Frequently Asked Questions

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How it works

Consumers looking for an emergency loan of $100 - $1,000 without the hassles of a credit check or mounds of paperwork, turn to payday lenders who are willing to take the risk on a short term loan. Typically these loans are for a period of four to ninety days.

Payday lenders agree to deposit the $100 - $1,000 loan into the borrower's checking or savings account, usually the same or the next day following loan approval. The borrower agrees to let the lender debit his/her account on specific future dates (almost always the date the borrower receives their income) for a specific minimum amount (usually just the fee). Borrower gets the emergency funds when he/she needs them without hassles, and lenders receive their fee (typically $10 - $30 per $100 borrowed each 14 days ) for giving the short term loan.

These loans should be paid off as quickly as possible. When stretched out over several pay-periods or more, the fees can really add up.

A borrower applies for a payday loan by providing very basic information to the loan source. Typically the list looks like this: (i) The borrower's name, address, phone numbers, and email address; (ii) some yes/no questions like: do you receive at least $500 per month income? Do you have a checking or savings account?; and (iii) information to confirm the borrower's identity (to comply with the USA PATRIOT Act) such as date of birth and social security number. Lastly, the loan source will need the bank routing number and the account number for the account into which the money should be deposited. This is also the account the lender will use to debit the money from later.

How much is the cost or fee?

90dayloans.com does not charge a fee to consumers for using our services. There is no fee charged to apply by the loan source either. Only in the event that you actually receive a loan from a lender will you incur a fee or interest charge. That amount should be disclosed to you by your lender prior to obligating yourself to a loan, so you will know your fee structure/APR before you obligate yourself to a loan.

For Example: These examples are based on a minimum 14 day loan term, regardless of early loan payoff. We estimate that the finance charges offered through the loan sources displayed on this website range from $10 per $100 borrowed each 14 days (two weeks) up to $30 per $100 borrowed each 14 days (two weeks). The corresponding Annual Percentage Rate range for this estimated range would be between 260.71% and 782.14%.  

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How much is the minimum payment?

You will know your minimum payment before you accept your loan terms.

Your actual minimum number of payments, and other repayment terms should be disclosed to you by your lender prior to obligating yourself to a loan.

Generally these minimum payments coincide with your pay dates and allow you to pay more than the minimum without a penalty. How long it takes to pay the loan off is largely up to you and whether you choose to make the minimum payments, or pay more than the minimum.

Nearly all of the loan sources advertised on this website will allow payment terms of up to at least 90 days. We suggest you pay your loan off sooner than 90 days if this is possible.

For Example: These examples are based on a minimum 14 day loan term, regardless of early loan payoff. We estimate that the finance charges offered through the loan sources displayed on this website range from $10 per $100 borrowed each 14 days (two weeks) up to $30 per $100 borrowed each 14 days (two weeks). The corresponding Annual Percentage Rate range for this estimated range would be between 260.71% and 782.14%.  

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Paying the loan back - When do I have to pay it back?

You will typically have up to 90 days to pay off your loan. Typically payments will start on your next pay date that is at least four days away from when you apply. Specific dates can be obtained by reviewing the terms of your loan provided by your loan source.

Contact by phone - We're here to help.

Our Customer Service Department is available 8:00 AM to 7:00 PM EST to answer any questions you may have. For a more secure process, please complete the process online. Our online process allows you to securely and correctly enter your personal information. Providing information by phone leaves a margin of error for your information to be entered incorrectly, and/or possibly be misplaced. Get Matches Now

Receiving another loan

You may qualify for up to $1,000 from a single lender. We will match you with up to three different loan sources. We suggest that if you do not get approved for all of the funds that you need from a single loan source, that you accept what you are approved for, and apply with another loan source that we matched you with to obtain the balance of funds that you need. Get Matches Now

How long does approval take?

Most approvals are instant, some approvals may take up to an hour. It depends on the programs of the loan source(s) that you select and qualify for. Get Matches Now

How fast will I receive my funds?

Depending on the program and loan source(s) that you select and qualify for, you could receive your funds in as-soon-as a few minutes from now, or it may take a full 24 hours. Many borrowers receive their funds within hours of applying.

What if I don't have an email address?

If you don't have an email address you can sign up for a free email address at one of the many email sites on the Internet like Lycos® Mail, YAHOO® Mail, Excite®, and Google® Mail to mention only a few.

Signing up for free email is very simple and will only take a matter of minutes. We are sure you will find many other occasions to use an Internet email account, such as communicating with friends, family, and classmates.