Frequently Asked Questions

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Loan Questions

Common questions about payday loans.


A payday advance is a quick, easy and convenient loan that can be used to address short term and immediate financial needs. Payday advances are commonly used for financial emergencies, like home or auto repairs, unexpected medical bills, or in times where you are falling a bit short on your budget before your next payday.

At NextPaydayAdvance, customers can request up to $1,000. Not everyone is eligible for $1,000. In the event that you are not connected with a lender, you may still be still connected if you request a lower amount. Simply follow the instructions provided re-submit in real-time.

Once we have connected your request with a lender, NextPaydayAdvance will direct you to their site where you will receive instructions on how to finalize your loan. Once you have signed for your loan your funds are released. Funds are typically received in your bank account as soon as the next business day.

Since we are not a lender ourselves, we do not make credit decisions or determine APRs. The lender you are ultimately connected with will present you with a loan offer that includes the loan amount, annual percentage rate (APR) and the terms of repayment, among other information regarding your loan. Review this information carefully before signing for your loan.

Our lenders consider a broad range of criteria to determine your eligibility, including your personal information, income and state of residence. However, some states restrict more than one short-term loan to be outstanding.

At NextPaydayAdvance, we believe that everyone deserves access to credit. Although credit is one aspect of your request that is assessed, our lenders consider a broad range of criteria to determine your eligibility, including your personal information, income and state of residence. We work with lenders that provide loans for those with excellent to poor credit. Even if you are in the process of rebuilding your credit, you may still qualify for a loan.

Once you submit your request form, our loan engine automatically begins connecting you with a lender based on the information you provide. If a lender is found, you will be notified on our site in real-time. You will then be directed to your lender's site for instructions on how to finalize your loan. If we are unable to connect your request with a lender, we will direct you to additional options to help address your financial needs.

Because we are not a lender ourselves, the exact terms of your loan (including interest rates, repayment periods and monthly payment information) will be presented to you by your lender. Each lender uses their own policies to determine their terms, which often depend on your personal information, including monthly income, credit history and even the state that you reside in.

Your loan is typically due on your next pay date. However, some lenders will allow for extended repayment options for a fee. Please contact your lender directly if you have repayment questions.

Your loan is typically due on your next pay date. However, some lenders will allow for extended repayment options for a fee. Please contact your lender directly if you have repayment questions.

NextPaydayAdvance connects borrowers with lenders but is not a direct lender. The lender you are connected with has its own policies regarding late payments. These policies can be reviewed within the lender's terms and conditions before accepting a loan. If you are unable to make a payment on time, please contact your lender directly discuss an alternative payment schedule.


General Questions

Common questions about NextPaydayAdvance.


NextPaydayAdvance utilizes industry standard security protocol and enhanced 256-bit data encryption technology to ensure that your information is safe and secure while using our site.

If you have any questions or concerns about your loan, these should be directly addressed with your lender.

NextPaydayAdvance is not a direct lender. Rather, we connect potential borrowers with prospective lenders participating in our direct lending network. We do not charge a fee to connect borrowers with lenders, our service is completely free.

NextPaydayAdvance accepts loan requests 24 hours a day, 7 days a week. Our network of lenders is open at all times, unlike conventional banks that are only open during business hours. Once you are connected with a lender you will receive instructions on how to finalize your loan with your lender.