Frequently Asked Questions (FAQ)

Where do I go to get answers about my existing loan?

toppaydayloan.life is not a bank, financial institution, or lender. We do not make credit decisions or issue loans. Moreover, the owner/operator of this website is not a broker, agent, or representative of any lender. toppaydayloan.life works as a connection to a network of Payday Loan Direct Lender lenders. If you require details on your loan or have questions/concerns regarding your cash advance, contact your lender directly. They will be able to assist you. In addition, information about your loan and your lender should be included in your approval email, bank statement, or via contacting your bank/credit union directly.

Do I qualify for a loan?

You can submit a request for a loan if you meet these basic criteria:

  • Receive regular scheduled income via employment or benefits such as SSI
  • Earn at least $800 a month
  • Have a checking account
  • Are 18 years of age or older
  • A permanent resident of the US

Note that other requirements may be applicable depending on the Payday Loan Direct Lender lender. Even customers who have filed bankruptcy, have bounced checks or have other credit issues can be approved for loans online.

What is a Personal Loan and what can I use it for?

People get personal loans to help with home repairs, unexpected expenses, holiday shopping, bills, and more. Such a loan from one of our lenders can help you get the cash you need! Once you fill out our form online, if approved, you can receive money as fast as next business day.

How fast can I get the money?

While approval for a loan can be fast, usually within minutes, you are not likely to be able to get money until next business day. Think of the process as depositing a check into your bank account, typically, you have to wait at least 1 business day before the check clears and the money is available for you to use from your account. If you are approved for a personal loan by one of the lenders in our network, you can receive the cash for your emergency in as little as 1 business day and resolve your emergency in no time!

How do you protect my privacy and personal information?

In transmitting your personal information to our lender network we ensure your information is safe and secure. Using SSL encryption your personal data is scrambled in route to our servers, and decrypted once it arrives at toppaydayloan.life.

Do I have to go into a store or wait in line?

Entering your information on toppaydayloan.life is easy and private. From the comfort of your home desktop, laptop, smart phone, or tablet computer you can complete the entire process without going into a store and waiting in embarrassing lines. The process is easy and private.

Are there any fees?

toppaydayloan.life does not charge the consumers any fees and there is no fee to submit your information online. If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. toppaydayloan.life is not a lender and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.

Can I request funds by phone?

If you want to submit your loan request over phone you can call us at: 866-956-2474