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FAQ

Q: What is a payday loan?
A: A pay day loan is a service which provides customers with a cash advance till their next payday.

Q: What can I use my cash advance for?
A: a cash advance can be used for a number of things.  The most common are: a bill payment, an unexpected expense, a weekend getaway, or avoiding an NSF charge.

Q: What are the requirements to obtain a payday loan?
A: We, essentially, look for our customers to meet our criteria: you will need a valid checking account for at least 3 months, you must have a full time job for at least 6 months, you must live at the same address for at least 6 months, and you must get paid via direct deposit. You must also not be in bankruptcy status or have any garnishes against your pay.

Q: How much will your advance cost?
A: Our fees are $30 per $100 borrowed for a two week period.

Q:How do I Apply?
A: You may apply for a payday loan via our simple online application.  Click here to apply now.

Q: What would I be required to fax in?
A: Nothing. With today’s technology we are able to verify all the information through national data bases.  If there is something that we cannot confirm we might need you to fax in or e-mail some documentation such as personal voided check, a photo I.D., a utility bill, your last pay stub, etc.

Q: When will I hear from you?
A: Once the online application has been submitted an agent will be contacting you, by phone or e-mail, within one hour to address your application and facilitate the application process.  Business hours are Monday to Friday between 8:00 and 20:00 (EST).  For applications submitted after hours we will contact you first thing the next business day.

Q: How do I receive funds and how do I repay the loan?
Today’s technology allows us to be a virtual lending institution who can cater to all of North America.  Through EFT and ACH we will directly deposit funds into your bank account.  With your signed contract you will authorize us to withdraw from your account on your payday the amount of the loan and the fees. 

Q: How can I trust the amount you withdraw is the amount I agreed to?
A: As online lenders we are subjected to strict laws and liable regulation practices.  We can only debit for the amount authorized by customers. 

Q: How much can I borrow?
A: You can borrow up to 50% of your weekly salary or 25% of your bi-weekly salary.

Q: How do I know when the loan is due?
A: All loans are due on your next approaching payday.  The maximum length we allow is a 15 day cash advance.

Q: Can I renew my loan?
A: We do not recommend renewals.  But Yes, you can renew your loan, if there is a need to do so.  We are after all here to help you.

Q: Can I pay the loan back early?
A: Yes you can pay the loan off any time.  All you have to do is either: call us and let an agent know when you want to pay off. You may also access our website with your username and password and change the due date of your loan all on your own. Our system will update automatically.  All fees will be retroactively changed to the proper amount owing for the due date chosen.

Q: What can I do if am not happy with your service?
A: We do everything in our power to provide the best service to our customers. However, we understand that sometimes it may not meet someone’s expectations. If you're not fully satisfied with your experience, please let us know, so that we would be able to improve our service.

Whatever your complaint is, please rest assured that we will pay adequate attention to it and will do our best to address it as soon as possible. To file a complaint, please e-mail it to disputes@7dayloans.com

At all times we aim to resolve any problem as soon as possible. If a complaint cannot be resolved within 10 business days, our representative will contact you and provide you with the information about the status of your complaint, including the reasons for the delay and the date of the further update.

 

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