Frequently Asked Questions

www.4instantcashloans.com is a matching service which submits your inquiry to its network of lenders. There is no cost for submitting an inquiry. The fees and rates are quoted directly by the lender which is matched to your profile. www.4instantcashloans.com is not a lender and will not provide you or anyone else with lending services.

It is understandable for new customers to have questions about www.4instantcashloans.com which is why we have compiled the most common questions into this FAQ. If you have any question not answered in this FAQ we'll be glad to answer them. All you've got to do is to contact us and allow some time to receive an email response.

Any questions pertaining to loan payments, application status and extensions etc need to be directed to the lender to whom you submitted your application to. Once your application has been submitted on the lender's website you'll receive the lender's contact info.

  1. What Exactly Is A Payday Loan or Cash Advance?
  2. How Easy Is It To Get A Payday Loan or Cash Advance?
  3. How Much Money Can You Qualify For?
  4. How Will You Get The Money?
  5. Is It Possible To Get A Loan If You Have Bad Credit?
  6. How Long Does The Process Take?
  7. Will You Need A Printer or Fax Machine?
  8. What’s The Fee To Using The Site?
  9. Can You Still Qualify Even With Another Cash Advance Loan Active?
  10. How and When Do You Start Paying The Loan Back?
  11. What Happens If You’re Late Paying Back The Loan?
  12. Is Your Private Information Protected?
  13. What Does The Return Customer Feature DO?
  14. When Are You Eligible To Ask For Another Loan?
  15. Are You Able To Learn The Loan Status Using The Customer ID and Password?
  16. How Can You Change/Update Personal Information?
  17. Can You Attain Extensions On Loans and How Often?
  18. How Can You Apply For A Loan Extension?
  19. What If You’re Unable To Pay Back The Loan?
  20. Where Can You Find Answers About A Loan You Already Have?
  1. What Exactly Is A Payday Loan or Cash Advance?

    A payday loan is a short-term loan to assist you until you get paid again. The amount ranges from $100 to $999, but there are several lenders that will loan more than this.

  2. How Easy Is It To Get A Payday Loan or Cash Advance?

    The process of getting approved for a cash advance or payday loan is very easy. You just need to prove four things:

    • Have been employed at the same job for 90 days
    • You’re at least 18 years old and are a U.S. citizen
    • Your take home pay is a minimum of $1000 a month after taxes
    • You have a home and work number as well as a valid email address
  3. How Much Money Can You Qualify For?

    You can be approved for up to $999 (some lenders approve the amount for more). The amount you can get is determined by the lender where your application was submitted.

  4. How Will You Get The Money?

    Once the approval for your cash advance comes through, the funds are electronically deposited into your checking account.

  5. Is It Possible To Get A Loan If You Have Bad Credit?

    It is possible to get money even if your credit rating is bad. Charge-offs, bankruptcy, bounced checks and other credit problems don’t stop your chance of attaining a payday loan or cash advance.

  6. How Long Does The Process Take?

    It takes just five minutes to fill the application out, with loans being funded the next business day.

  7. Will You Need A Printer or Fax Machine?

    There’s no reason to have a fax machine or printer to use 4InstantCashLoans.com. Some lenders may ask that you fax them copies of a recent bank statement or pay stub. Consumers are advised to print out their loan contract for their records, but it’s not a necessity to attain a loan. In the event you need to fax or print something, there are several stores that offer these services – Office Depot, Kinkos, Staples, Office Max, etc.

  8. What’s The Fee To Using The Site?

    4InstantCashLoans is free to use. Lenders will provide their loan terms and conditions, which you can review for no fee or obligation. You do not pay anything until you agree and sign the contract document with the lender of your choice. The loan fees are dependent upon the amount your payday loan or cash advance is. You’ll be made aware of the fee amount when you turn in the application.Bear in mind that cash advance loans were created to help in emergency situations and are less expensive than late charges, check fees, etc. that can occur from late payments.

  9. Can You Still Qualify Even With Another Cash Advance Loan Active?

    It is possible to get another cash advance loan, but that’s dependent on the state you live in. There are several states that do not let consumers have more than one outstanding loan. Plus, lenders will review third-party bureaus to see if the consumer has an outstanding loan.

  10. How and When Do You Start Paying The Loan Back?

    The fees and amount you pay per the agreement will be deducted automatically from the checking account the money went into. There’s no need to visit a store or make payments. If you need an extension, be sure to notify the lender before the loan’s due date. Loan extensions do come with more fees.

  11. What Happens If You’re Late Paying Back The Loan?

    4InstantCashloans cash advance lenders have their own late payment policies. Consumers are advised to read the late payment policy stated in the lender’s loan documents before agreeing to the loan. The signing of this loan agreement document means you agree to the lender’s terms and conditions including late payment penalties. State laws also dictate how much lenders may charge in penalties.

  12. Is Your Private Information Protected?

    Yes, all your information is protected by advanced security technology, using the SSL security code. You can learn more by reading the privacy policy on the 4InstantCashloans website.

  13. What Does The Return Customer Feature DO?

    The Return Customer feature makes it easy for returning customers to send in another application and be matched with a lender that can assist them. All you have to do is find the Return Customer Login on the homepage. Type in your Customer ID and Password you attained for the first application. The next application form will be completely filled out. Look over the information to ensure everything is correct, update the pay dates and turn the application. It’s just that simple. Make sure your Customer ID and Password are kept in a safe location so that you can access the service anytime you need it.

  14. Is an extension possible on repaying my loan? And how many extensions can I get?

    The state laws on this differ and dictate if a lender can grant you an extension often referred to as a 'rollover'. While some states allow for multiple rollovers, others do not allow it at all. You should ask your lender about anything concerning rollovers / extensions. Also make sure to contact your lender with an extension request prior to the due date of your payment. If you do not do it in time the lender will charge you additional fee and ask for immediate payment of the remaining balance. Also additional fees and other charges may be levied on you if you default.

  15. When Are You Eligible To Ask For Another Loan?

    Applying for another loan can be done immediately, but it’s best to talk to the 4InstantCashLoans support service to get help. It’s still a free application regardless of the number of times you apply. If you’re approved for a loan already, make this information clear on the new application.

  16. How Can You Change/Update Personal Information?

    Your customer ID and password will only allow you to fill out your next loan application. If you want to learn about your application status, you must reach out to the lender. The details will be in the email you received after you submitted the application. Lender regulations hinder the assigned lender from providing 4InstantCashLoans.com with any information about the loan processing and approval.

  17. Can You Attain Extensions On Loans and How Often?

    State law dictates whether or not a lender is allowed to grant loan extensions (also called rollovers). While some states will permit multiple rollovers, there are some states that prohibit it completely. You’ll need to talk to your lender about the matter, and it must be done before the loan’s due date. If late, the lender has the right to charge a late-payment fee and ask for immediate payment on the balance remaining. If you go into default, you could face even more fees, as laid out in the contract or as the law permits.

  18. How Can You Apply For A Loan Extension?

    There are certain instances where lenders can provide an extension for a short-term loan. However, the approval is given by the lender, not 4InstantCashLoans.com. All extensions requests need to be made with the lender.

  19. What If You’re Unable To Pay Back The Loan?

    TIt’s imperative you reach out to the lender regarding repayment problems to come up with a solution that works for both of you. Failure to pay back the loan will result in penalties and fees.

  20. Where Can You Find Answers About A Loan You Already Have?

    It’s important you understand that 4InstantCashLoans is not a lender, financial institution or bank. It’s not an agent, broker or representative to lenders either. The website helps consumers reach out to payday lenders for a loan. For information about a loan or questions about the process, it’s important to talk to the lender. The lender can help you understand the process and deal with loan problems you may have. The approval email will have lender and loan information for you to review. Do you have additional questions about the payday loan or cash advance process? Hit the Contact us button at 4InstantCashLoans.com. Detail your concerns. All inquiries are typically answered within 48 hours.

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Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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