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FAQ


What is a payday loan or cash advance?
A payday loan or cash advance is a short-term unsecured cash loan to help you until your upcoming payday. Customers choose payday advances to cover small, unexpected or emergency expenses avoiding costly bounced check charges and late payment penalty charges. Here at 2500-Loans.com, you can apply online for a pay day loan and your advance will be electronically deposited to your checking or savings account.

What can a payday loan be used for?
Regardless if you are paying down bills, covering an unexpected cost, emergency situation or celebrating a special event, your $2500 payday advance is there to be used at your own discretion.

How much can I receive?
Your first cash loan relies on the info you provide inside your loan application. You may borrow up to $2500 and after a successful repayment of your loan, we may raise the amount on any future 2500-LOANS.com loans.

How are fees established?
Our fees are competitive and in compliance with all applicable state and federal laws.
Depending on the matched lender, fees can vary from $25 to $30 per $100 borrowed. For example, if you borrow $300 then the fee is going to be between $75 and $90.

How do I qualify for a payday loan?
2500-Loans does not perform credit checks, which makes qualifying for a payday advance easier than for traditional credit. You should meet all of the following requirements:

  • Be 18 years of age or older and a U.S. citizen
  • Currently employed (or receive regular income)
  • Make no less than $1000 per month
  • Have a checking or savings account with direct deposit enabled.

What is the procedure to apply for a payday loan online?
Just complete and submit our loan application to apply for a payday loan. The approval decision is almost instant and takes few seconds.Our agent will notify you of your loan status within minute.

What information do I need to complete the application?
We need your personal information such as your name, address, phone; your employment information; your banking details; and the picture identification to be able to complete your payday cash loan request.

Is my personal and financial information secure?
We respect our customer's right to privacy in managing their personal finances. Our site uses a variety of security measures to take care of your personal information protection. All sensitive data transmitted between your browser and our website uses 128 bit SSL (Secure Socket Layer) encryption technology.

Is there an application fee?
2500-Loans.com never charges applicants a fee to qualify for a cash payday loan.

Does submitting an application obligate me to take out a loan?
NO; submitting a loan application simply states that you wish for one of our agents to accept and make contact with you to discuss your cash advance solutions. You may ask us any questions, and withdraw your request if you so choose. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.

What if I have bad credit?
As we do not perform credit checks, bad or poor credit won't prevent you from getting a payday loan at www.2500-Loans.com. Our friendly managers will work together with you, despite the fact that your application have already been rejected by other lenders.

Does being a tenant influence my eligibility?
NO, no matter if you rent or own your home, it doesn't impact your eligibility for a payday cash advance.

Do I need to fax my information?
NO, there is no need to fax any personal details. The lending company will quickly get all of necessary information on-line.

Can I have more than one payday loan at a time?
NO, all other payday loans should be paid back before another loan may be approved.

Do you contact current or former employers?
NO, the lenders operate a strict confidentiality policy. Nothing of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Do I need direct deposit in my bank account?
YES, your bank account must be set up with direct deposit in order to be eligible for a payday advance. Direct Deposit is the securest way to offer $2500 loans as fast as we do.

When will I receive my payday loan?
Your application will be processed within 30 minutes upon being received. As soon as approved, you may collect your loan the next business / working day. During that time, we'll help schedule a repayment date so you will not have to bother with bouncing a check or missing a deadline.

How will I know that my loan has been approved?
You will receive an email notification once your loan has been approved. 2500-Loans.com reserves the right to make corrections to your loan approval up until you receive the funds in your bank account based on new information received regarding your application.

When will my loan be due?
Each state has different rules and regulations regarding loan payment dates. Usually, repayment is scheduled on your next pay day (between 8 and 25 days away).

What if I want to pay back my loan early?
Contact us if you wish to pay off your loan before the scheduled due date. In doing so, you may be entitled to a partial refund of your loan fee.

What if I am unable to repay my loan by the due date?
If you fail to repay the complete amount of your loan by the due date, you may be able to obtain a loan extension.

The following payment options are available:

  1. Pay the loan in full on the maturity date listed per your loan agreement.
  2. Pay the finance fee and a portion of the principle on or before the maturity date.
  3. Pay only the finance fee on the maturity date.

How often can I get a payday loan?
We are available at any time you need financial support between your paychecks. We encourage all of our clients to use these cash loans responsibly and keep in mind that a payday loan is a short-term treatment for an urgent cash need; they should not be used regularly to deal with constant financial issues.

We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment.
Our lenders may offer you a loan with an APR between: 200% and 2281% The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.
NOTICE: PLEASE BORROW RESPONSIBLY. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.

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