Online Payday Loans FAQs

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What is a Personal loan?

A personal loan is money borrowed from a bank, credit union or online lender that you pay back in fixed monthly payments, or installments,typically over two to five years. Lender rates can range from 6% to 26% APR.We provide unsecure Personal loans, Most of these loans are less than $35,000. When they are larger than $35,000 they are normally called installment loans which allow for longer payback periods and have lower interest rates. You can get your loan approval within in a few minutes and without any hassle.

How Much Funds Can I Obtain?

If approved, you can get anywhere between $1000 to $35,000 Your chosen payday lender will be able to establish exactly the maximum loan amount you could be eligible for, depending on your income and other information supplied by you.

How Much Does It Cost to Use Lending Capital Loans? is absolutely free to use. Our services are free.The Interest rates applicable on your loan will vary according to your Personal loan amount and your repayment.

You should understand that Personal loans are intended to fulfill your emergency cash needs, Always borrow responsibly.

Can I Still Qualify for a Loan If I Have Bad Credit or a Bankruptcy?

Yes.we do not run your credit score . You may qualify even with your bad credit.

If I Already Have a Payday Loan Outstanding, Can I Still Qualify?

Yes. you can still qualify for a loan.

What Are the Basic Criteria for receiving a Payday Loan or Cash Advance?

It may be a lot easier than you may think. The basic requirements for a loan approval include:

  • Earn a monthly salary of at least $1200.00 to $1400.00 per month after taxes.
  • Be at least 18 years of age.
  • Be a permanent U.S. resident or have citizenship in the U.S.
  • Have a valid contact number and a valid email address.

How Do I Receive the Funds?

Once the supporting documents are accepted and reviewed as required, your payday loan request proceeds for final approval. After getting approved, the loan amount is electronically transferred into your bank account.

How Long Will It Take to Obtain My Payday Loan?

Your loan request process can be completed within a few minutes, as little as 3 minutes!

Do I Need a Fax Machine or Printer?

Usually not. Rarely a lender may ask you to send documents to them either by email or fax. For example, your lender may ask for a recent pay stub/receipt, or bank statement. It's always recommended that you get a hard copy record of your loan agreement, but it's not required for processing your loan.

Note, many office superstores or mailing services like Office Depot, Office Max, & Staples offer fax and printing services if you do not have access to a fax machine or printer.

Can I Check My Loan Status at Lending Capital Loans?

Yes, all you have to do is login into your Lending Capital Online Profile .

How Do You Protect My Private Information?

Your privacy is secured by our advanced technology. Even the smallest pieces of information are encrypted to ensure your overall privacy and security. We have triple protection firewalls installed on our servers. We also purge sensitive data soon after you request to further limit any risk. You can learn more about this by viewing our Privacy Policy.

When Do I Repay My Loan?

When you are due for your scheduled re-payment, a pre-authorized electronic withdrawal is made from your bank account. You are not required to make any physical payments. If you need an extension, you should request it from your lender prior to your due date. Extra charges are levied for loan extensions and vary according to the selected lender. We do not recommend getting a loan unless you are confident you can repay it from your next paycheck and not be subject to additional loan fees.

What If I Can't Repay My Loan?

You should immediately get in touch with our support Department and im form them, regarding repayment issues of any loan, to seek a resolution, we will be more than happy to schedule it to a differnt date. Not informing us about the late Payment would cost you Extra charges and penalties may be applicalbe .

Can I Get an Extension for Repaying My Payday Loan?

You may be granted a loan extension or a ‘rollover' by lenders in certain states where rollovers are allowed. Some states even permit multiple rollovers, while others have a total ban on rollovers. Your lender can inform you about your eligibility to receive an extension. To request a rollover, you should immediately contact your lender prior to your due date. Your lender may charge extra penalties or fees if your scheduled repayment is late and may ask for an immediate refund of your leftover balance. Again, ask your lender.

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