How It Works is not a lender and does not make loans or credit decisions. provides a free service for consumers to find independent, licensed third party lenders. can connect you to one or more independent lender in seconds after you complete our online request form. Our free service is available online from anywhere using your PC or mobile device. If there are available lenders, you can review the loan offers, terms and conditions subject to that specific lender. Once you agree to those terms, the monies can be available for your use as early as the next business day.

Independent lenders may have their own specific requirements for approving a payday loan, and these terms may differ among partnering lenders. Generally, the minimum requirements include, but may not be limited to:

  • 18 years of age or older
  • U.S. Citizenship
  • Valid bank account with direct deposit
  • Stable income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent of someone who is), serving on active duty under a call or order that does not specify a period of 30 days or fewer