If you are considering a Payday America loan, you should first know that’s it’s only available in five different states. These include North and South Dakota, Minnesota, and finally Wisconsin. If and when, you decide to use this service you will have two different options available to you. You can use your own personal checking account or even having the company set up an account for you.

Whether it’s a 1 hour payday loan or 30 day payday loans, you will be required to fill out a simple form in order to get you started. The best part is that you will not have to have a credit check. This is great for many people that need cash but they have a low credit score. Once you have been approved you will be able to ask for $50.00 to $500.00.

There are a few things that you will need when you do apply. You need to be aware of these things so that you can take them with you when you go. Be sure that you have taken an ID card that has a photo and was issued by your state. Also, take a social security card with you because they may want a copy of it. It might be a good idea to take your personal checks so that they will have access to your account information if they need it. Take a copy of your statement as well. Finally, gather up at least two of your last payments from your place of employment because you will need them as well.

This entire process is very quick as long as you have all of the information that they need to get you set up and processed. The average time is approximately 10 minutes. Maybe this is why many people decide to use it.
Because Payday America is available in a few different states, you may want to spend some time researching what you need to do in order to apply for a loan within the state that you are located. This is because each state may have different requirements that you will need to follow. Taking the time to research this quickly in advance can help you succeed in securing a loan much faster.

Finally, there will be interest charges applied to the amount of money that you have asked for. If you are taking a loan for $100.00 your interest will be $10.00. You will add $10.00 for every one hundred that you borrow. Knowing this in advance will make your experience with Payday America much more satisfying when you go in to apply for a loan.