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  How Does the Cash Advance Process Work?

When you are in need of money in-between paydays, all you have to do is apply for a cash advance. Also known as a “payday” or ”short-term” loan, these cash advances usually range from $100-$1,000 USD. First Loan Trust plays the role of “match-maker” by connecting you with a payday lender. Approval is simple, most lenders only require that you are 18 years or older, have a checking account and receive over $800 a month in income. There is no faxing needed! Since there is no credit check needed for a cash advance, the lender usually charges a finance fee for their services. The loan must be repaid in a timely manner to avoid additional charges.*

The application is brief; you will fill out some basic information including a bank account number for loan funds to be deposited now and later withdrawn for payback at the end of the term of the loan. It is necessary that the end date for the term of the loan coincide with your next paycheck so there is enough money for funds to be withdrawn and the loan terminated. However, you should be sure that you fully understand the lender's “Terms and Conditions” and “Privacy Policy” before your borrow and be sure to save all documentation from the lender. It is also wise to seek the help of a professional debt management counselor to avoid dependence on cash advance payday loans in the future!

  Cash Advance Questions

Does your company do credit checks?*
First Loan Trust does not do any kind of credit checks. Applicants are matched with a lender based on the fact that they are employed making at least $800 per month in take home pay, have an active bank account and are paid by direct deposit.

What do I need to qualify?
Most lenders will qualify you if you currently receive regular income of at least $800 in take home pay per month, are 18 years old, a US resident, and have a checking account with direct deposit. Other requirements may apply depending on the lender.

What if I have bad credit or no credit at all?
When banks, credit card companies, or finance companies say “No” – First Loan Trust lenders usually say “Yes!”

How much money can I be approved for?
You can borrow up to $1,000 before your next payday (based on your take home pay).

What types of fees are involved?
Lenders matched by First Loan Trust are very competitive with their fees. These short term loans can be expensive and are intended only for short terms needs. Make sure you read all of the Terms and understand all costs before accepting the loan.

How long will it take for you to get the money to me?
First Loan Trust works to match you with lenders and when approved, they will usually electronically deposit the money right into your bank account overnight – it’s that easy!

I don’t live in Canada or the USA, can I still apply?
Unfortunately, at this time, we only accept applicants from the United States and Canada.

What can I use my payday loan for?
Use your loan for whatever purpose you need. Use cash advances to pay for emergencies, pay off bills, anything you want to buy or just want to have some fun! Your short-term loan is for you to use as you wish.