees on a payday loan? And how long until I can pay off my loan?
Depending on the lender, the fee can range from $25 to $30 per $100 borrowed. For example, if you borrow $300 the fee can be between $75 and $90. Typically, you repay the loan the same way you receive it – an electronic transaction. Most of our lenders will extend your payment date upon request. All you need to do is contact your lender to make these payment arrangements.

7. What is the payoff amount on my loan?
Your lender will determine the pay-off terms and conditions. To request payoff amounts, change your repayment plan or to inquire about the repayment process, please contact your lender directly.

8. would like to apply for another loan – what do I need to do?
You are eligible to re-apply for another loan, once 14 days have passed since your last loan. Simply go to our web-site and login as an existing member. Updating your application should only take seconds.

9. I only receive benefits; can I apply for a loan?
Yes. Some of our lenders do accept benefit payments as a source of income. Please note that there is an option in our application specifically for benefit recipients. Under “Income Information” please select benefits as your source of income and continue the loan application.

10. I don’t have a checking account. I have a savings account. Can I get a loan?
Yes. You can qualify for a payday loan with only a savings account, but your savings account must have ACH debit capabilities. Lenders must have the ability to electronically debit money from your savings account.

11. Do I need to fax any documents?
Yes and No. Some of lenders are converting to a paperless system and do not require any faxed documentation. Please note however, that some lenders still require faxed documentation.
To be sure that your loan is deposited into your account as quickly as possible, we suggest that you have the following documents ready to send:
      • Bank Statement (most recent 30 days)
      • Blank Check
      • Pay Stub (most recent)
It is important to save and follow any messages that your lender is sending you. Each lender has different requirements and contact information.

12. Please remove me from your list. Click Here

 
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This site will match you with the best cash advance lender based on your application. Not all lenders can provide up to $1500.