Loan Application Questions

  • Do you lend for any purpose?
  • How do i know if I 'have approved or not?
  • Can I apply over the phone?
  • When will I receive my funds?
  • Do I need to send documents to you?
  • What are the loan requirements?
  • How much can I borrow?
  • If I have bad credit, can I apply for loan?
  • Why do you need bank account?

Yes, we provide loan services for any short term and emergency problems. Please, select the loan as per your current financial requirements.

You will receive an email notification into your email address mentioning about your application status. So make sure that your email address is correct.

No sorry. Currently we are not accepting the loan applications by phone. However, you can use our quick and simple online application form to apply for a loan.

The total time of receiving funds are depends upon your time of application. Once your loan application is approved, you will get a confirmation email related to your loan approval status. Most of our customer successfully gets their money within 15 minutes.

No, but sometimes proof-of-income is needed if you receive:

  • If you receive alimony
  • If you receive disability benefits
  • If you receive social security benefits

You can show your government benefits letter or statement as a proof of income.

In order to make a successful loan application, you must meet the following criteria:

  • Must be a residential of the USA.
  • Must have at least 18 years old or above.
  • Have a regular source of income or living on government benefits like Social Security, Disability, etc.
  • Having a valid saving or checking account.

Once you apply at, you can easily get from $100 up to $5000. We advise you take loan as per your current financial strength and ability to repay.

Yes, Payday wish always welcome all types credit profile borrowers.

Yours banking information help our lenders to assure that they can make a direct deposit into your bank account. You can easily payback your loan by using the same bank account.

Loan Repayment Questions

  • What if I can't payback my loan or default on it?
  • Can I repay my loan early or make additional payments?
  • How can I repay my loan?

For any reason, if you feel that you can't able to afford your loan, or miss the payments; you have to immediately discuss this issue with your lender to find the best solution.

Yes, Payday Wish always thinks about the convenience of customers. Our lenders do not charge penalty or extra charge on it.

We make the loan repayment method very convenient and easy for our customers. The best and most preferred to make payments is through electronic fund transfer (EFT). For onetime payment, we accept debit or EFT.

Credit and Credit Reporting Questions

  • Will my credit score affected?
  • Can I apply with bad credit history?
  • Do you report payment history to the major credit bureaus?

When you apply for a loan through Payday Wish, we take your credit report just to provide best loan offers. This known as soft credit check with not impact your FICO® credit score.

Yes, you can apply for loan with us. Our lenders do not judge loan request on basis of credit score, if you have the potential to afford your loan, you can apply for it.

No, taking loan from us never show any sign or report to the major credit bureaus like —Transunion, Experian, and Equifax.

Some General Questions

  • What is your Privacy Policy?
  • What happen if my loan is deposited into wrong bank account?
  • Why you calling my friends and family?
  • What are the fees associated with your loan?

You can read our full Privacy Policy here

If you mistakenly provide wrong bank information and we deposit funds on it then it takes 5-7 business days to get back funds to us. We can't redeposit the funds until we get back the money.

If we're calling to your friends or family members, it means we can't able to reach to you and trying to contact you to discuss about your loan status. We do not discuss about your loan to third-party and keep the information as a top-secret.

There are no hidden fees, penalties or extra charges associated with our loan. You just need to pay your interest rates once got loan.