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What exactly is a payday loan?
A payday loan is a small unsecured loan, usually for $100 to $1,500, which is designed to meet your financial needs
until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held
until your next payday.
Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.
Dqry.com is here to help you find a payday loan
lender. We present your completed application to our vast network of lenders and allow them to compete for your
business. By searching for a payday loan through Dqry.com, you can be sure that your application has been reviewed
by the leaders in the payday loan industry.
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What are the requirements for a loan?
The minimum requirements for a payday loan
are:
- You must be at least 18 years of age
- Have a job (or other regular source of income)
- You must have an active open bank account
To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your application and determine whether you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.
Once you submit your completed loan application, you will be connected instantly with a payday lender, who will evaluate your information. Your assigned lender may contact you directly and ask for additional information in order to approve the application. Payday lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your application matches their criteria.
In order to increase your chances of getting matched with a lender and ultimately approved for a loan, please be sure to fill out our application with honest verifiable information. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified.
We do our best to find a lender for you, but unfortunately there's no
guarantee that your loan application will be accepted.
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How do I get a payday loan?
Simply complete the online application and
submit it from our web site and you will be connected to a lender online within seconds.
Once you are matched with a lender, you may be a required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and apply again to find a different lender.
Typically the proceeds of your loan will be electronically deposited into your bank account
the next business day. You will typically have the ability to choose the payment option that works best for you. All
payments are made by electronic transfer from your bank account.
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How long do I have to pay back the loan?
Your loan is
normally due on your next pay date. However, most lenders will allow you to extend your loan by paying a fee.
Once matched with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due. You typically have the following options:
- Do nothing and your loan will auto-finance
- Pay off the loan in full
- Renew the loan and pay interest and fees only
- Renew the loan and pay interest and part of the principal
Please contact your lender directly if you
have repayment questions.
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How do I receive my cash?
The payday loan / cash advance is wired directly into your
bank account by your lender. Dqry works with a network of lenders, some of which can have money in your bank
account in as little as 1 hour!
How quickly can I get my
money?
Payday lenders typically process the loan immediately so that it will be available in your account
the following business day after the loan is approved. Some lenders can wire the money to your bank account
immediately. If you apply on a weekend or holiday, the money will be sent to you by your lender the next business
day.
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What hours is your
service available?
We accept applications 24 hours a day, every day of the year.
However, once your application is provided to a lender, sometimes its procedures require additional verification which can only be done during normal business hours. Please keep in mind that the lenders can only electronically deposit money to your bank account on days when your bank is open.
You can submit your loan application to us at any time 24 hours a
day 7 days a week. However, since we only match you with lenders who are available to help you in real time you may
be more likely to find a lender during normal business hours (Mon-Fri 8 am – 5 pm EST) since not all lenders operate
on weekends and holidays.
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How do bank holidays affect my loan?
The following bank holidays are observed by
Federal Banks and their branches:
New Years Day
Martin Luther King, Jr. Day
Presidents Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving
Day
Christmas Day
For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.
If your loan is approved on a weekend or bank holiday, your funds will be sent the next business day. You
should contact the lender directly to confirm when the money will be deposited and the ACH department of your bank
to verify that the funds have been credited to your account.
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How much money can I have advanced to me?
Dqry.com will
help you get up to $1,500, based upon the information that you provide to us on the loan application. Your lender may
offer you a smaller loan until you establish a payment history with them.
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What are the loan fees for the cash advance?
Dqry.com
works with a network of lenders whose cash advance fees are among the lowest in the payday loan industry. The fees
will vary depending on which lender you are matched with.
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What if I do not get approved by the lender you matched me
with?
While we have the largest network of qualified payday lenders on the internet, we cannot guarantee
that you will receive the loan you need. We do our best to match your application with a lender likely to provide you with
a loan. However, payday lenders utilize proprietary criteria to evaluate applicants and may not approve all accepted
applicants.
Dqry.com is not involved in the loan approval process and therefore we do not have knowledge of the status of your loan. Please contact your lender directly for loan approval status.
If you do not get approved for a
loan with the lender you were assigned to, you may re-apply by going to the Returning Customers link on this website.
We will attempt to match you with another lender.
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What if my application is not matched with a lender?
While we have
the largest network of qualified payday lenders on the internet, we cannot guarantee that we can find a lender for you. If
you are not matched with a lender, here are a few suggestions to improve your chances if you chose to re-apply:
- Time of Day: Many lenders do not accept applications outside of normal business hours. You may want to re-apply during regular business hours – Monday through Friday 8 AM to 5 PM EST.
- Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and re-apply.
- Outstanding Payday Loans: Many lenders will not issue payday loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and re-apply.
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What
if I only have a savings account?
We have several lenders in our network that can lend you money even
if you only have a savings account. Please contact your bank to get the routing number. This is needed in order to
electronically transfer the loan funds to your account.
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What if I have a fixed income or benefits?
As long as you have a
steady stream of income, our lenders can provide a loan to you. Enter your benefit provider as your Employer. If you
do not have the telephone number of your benefit provider, enter your own telephone number. Enter the number of
months you have been receiving benefits for the Months Employed.
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What if I do not have a driver’s license or state
ID?
If you do not have a driver’s license or a state ID, please enter your passport number or social
security number.
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Does your company do credit checks?
Dqry.com is not a lender and we do not
perform any type of credit check. We try to match your application to lenders in our network in order to find the right
loan for you. Most of our lenders do not do traditional credit checks, however, they may query various consumer
databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your past payday loan
history.
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Is this site
secure?
You can submit your application securely by clicking "Secure Application".
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Do I need to fax any
information?
No, the application process does not require faxed documents. However, your lender may
ask you to fax over certain information, such as a paystub, if they are unable to verify information in your
application.
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I am ready to get a
payday loan / cash advance! Where do I go to apply?
Great! You can go to our online loan
application and sign up today!
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