Frequently Asked Questions

What are Online Cash Loans?

Consumers looking for short-term cash loans between $100-$1000 without a security deposit or complex paperwork and with varying degrees of creditworthiness turn to payday lenders because they typically only require applicants to have a regular source of income to qualify. Lenders will refer to the information provided in an online loan application when determining amounts that can be borrowed and other loan terms, and these terms and conditions vary by lender. If an applicant’s online lending application is approved by a lender, the lender may transfer or ACH a loan into the borrower’s bank account. The terms of repayment and methods used to implement repayment vary by lender, and it is essential that an applicant reviews the lender’s terms and conditions before entering into a lending agreement. In order to facilitate the referral service provided by the operator of this website, this website contains a secure application requesting information that lenders within the referral network will use when making lending decisions (such as name, address, home and work phone numbers, and email address). An applicant’s birth date and social security number are collected to comply with the US Patriot Act. The operator of this website is NOT a lender and does not make lending decisions.

What Services are provided by the Operator of this Website?

The operator of this website provides a referral service for consumers seeking online lending options and complies with applicable federal laws and regulations pertaining to this service. The operator of this website can be reached by mail at SearchROI, 6709 W. 119th Street #338, Overland Park, Kansas 66209, or by email. The operator of this website is NOT a lender. The operator of this website belongs to the Online Lenders Alliance (OLA) and follows their Best Practices. Loan amounts, APRs, fees, repayment options, renewal options and all other lending terms, conditions, and procedures vary by lender. It is essential that a loan applicant reviews the lender’s terms and conditions before entering into a lending agreement. Late payments of loans may result in additional fees or collection activities, or both. Furthermore, non-payment of credit may also result in collection activities.

What are No-Fax Payday Loans?

Lenders review the strength of the information provided by an applicant when making final lending decisions, and this process varies by lender. Some applicants can receive loans online from payday lenders without needing to fax additional documentation; however, a lender may require the faxing of additional documentation in some circumstances. The operator of this website only provides a referral service for consumers seeking online lending options,and is NOT a lender.

What to expect when applying for a Payday Loan online:

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. After an applicant submits his or her information onto this website’s secure application, lenders will review the information and decide whether or not to offer the applicant a loan. The online approval process takes only a few seconds. Because loan terms and conditions (including fees, APRs, and repayment) and lending procedures vary by lender, it is essential that an applicant reviews the terms and conditions offered by a lender before entering into a lending agreement.

Will payday lenders do Credit Checks?

Payday lenders typically do not utilize the three credit reporting bureaus (Experian, Equifax, and Trans Union) to review the applicant’s credit history. However, lending procedures vary by lender and some do. But, most lenders review an applicant’s information using their social security number in national databases that track consumer transactions with lending institutions (such as Teletrack, DP Bureau, or Data X). Because of this process, consumers with bad credit are often able to utilize the services offered by payday lenders.

How much do payday loans cost? What are the Fees and Annual Percentage Rates (“APRs”)?

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. Lending fees and APRs are determined solely by the lender, and these terms and conditions vary by lender. It is essential that an applicant reviews the terms and conditions offered by a lender before entering into a lending agreement. The operator of this referral service website is NOT a lender and does not charge a referral or application fee to consumers for the use of its referral service. A user of this website is under no obligation to enter into a lending agreement with any lender, and if a lender contacts a user of this website and offers a loan, the user is free to accept or decline any such offered loan at that time.

How soon will the money be available?

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. The time it takes to process a loan and transfer or ACH funds into a borrower’s account varies by lender and by the borrower’s financial institution, but approved applicants may receive funding within one full business day after approval.

When does the loan need to be repaid? What happens if I can’t repay the loan on time?

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. Repayment terms vary by lender, and it is essential that an applicant review the lender’s terms and conditions before entering into a lending agreement. Exact loan terms, along with dates for repayment and any fees chargeable in the event of rollover (i.e. late repayment), will vary by lender, and the applicant should review such information provided by the specific lender, before entering into a lending agreement.

What are the codes of practice and policies on responsible lending?

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. It is essential that an applicant reviews the codes of practice and policies on responsible lending of any lender, before he or she enters into a lending relationship. The lending conditions and requirements vary by lender, but representative general requirements of payday lenders may include:
  • Monthly income equal to or exceeding $750.00
  • Current, valid home and work phone numbers
  • Current employment for at least 4 weeks
  • Current bank account in applicant’s name

What are the renewal policies?

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. Renewal policies vary by lender, and it is essential that an applicant review the lender’s terms and conditions before entering into a lending agreement. Exact loan terms, along with renewal policies, will vary by lender.

THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product, but may receive compensation from the lender for forwarding your information to them. Not all lenders can provide your requested loan rate or terms and we make no promises that you will be able to obtain a loan. Cash transfer times may vary by lenders and local laws. Lenders may perform a credit check to determine your creditworthiness. In some circumstances faxing may be required. For details, questions or concerns regarding your cash advance, please contact your lender directly. Lenders are solely responsible to you for all aspects of any application or loan transaction, including compliance with all applicable laws and regulations relating to your loan and any agreement or disclosures relating to your application or loan transaction (including any adverse action notices or Truth-in-Lending Act disclosures). Residents of Arkansas, Georgia, New York, Oregon, Washington, West Virginia & Vermont are not eligible to apply for a cash advance on this Website. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Short-term loans are an expensive form of credit and not a long-term financial solution. Please use short-term loans responsibly.

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