Frequently Asked Questions

A payday loan is a short-term loan that is secured against your next paycheck. Also referred to as cash advances, faxless loans, or no credit check loans, payday loans can provide quick, convenient cash for emergencies and unexpected expenses.

To qualify for a payday loan through FundsOverNite.com, applicants must be United States residents over 18 years of age, they must currently have no outstanding payday loans from any payday lender, they must have an active checking account, they must make a minimum monthly income of $1,000, and they can not be a resident of Illinois, Massachusetts, Georgia, or any other state where prohibited by law.

As long as you meet the requirements for a payday loan you will not need to fax anything.

You can qualify for up to $1,000. Approval amount is determined by your income and other factors.

Generally you repay the loan amount plus fees when you receive your next paycheck.

Approval, in most cases, comes within hours of applying. Cash is usually in your account within 24 hours.

No. Your past credit history or bankruptcy are not taken into consideration, and they have no bearing on your approval.

You can activate a payday loan anytime as long as you have no other open payday loans. We strongly advise all of our clients to remember that a payday loan is a short-term solution to an emergency financial need and is not a long-term budgetary tool. To get help with ongoing debt management and budgeting issues, please call the National Foundation for Credit Counseling at 800-388-2227.

Fees are typically from $15.00 - $25.00 per $100.00 that is borrowed. Your fees will be determined when you apply, as fees can vary due to state laws and other regulations.