Once your application approved, your money will be either wired into your checking account that same day or electronically deposited the following business day. Your due date for repayment is based on your payday. When you come due, you can either pay off the balance of the loan in full or any amount equal to or greater than your minimum payment. All payments are submitted online and are automatically withdrawn from your bank account on your due date; all you need to do is choose the amount you would like to pay. There is never a need for you to ever leave the privacy of your home or office.
Most of our payday loans are approved within 24 business hours, but how long it takes to get your cash advance depends on how you would like to receive the money. If you’ve opted for direct bank deposit, also known as ACH, it will take one business day for the money to appear in your checking account. If you apply prior to the 2:00 PM EST processing deadline, funds could be available to you tomorrow! If our Same Day Cash program is running and you’ve selected same day cash (wire transfer of funds) and have completed the application process before 12:00 PM EST, you could have the money same day! A reminder – we do not operate on the weekends or national holidays.
The time of day that you’ll see your money has more to do with your bank than with our bank transfer. Some banks will post deposit immediately, while wait until 8:00 PM (their local time) to show the transaction in your account. You should check with your bank about their policy for such transfers, and their posting schedule for incoming ACH and wire transfer deposits.
Our hours of operation are Monday through Friday, 9:00 AM to 5:00 PM Eastern Standard Time (EST). We are closed for all Federal holidays. Our website is open and accepting applications 24-hours a day, every day of the year. We will notify you via email or phone call with your application status.
In order to get a payday loan with All American Payday Loans, all you need are the following: • – Be at least 18 years of age or older. • – Have no more than one other outstanding payday loan. • – Have a checking account open for at least three months, with no bounced checks or overdrafts. • – A job making at least $1,000 per month.
A payday loan is a short-term loan designed to help you in times of financial emergency. All payday loans, cash advances, and paycheck advances should be paid back quickly, and not extended for any longer than absolutely necessary. The best practice is to repay the loan in full as quickly as possible. What if I need to fax you something and don’t have my own fax machine? If you do not have access to a fax machine, you may scan and email any required document as an attachment. In some cases, you can also just take a picture of the document with your smart phone and send it that way! If you don’t have a smart phone or a scanner, you can visit a local Kinkos or UPS Store in order to send your fax.
Our fax number is . If you don’t have a fax machine, that’s OK! At All American Payday Loans, we typically don’t require any faxed documents, and if you do need to send us something, you also have the more convenient option of scanning and emailing whatever you need to send!
When you apply for a loan from a bank, one of the first things they do is check your credit history and score with the three major credit bureaus. All American Payday Loans is a direct lender, but we are not a bank. So, good credit, bad credit, or no credit – we can still process and approve your loan application in minutes!
We will give you a call as soon as your loan application is approved. But, in order for us to initiate the transfer of funds to your account, we must speak to you directly. So, please make sure that you provide the most accurate contact information as possible!
The payment request deadline is 2:00 PM EST the business day before you are due. Be sure to submit your payment request any time before this deadline and let us know exactly how much money should be deducted from your account on your upcoming due date.
Your due date is based on your payday, and that is the date the funds will be withdrawn from your bank account. However, the deadline to submit a payment request is 2:00 PM EST the business day before you are due. You are free to make your payment request anytime before the deadline – and remember, no matter how early you make the request, no money will be taken from your account until your due date. In the case of certain holidays, our payment request deadline may be a little earlier – we will always let you know in advance.