When making your choice on a payday loan, there's no need to wonder—Unlimited Payday has your answers.

What is a payday loan?

A payday loan is a short-term personal loan that is repaid with a pre-authorized electronic withdrawal from your checking account on your next payday.

What do other lenders charge?

Payday loan rates vary widely from lender to lender. Some may advertise low rates, but add on hidden fees and undisclosed roll-over costs and most who say they're "low" are actually "high". Always read the fine print and, if necessary, call. Unlimited Payday, rates vary by the state you're borrowing in. We strive to provide the most competitive rates in the industry- rates backed by state regulatory laws.

What's the benefit of Unlimited Payday Membership?

Membership with Unlimited Payday is more than a password and user name -- its access to money saving tips, real-time status on your loan, payment reminders and a completely intuitive member interface that allows you to make the Unlimited Payday experience your own.

What if I have poor credit?

No problem, we often loan to people who have had past credit problems. The best way to find out if you are eligible for an Unlimited Payday loan is to fill out a new member application for quick cash and instantaneous approval information. If you have questions about your eligibility for a loan or would like to learn more about how a payday loan works, please contact us at: 1-800-859-2751.

How do I receive the cash, and how do I repay the loan?

When you request a payday loan, you authorize Unlimited Payday to facilitate:

• Direct deposit of your requested loan amount into your checking account.
• Direct withdrawal the loan amount and fee on your next payday. Please see our state by state fee schedule for more information on how much a paycheck loan costs.

How will I know you will only withdraw what I owe on the loan?

Unlimited Payday was built on integrity. We honor and are regulated by state financial regulations. We have no legal right to withdraw more from your account than you authorize in the loan agreement.

How long does it take to be approved?

Once you click submit, your application is quickly reviewed for approval. It usually takes a few hours for approval after we have received all your information. If you wish to know the status of your application or have any question regarding your loan please contact us.

How soon can I receive a cash advance?

Once your loan is approved an Unlimited Payday cash advance usually funds within 24 banking hours of your request. If you are requesting your second payday loan, you are free to borrow once payment of the previous loan has been verified (this may vary by state).

What if I request it on Friday or a weekend?

A loan approved on Monday through Thursday before 5:30 p.m. Mountain Time (7:30 p.m. Eastern Time, 6:30 p.m. Central Time, 4:30 p.m. Pacific Time) is usually deposited in your account on the following day. Due to bank hours and days of operation, a loan approved after 5:30 p.m. Mountain Time on Thursday, or at any time on Friday, will usually be deposited in your account on the following Monday. A loan approved on a Saturday or Sunday will usually be deposited in your account on the following Tuesday. Always verify the deposit has arrived and is available for withdrawal before writing any checks on that deposit.

Is my loan confidential?

Absolutely! We do not disclose information about you or your loan except in accordance with our Privacy Policy and your permission.

What if I can't pay the loan on the due date?

We understand life can come at you fast which may make payment difficult when your pay date arrives. Unlimited Payday does offer a refinancing* on your short term loan. If you know you won't be able to repay on your due date, please contact us immediately. Without a refinance request or call by 5:30 p.m. MST the day before your loan due date, the loan will be automatically considered late and in default on your due date.

How does a refinance work?*

A refinance allows you to extend your full payment deadline past your due date -- allowing you some breathing room. A refinance request must be received by 5:30 p.m. Mountain Time the banking business day before your payday loan is due. We may approve a refinance until your next payday up to a maximum of 18 days. The fee for refinancing your loan can be found here. The refinance is then debited on the original due date of your loan. We recommend that you pay an additional amount toward the principal balance if possible.

*refinances are subject to state laws in your state.

Can I request another loan when I already have one loan outstanding?

We don't believe in getting our customers into a situation which may be hard to repay their short-term loan or put them into a financial bind. Unlimited Payday’s values in responsible lending allows us to serve our customers one at a time. Once a current loan is paid, you are welcome to take another.

What is the cost of credit for a payday loan?

Because Unlimited Payday believes in state licensed, responsible lending, the cost of an Unlimited Payday loan will depend on the state you live in. Check out our fee schedule for more information about paycheck loan fees and payment options.

Can I prepay my loan?

Yes. In fact, we encourage you to make pre-payments on your current loan. A prepayment can be paid by ACH debit, by credit card, or with a prepaid credit/debit card in any amount you request. If you would like to schedule a prepayment, please contact one of our customer service representatives who will be happy to assist you in making those arrangements.

Can I rescind on my cash advance?

Yes. As the borrower you have the right to rescind your deferred deposit loan.

RIGHT OF RESCISSION: You have the right to rescind the Loan without incurring any charges by notifying us of your election to rescind before the close (5 p.m. (MST) of business on the next business day following the date on which the Loan was executed. You may notify us of your election to rescind by calling us at 800-851-2791. If you elect to rescind this Loan, then: (i) you authorize us to immediately initiate an ACH debit entry to your Account in the amount of the Loan; and (ii) you agree to pay a one-time fee of $20 if your bank fails to pay, or demands a return of any funds transmitted to us in response to, such debit entry. No such rescission will be effective until we have received a return of the Loan amount.

Unable to find the question you were looking for? Feel free to contact us any time:

1-800-859-2751.