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Frequently Asked Questions

About Us

If you're in need of further information about payday loans or submitting a loan request form, please review our website’s FAQs below. Our website offers an infomediary service that will attempt to connect you with independent, third party lenders and financial service providers who may secure a payday loan or cash advance for you. The operator of this website is not a lender, agent, or representative to any lender and does not make loan decisions.

What is a Payday Loan?

A payday loan or cash advance is a short term loan that is very useful for financial emergencies. Payday loans or cash advances are made for the purpose of assisting consumers with short-term financing to resolve immediate cash needs and should not be considered a long-term solution. The amount of money loan is based on the amount of money a person makes and is determined by your lender. It is perfect for people with all credit types.

What are the minimum requirements for getting a payday loan?

There are certain requirements one has to fulfill in order to receive a cash advance loan from a lender. Consumers must:

  • Be a United States Citizen and reside in a state where cash advances and payday loans are legal.
  • Be at least 18 years old.
  • Have a job that pays a certain amount of income.
  • Have direct deposit to a bank account.

What is the process of getting a payday loan or cash advance?

Completing a loan request is a simple process that can be done online. If approved by a lender, consumers usually get funds deposited into their account as soon as next business day.

What about my credit history?

Consumers with all credit types are welcomed to submit a loan request form. Consumers with bad credit history may get access to cash advances depending on certain lenders. However, our website makes no representation that all consumers will qualify.

How long does it take to get a loan?

Based on the information you affirmatively provide in your loan request form, our website may connect you with lenders in our reputable network within minutes if you qualify. Once you are connected with a lender directly, they will provide you with your loan offer and loan terms.

Will I need to print or fax anything?

Part of the advantage of these loans is that most of the participating lenders require no papers to be printed or faxed in order to request a loan. However, faxing may be required in some cases depending on the lender. It is important that you have a printer to print out the loan documents for your own records. We encourage you to reach out to your lender directly for more information.

How much does it cost?

Submitting a loan request form on our website is absolutely free. Please remember that we are not a lender and we do not provide lending services directly to consumers. Our website may receive payment for each qualified sale or payment for each potential customer referral. Any costs associated with specific loans must be discussed with your lender directly as our website does not have access to this information.

What is the repayment process?

Loan repayment processes differ depending on specific lenders and loans. Usually, the loan amount and loan fees are withdrawn from your checking account automatically on the due date of your loan by your lender. We encourage you to contact your lender directly with questions regarding your repayment process.

What happens if I am late on a payment or need to skip a payment?

Lenders have their own policies pertaining to late payments and these may differ. Your lender's policy, including the additional charges you will incur, is detailed in the loan documents provided to you by your lender before you sign your loan document. Once you have signed your lender’s loan documents, you will be expected to understand and abide by the loan terms including the additional charges and/or interest if your repayment is late. If you are not able to make the payments timely, please contact your lender directly for more information.

What if I don't make a payment at all?

Your lender may charge additional fees in the event that you do not repay your loan. Please remember that refusal or failure to pay may result in legal action against you by your lender in an attempt to collect the loan amount, interest, and costs of collections. For more information, we encourage you to reach out to your lender directly.

Is there an option to refinance an existing loan?

Loan renewal policies are largely governed by state law. In states where rollovers or extensions are allowed, interest rates, and late fees may be added to the original loan amount by your lender and that can result in a substantial increase to the amount you will be required to pay back. Again, be sure to read your loan agreement carefully and thoroughly before signing the initial loan contract. We encourage you to reach out to your lender directly for more information.

Is my personal information kept safe?

Our website is committed to keeping consumer information safe from unauthorized access and takes several precautions to protect your personal information. We use robust industry procedures and safeguards, including encryption, to protect personal information. Our Company will never sell or share your information with unaffiliated third-parties.

This is not a federal program and is unrelated to government stimulus.

*Consumer Notice: Payday loans or cash advances are made for the purpose of assisting consumers with short-term financing to resolve immediate cash needs and should not be considered a long-term solution. Submitting a loan request on this website does not guarantee that you will be connected with an independent lender or approved for a loan or cash advance. Loan terms, including loan amounts and transfer times for loans, vary among lenders and may be dependent upon the laws of the state in which you reside. If you are connected with a lender on our website, you may be directed to a third party website whose privacy practices and terms of use may significantly differ from our own. You are encouraged to read your lender’s privacy practices and terms of use. Consumers facing financial debt difficulties should seek advice from the appropriate professional before entering into any type of loan. You are encouraged to contact your lender directly for more information.

*The Operator of This Website is a for-profit advertising network. We receive compensation, in the form of referral fees, from the lenders, aggregators, or other offers that we direct you to. Therefore, the amount of compensation provided, along with other factors, may impact which offer you are presented. The offer you receive may be coming from the company that bid the most for your information. The operator of this website does not always provide you with an offer with the best rates or terms. Our website does not include all companies or all available offers. We encourage you to research all available loans options for your situation.

*Legal Disclaimer: Southside Lending™ is a marketing company and NOT A LENDER. Southside Lending™ does not make decisions about loans, advances or credit. This Website does not constitute an offer or solicitation for a loan. The operator of this Website is not an agent or representative of any loan company or credit institution, and does not endorse or charge users for any service or product. Repayment terms where applicable for certain offerings vary by lender. It is the user's responsibility to read all third party lender website disclaimers and offer restrictions before proceeding. Completing an application does not guarantee that you will qualify for a specific product. Rates and terms are provider-specific. Offer not available in all states. Southside Lending™ does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender even though we DO NOT WORK DIRECTLY with Tribal Lenders. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the rates and fees may be higher than state-licensed lenders and you may be required to agree to resolve any disputes in a tribal jurisdiction. Additionally, your information may be going to an aggregator and not a lender. Your information can be sold multiple times leading to multiple offers from lenders, aggregators, and other marketers. Providing your information on this Website does not guarantee that you will be approved for a cash advance. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $500. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Cash advances are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a cash advance based upon lender requirements.

Credit Check Disclaimer: Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders. By submitting your loan request, you are providing express written consent under the Fair Credit Reporting Act for each lender to whom we transmit your information to obtain, in response to your inquiry, a credit check or consumer report from a consumer reporting agency.  This credit check can include a hard pull, which may impact your credit score.

ANTI-SPAM POLICY: We strictly prohibit any reference or advertisement of our brand and web site using unsolicited email messages. Violation of this policy will cause partnership termination and further actions permitted by the law. If you feel you have been sent unsolicited messages promoting our brand or website and would like to register a complaint, please refer to our Privacy Policy. We will investigate all complaints and take necessary action.

Availability: Residents of some states may not qualify for loans provided by the lenders and third-parties they are connected with on this website. Our website makes no warranties, guarantees, or representations that you will qualify for any third party lender services by using our website. The services provided on this website are void where prohibited. Offer may not be available in AR, CT, GA, ME, MN, NH, NJ, NY, OR, SD, VT, WA and WV.

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*Consumer Notice: Payday loans or cash advances are made for the purpose of assisting consumers with short-term financing to resolve immediate cash needs and should not be considered a long-term solution. Submitting a loan request on this website does not guarantee that you will be connected with an independent lender or approved for a loan or cash advance. Loan terms, including loan amounts and transfer times for loans, vary among lenders and may be dependent upon the laws of the state in which you reside. If you are connected with a lender on our website, you may be directed to a third party website whose privacy practices and terms of use may significantly differ from our own. You are encouraged to read your lender’s privacy practices and terms of use. Consumers facing financial debt difficulties should seek advice from the appropriate professional before entering into any type of loan. You are encouraged to contact your lender directly for more information.

*The Operator of This Website is a for-profit advertising network. We receive compensation, in the form of referral fees, from the lenders, aggregators, or other offers that we direct you to. Therefore, the amount of compensation provided, along with other factors, may impact which offer you are presented. The offer you receive may be coming from the company that bid the most for your information. The operator of this website does not always provide you with an offer with the best rates or terms. Our website does not include all companies or all available offers. We encourage you to research all available loans options for your situation.

*Legal Disclaimer: Southside Lending™ is a marketing company and NOT A LENDER. Southside Lending™ does not make decisions about loans, advances or credit. This Website does not constitute an offer or solicitation for a loan. The operator of this Website is not an agent or representative of any loan company or credit institution, and does not endorse or charge users for any service or product. Repayment terms where applicable for certain offerings vary by lender. It is the user's responsibility to read all third party lender website disclaimers and offer restrictions before proceeding. Completing an application does not guarantee that you will qualify for a specific product. Rates and terms are provider-specific. Offer not available in all states. Southside Lending™ does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender even though we DO NOT WORK DIRECTLY with Tribal Lenders. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the rates and fees may be higher than state-licensed lenders and you may be required to agree to resolve any disputes in a tribal jurisdiction. Additionally, your information may be going to an aggregator and not a lender. Your information can be sold multiple times leading to multiple offers from lenders, aggregators, and other marketers. Providing your information on this Website does not guarantee that you will be approved for a cash advance. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $500. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Cash advances are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a cash advance based upon lender requirements.

Credit Check Disclaimer: Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders. By submitting your loan request, you are providing express written consent under the Fair Credit Reporting Act for each lender to whom we transmit your information to obtain, in response to your inquiry, a credit check or consumer report from a consumer reporting agency.  This credit check can include a hard pull, which may impact your credit score.

ANTI-SPAM POLICY: We strictly prohibit any reference or advertisement of our brand and web site using unsolicited email messages. Violation of this policy will cause partnership termination and further actions permitted by the law. If you feel you have been sent unsolicited messages promoting our brand or website and would like to register a complaint, please refer to our Privacy Policy. We will investigate all complaints and take necessary action.

Availability: Residents of some states may not qualify for loans provided by the lenders and third-parties they are connected with on this website. Our website makes no warranties, guarantees, or representations that you will qualify for any third party lender services by using our website. The services provided on this website are void where prohibited. Offer may not be available in AR, CT, GA, ME, MN, NH, NJ, NY, OR, SD, VT, WA and WV.