877-257-9586

Frequently Asked Questions

1) How Long do I Have to Pay Off My Cash Advance/Payday Loan?
Typically lenders will set-up your payday loan to be paid off in two weeks to approximately one month from you loan acceptance date, depending on how often and when you get paid by your employer. Cash Advances are meant to be short-term loans and are NOT cost-effective for people looking for longer payback periods.

2) What If I Currently Have a Payday Loan and Need to Pushback My Due Date?
If you need more time to payback your loan, we recommend you call your lender directly to discuss various extension and payment options. Most of our lenders will work with you to create a payback plan that you can afford; however if you DO extend your loan past the original due date, you will most likely incur additional costs. Also, some states DO NOT allow extensions on payday loans. For more info visit the Rates & Terms website page of your lender.

3) When Will I Get Notice if My Loan has Been Approved?
At HourAdvance.com, you will be approved for YOUR loan in LESS THAN 90 seconds. Once approved, you will be directed to the lender's website. If you are not directly connected to a lender website, check your email for loan approval confirmation and follow the instructions to accept you loan.

4) Does Having Bad Credit Hurt My Chances of Being Approved for a Payday Loan?
NO! Traditional credit scores are not calculated when a lender is deciding whether or not to approve a loan. Approval is based on a number of other factors: such as, income level and short-term debt to income ratio. 4 out of 5 of ALL applicants are approved at HourAdvance.com, so APPLY NOW!

5) How Much Money Can I Get From a Cash Advance?
Loan amount are ALWAYS up to the discretion of the lender. We see people approved for loans from anywhere from $250 to $1,000, for their first payday loan, but this isn't typical for most payday loan borrowers. However, we do have lenders that can extend that amount.

6) How Long Will it Take for Me to Get My Funds?
After you have accepted the loan offer, most lenders will have the money in your account by the morning of the next business day. However, some of our lenders can wire your funds directly into your bank account in as fast as ONE hour.

7) Its My Loan Due Date and I Don't Have Enough Money to Pay Off My Loan! What are My Options?
If you have already accepted a payday loan, we recommend that you contact your lender immediately and apply for an extension. Extensions are not available in every state so review your contract terms for more information and remember if you do extend your loan you will incur additional costs and you may have to pay off the interest on your original loan before a lender will grant you an extension.

8) Can I Get More than One Payday Loans?
Yes you can; however we recommend you ONLY take out one loan at a time. If you have already successfully paid back your original payday loan feel free to apply for another via HourAdvance.com; however we recommend you reserve payday loans to be only used in an emergency and not used as a line of credit.

9) Why Wasn't I Approved for a Higher Loan Amount?
At HourAdvance.com, we will ALWAYS search for the highest loan amount automatically. However, most of our lenders will typically only extend loans up to $500 your first time. Some people choose to apply for additional loans but it is NOT recommended to take out more than one payday loan at a time.

10) Why Do You Need My Social Security and Banking Information?
In order for our lenders to ensure fast, accurate and successful approval and loan wire transfer, they must have access to all of the information requested; including confidential data like your social security and banking information. This is for your protection to verify that the person requesting the loan is in fact you. See our Safe and Secure Protection Guarantee.

Our Safe and Secure Protection

HourAdvance.com RESPECTS and PROTECTS your privacy. Not only do we protect our customers' valuable information, even if you submit an application, we will confidentially verify the accuracy and encrypt all information to make sure it is protected from any outside harm. We use sophisticated and reliable technology to ensure the safe, secure, online transfer of your data and our above industry standard protocols make certain that your personal information is completely protected.
ABOUT SSL CERTIFICATES  
HourAdvance offers simple easy short term loans with no Faxing Required. Apply today and get a bigger payday Loan. You can use our cash advance loans to catch up on bills and avoid costly NSF and late fees.
Our program is automated, instant and fast. Offering up to $0 Cash** in as fast as 1 Hour!
Requested Amount