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How It Works

Step 1

Apply Online

Our application process is simple and secure. Find out how much you can get today. Just fill out the online application and submit your documents.

Step 2

Get Approved

Once you submit your application online, we will let you know right then if you are pre-approved for a specific dollar amount. Then you will receive a call from our customer service center for final approval.

Step 3

Get Your Cash

You can receive your funds through electronic direct deposit into your bank account or pick up cash at one of our locations.

Frequently Asked Questions

  1. What is a payday loan?

    A payday loan, also known as a payday advance, deferred deposit loan or cash advance, is a small loan typically between $100 and $1000 that's used to cover small, often unexpected expenses. These types of loans are short-term, typically between 8 and 38 days, though in some states it could be longer or shorter.

  2. How do I apply?

    Just fill out the online payday loan application. If you're approved, you simply have to sign a few agreements and get your loan. Your contract will clearly state the terms of the agreement, including repayment date, the amount required to repay your loan in full and the Annual Percentage Rate (APR) that applies to your loan. Like with any other contract, you'll want to read carefully to understand all the terms before signing.

  3. How long does it take to get my money?

    If you have selected to receive your money through electronic direct deposit, in most cases the money will be deposited into your account within one business day. However, if you have applied after 6pm Central, over the weekend or on a holiday, the process will begin on the next business day and your money will usually be deposited on the business day after that. If you have selected to receive your money by picking up cash at one of our stores, in most cases you should be able to get the money same-day.

  4. What are the minimum requirements?

    To apply for a loan, all you need is a valid email address, verifiable source of income, an active checking account in your name, 2 references, valid driver's license or state ID and a working phone.

  5. Will you check my credit score?

    Your credit score will not be used by LendNation. However, we may access certain credit history information during the evaluation process. Your personal information, which you submit and is confirmed as part of the application process, along with any additional information we may have access to, will be used to determine the maximum amount you can borrow. Things like your employment, income and banking information are all examples of personal information we use.

  6. How much can I borrow?

    In addition, first time borrowers may be limited on their maximum loan amount.

  7. What is the loan fee?

    Each state regulates the fees and interest that can be charged for a payday loan in their state. For a description of the specific fees in your state, please enter your zip code to view state specific product details.

  8. When will my loan payment be due?

    Your loan payment is typically due on your next pay date.

  9. What are my options when my loan is due?

    Your repayment method will automatically be processed on your bank account as noted with your authorization in your loan agreement. This is typically an ACH or Debit Card depending on what option you chose and/or what is available to you in your state. The repayment amount is the amount you borrowed plus interest and applicable fees and will pay off the loan minus any payment(s) you may have paid prior to the due date. Some states allow an option to extend/refinance the term of the loan. If your state allows this option, you can access your account on our website to extend/refinance your loan.

  10. What happens if I cannot pay my loan on the due date?

    If you are unable to pay your loan on the due date, you should contact a customer service rep as soon as you can to get details on your options. You can reach us at 1-866-324-9565. Remember, you can prepay your loan at any time, without penalty, and can always reduce the principal amount on your loan at any time.

  11. What if I want to pay back my loan early?

    You'll get no argument from us. You can pay back your loan early without penalty.

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Why Us

LendNation is more than the products and services we offer. It's what we do, but not who we are. Yes, we provide loans generally within one business day; but more importantly we provide a customer experience that is second to none. It's more than a quick application process and excellent customer service; it's treating you how we'd want to be treated ourselves. It's what you deserve and it's what we're all about.

Here are some of the key points of our promise to you - the LendNation Pledge.

Honesty - we're not only honest, but up front too. That means no hidden fees, while also being completely up front with all the information you need to know. Plus we do it in a way that doesn't require a magnifying glass.

Dependability - when the unexpected becomes reality, we're here to provide a little hope and a lot of relief. You can depend on us to provide knowledge and understanding backed by over 30 years of experience. LendNation abides by all state and federal law and also cooperates with agencies such as the CFBP and CFSA to offer you the expertise that only an industry leader can provide.

Respect - we respect the fact that every person is different. At LendNation, we go out of our way to get to know our customers and understand their individual situation. We do so without judgment and with the confidentiality and privacy you'd expect from a trusted friend.

Friendly - we believe that friendliness isn't just being polite, it's about making people feel comfortable and welcome. It goes hand-in-hand with respect, dependability, and honesty. We take the customer-focused philosophy to the extreme.

Simply put; LendNation is made up of real people who go out of their way to listen, understand, and find a solution that is best for you and your life. It's who we are and it's our pledge to you.

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Contact Us

We welcome your questions and comments

Have a comment about good service? We'd like to know. Think we could use improvement in some areas? Tell us about it. Have a question that isn't covered in our FAQ? Ask away. We welcome your input and are here to help. Just fill out the simple form below and we'll get back to you as soon as we can. If you prefer to talk with us right away, call us at 1-866-324-9565 Monday through Friday from 8am to 8pm or Saturday 9am to 6pm central standard time.

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