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Frequently Asked Questions

Here at QuickLoans.net, we offer you a free service that is specifically designed to match you with the loan provider that can meet your immediate cash needs. We do not provide loans to our customers, rather we connect you with a lender who can help you. We have an extensive network of paycheck advance lenders, so we are able to assist you in finding the best cash loan provider for your emergency funds. At QuickLoans.net, we are committed to keeping you posted about changes in the paycheck advance industry and informed on how a loan would work with your personal situation. We are experts in the field and want to answer any questions you may have about the our site, the process, certain qualifications and any other information you need to make a smart decision. Below, you'll find answers to our most commonly asked questions. Please review this information and feel free to contact us if the answers you're looking for are not here.

  1. What is a Quick Loan?
  2. How do I Qualify for a Quick Loan?
  3. How Much Money Can I Borrow?
  4. How Do I Get the Money?
  5. If I have Bad Credit, Can I Still Qualify for a Quick Loan?
  6. How Long is the Application Process?
  7. How Much Does a Quick Loan Cost?
  8. If I'm Already Paying Off a Loan, Can I Take Out Another?
  9. How Do I Pay My Loan Back?
  10. What If I'm Late Making a Payment?
  11. Is My Information Safe and Secure on QuickLoans.net?
  12. When Can I Apply for Another Loan?
  13. Can the Repayment Period be Extended?
  14. If I Default on My Loan, What will Happen?
  1. What is a Quick Loan?

    When you have an immediate need for cash, we can provide access to a short-term solution. We only work with partners who utilize technology that enables consumers to access capital discretely and securely. By accessing our lender network, you can obtain a cash loan between $100 to $1,000.

  2. How do I Qualify for a Quick Loan?

    It's pretty quick and easy to qualify for a quick cash loan. You must meet the following requirements:

    • Be a U.S. citizen or legal resident
    • Minimum of 18 years of age or older
    • Have a valid checking account
    • Possess a valid phone number and email adddress
    • Earn an income of at least $800/month

  3. How Much Money Can I Borrow?

    You can borrow up to $1000 from our panel of authorized lenders however we only recommend that you request up to the dollar amount you actually need. We have found that approval rates are higher amongst our lender network for consumers who borrow money responsible. Please ensure you complete your secure application to the best of your ability. Applicants can depend on higher approval rates when you complete your request for funds accurately.

  4. How Do I Get the Money?

    Cash is sent out most often completed via ACH direct deposit and will quickly be deposited directly into your bank account. Depending on when you request your funds during the day or night, they may be available the same day depending on bank hours of operation.

  5. If I have Bad Credit, Can I Still Qualify for a Quick Loan?

    You can qualify for a same day loan with bad credit, good credit or no credit history. Since we cater to all credit types and depending on the lender, they may not even require a credit check. This obviously varies from lender to lender however many partners in our network will still approve a loan regardless of credit problems, such as bankruptcy, judgments, and other financial issues so long as you meet the minimum requirements as discussed on our "How it Works" page.

  6. How Long is the Application Process?

    The application generally takes less than 3 minutes. Lenders will be competing for your business so you'll be sure to find the best loan for your personal situation. It's important to note however that you should only request what you actually need. Requests for smaller loans have a higher chance of approval as opposed to loans exceeding $800. Once the loan is approved and you've accepted the terms of the loan, the cash will be deposited into your bank account on the same or next business day.

  7. How Much Does a Quick Loan Cost?

    The cost of repaying the loan depends on the terms and conditions of your loan agreement. It's a competitive lending environment and will always vary from lender to lender. Generally it includes the principle (the amount of money you borrowed), the interest (the amount of money that is charged while the money is being borrowed), and any fees that may incur due to late payment and/or other penalties. This all depends on the terms of the loan, which must all be disclosed to you before you agree to the loan. You do not need to accept the terms of the loan. You can decline the offer of the lender however please remember that we have one of the largest partner networks that will be competing for your business. If you do accept the terms of the loan and sign or e-sign the agreement, then you will be responsible for repayment of the loan and any fees you agreed upon. Be sure to carefully read and fully understand the loan documents before you agree to take out the loan. Remember, applying for a loan and being approved for a loan does not obligate you to accept the loan. If you have any questions or do not fully understand the terms of the loan, be sure to contact the lender for clarification.

  8. If I'm Already Paying Off a Loan, Can I Take Out Another?

    Yes, you can apply and request funds for any purpose at any time. The essence of our service is to provide access to capital that assists consumer who need need cash now. We recommend if you talk to a lender on the phone and tell the lender of your other financial obligations if and where necessary. Our service is 100% and free to use.

  9. How Do I Pay My Loan Back?

    Generally, lenders will require payments to be made via automatic withdrawal from your bank account. However, if you foresee any problems with the method or may have trouble making a payment, you should contact the lender immediately.

  10. What If I'm Late Making a Payment?

    The late fees and penalties vary from lender to lender. This information will be included in the quick loans online agreement that will be provided to you before you accept the loan. As always, we recommend you fully read and completely understand the fees and penalties of the loan agreement before you agree to take out the loan.

  11. Is My Information Safe and Secure on QuickLoans.net?

    Yes, your personal information is safe and secure. QuickLoans.net is protected by a AES-256 Bit SSL encrypted network. It meets industry security standards, and all information provided is encrypted during submission.

  12. When Can I Apply for Another Loan?

    After applying for your initial loan, you can apply for another loan after 72 hours.

  13. Can the Repayment Period be Extended?

    Individual states have their own regulations in regard to repayment extension. If you live in a state that allows extensions, please contact your lender in advance so you can make arrangements if you cannot repay your loan within the specified time frame of your loan agreement.

  14. If I Default on My Loan, What will Happen?

    Contact your lender as soon as you realize you are unable to make the agreed upon payments within the terms of the loan. If you are unable to make your regular payments, you could possibly incur additional fees, penalties, and/or higher interest rates. Lenders can use legal means to collect the funds that are due which is why we only and always recommend you request the amount of funds you actually need and not a penny more.