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Frequently Asked Questions
1) How Long Do People Have to Pay Off a Payday Advance?2) What If I Need To Extend My Loan Pay Back Period?
3) How Can I Tell If I Have Been Approved for a Loan?
4) If I Have Bad Credit, Can I Still Get a Payday Loan?
5) How Much Money Can I Receive With a Personal Loan?
6) When Will I Have Access to My Funds?
7) What If I Don't Have Enough Money In My Bank Account To Pay Off My Loan?
8) When I Pay Off A Loan, How Soon Can I Receive Another Loan?
9) I Applied For More Money, Why Was My Approved Loan for a Lower Amount?
10) Why Do You Ask Me for My Banking and Social Security Info?
How Long Do People Have to Pay Off a Payday Advance?
Typically people have 8 to 25 days to pay off their loan amount completely (including interest and/or fees). Most of the time payment due dates are based on your next payday. However, some lenders can set-up an extended payment plan but this usually involves additional interest and fees.
Most lenders will send an email 1-2 days prior to your due date reminding you when your payment is due. However, if you don't have the money available and ready to pay off the complete balance by the due date, most lenders will accept partial payments and extend your loan for an additional fee. BUT THE ORIGINAL LOAN FEE MUST BE PAID FIRST before most lenders will extend or write you another loan for the remaining balance. Typical fees range from $15 to $30 on every $100 borrowed. Back to top
Typically people have 8 to 25 days to pay off their loan amount completely (including interest and/or fees). Most of the time payment due dates are based on your next payday. However, some lenders can set-up an extended payment plan but this usually involves additional interest and fees.
Most lenders will send an email 1-2 days prior to your due date reminding you when your payment is due. However, if you don't have the money available and ready to pay off the complete balance by the due date, most lenders will accept partial payments and extend your loan for an additional fee. BUT THE ORIGINAL LOAN FEE MUST BE PAID FIRST before most lenders will extend or write you another loan for the remaining balance. Typical fees range from $15 to $30 on every $100 borrowed. Back to top
What If I Need To Extend My Loan Pay Back Period?
Not all payday loans can be extended. Loan extensions are authorized based on individual lender's policies and extensions are NOT available in all states. To see if you are eligible for an extension, go to the Rates & Terms page of your lender's website or contact your lender directly. NOTE: THE ORIGINAL LOAN FEE MUST BE PAID FIRST before most lenders will extend or write you another loan for the remaining balance. And remember with an extension more fees will be added and you will keep accruing interest on the remaining balance. Back to top
Not all payday loans can be extended. Loan extensions are authorized based on individual lender's policies and extensions are NOT available in all states. To see if you are eligible for an extension, go to the Rates & Terms page of your lender's website or contact your lender directly. NOTE: THE ORIGINAL LOAN FEE MUST BE PAID FIRST before most lenders will extend or write you another loan for the remaining balance. And remember with an extension more fees will be added and you will keep accruing interest on the remaining balance. Back to top
How Can I Tell If I Have Been Approved for a Loan?
Our lenders will always email you with confirmation letter and instructions on next steps, once you have been approved for a loan. Also, our website will direct you to the lender's website where you can usually accept the loan immediately by using an esignature. NOTE: Our lenders reserve the right to make adjustments to your loan approval up until the time you receive the funds in your bank account. Back to top
Our lenders will always email you with confirmation letter and instructions on next steps, once you have been approved for a loan. Also, our website will direct you to the lender's website where you can usually accept the loan immediately by using an esignature. NOTE: Our lenders reserve the right to make adjustments to your loan approval up until the time you receive the funds in your bank account. Back to top
If I Have Bad Credit, Can I Still Get a Payday Loan?
Yes! Payday loans are based on a number of independent variables BUT traditional credit scores will NOT prevent you from receiving a payday loan at SupersonicPayday. Back to top
Yes! Payday loans are based on a number of independent variables BUT traditional credit scores will NOT prevent you from receiving a payday loan at SupersonicPayday. Back to top
How Much Money Can I Receive With a Personal Loan?
Your qualified loan amount is based upon the information you provid in your loan application. Most payday loans range from $250 up to $1000, however we do have lenders that lend up to $10,000*. If this is your first loan you may not be approved for a high amount however, after successful repayment of your payday loan, lenders tend to increase loan amount on your future loans. Amounts can also depend on the state laws and regulations, so check with your lender about the state constraints on payday advances where you live. Back to top
Your qualified loan amount is based upon the information you provid in your loan application. Most payday loans range from $250 up to $1000, however we do have lenders that lend up to $10,000*. If this is your first loan you may not be approved for a high amount however, after successful repayment of your payday loan, lenders tend to increase loan amount on your future loans. Amounts can also depend on the state laws and regulations, so check with your lender about the state constraints on payday advances where you live. Back to top
When Will I Have Access to My Funds?
After you have been approved and signed a contract most individuals will receive funds within 24 hours unless it is a weekend or a holiday. However, some of our lenders can wire cash directly to your bank account within ONE hour. Back to top
After you have been approved and signed a contract most individuals will receive funds within 24 hours unless it is a weekend or a holiday. However, some of our lenders can wire cash directly to your bank account within ONE hour. Back to top
What If I Don't Have Enough Money In My Bank Account To Pay Off My Loan ?
If you don't have the money available to pay off the complete balance by your due date CONTACT YOUR LENDER IMMEDIATELY. MOST lenders will accept partial payments and extend your loan for an additional fee. BUT THE ORIGINAL LOAN FEE MUST BE PAID FIRST before most lenders will extend or write you another loan for the remaining balance. Back to top
If you don't have the money available to pay off the complete balance by your due date CONTACT YOUR LENDER IMMEDIATELY. MOST lenders will accept partial payments and extend your loan for an additional fee. BUT THE ORIGINAL LOAN FEE MUST BE PAID FIRST before most lenders will extend or write you another loan for the remaining balance. Back to top
When I Pay Off A Loan, How Soon Can I Receive Another Loan?
If you need money immediately you can apply for another loan at SupersonicPayday the same day. However, it is BEST to wait to repay the original loan amount first. Once your full payment has been received by the lender, it normally takes up to two business days for your payment to clear their bank. Once the payment clears, it is reported and one of our many lenders will normally issue you another loan, sometimes for a higher amount! Back to top
If you need money immediately you can apply for another loan at SupersonicPayday the same day. However, it is BEST to wait to repay the original loan amount first. Once your full payment has been received by the lender, it normally takes up to two business days for your payment to clear their bank. Once the payment clears, it is reported and one of our many lenders will normally issue you another loan, sometimes for a higher amount! Back to top
I Applied For More Money, Why Was My Approved Loan for a Lower Amount?
At SuperSonicPayday, our built-in search engine always seeks out the highest loan amount with the lowest interest rate possible. However, depending on a variety of factors including; available lenders, income level, state laws and employment information - you may not qualify for more than $500.00 the first time. Back to top
At SuperSonicPayday, our built-in search engine always seeks out the highest loan amount with the lowest interest rate possible. However, depending on a variety of factors including; available lenders, income level, state laws and employment information - you may not qualify for more than $500.00 the first time. Back to top
Why Do You Ask Me for My Banking and Social Security Info?
In order for us to find the best loan and wire money directly to your account, we must have your personal information to verify your identity and to deposit funds into the correct bank account. Your information is always kept secure and confidential in our encrypted database. See Our Safe and Secure promise for more information. Back to top
In order for us to find the best loan and wire money directly to your account, we must have your personal information to verify your identity and to deposit funds into the correct bank account. Your information is always kept secure and confidential in our encrypted database. See Our Safe and Secure promise for more information. Back to top