Frequently Asked Questions
Find answers to some of the most popular questions we receive!
  • What is a Payday Loan?
    A payday loan is an unsecured loan that is quick, easy and convenient. They are designed to provide immediate funds for qualified borrowers to address any short term financial needs.
  • What are the requirements needed to qualify for a payday loan?
    Qualifying is easy! To be approved, you simply need to meet some basic requirements like:
    • You must be 18 years or older to apply
    • You must have an income
    • You must have an active bank account
    • You must be a resident of the U.S.
    Some lenders may require additional information based on their approval criteria.
  • How much can I get approved for?
    Approval amounts vary depending on your application information provided. Some of the lenders lend up to $5,000, but typically for first time borrowers the loan amounts are lower. Returning customers have a better chance of getting approved for higher amounts based on their repayment history.
  • How much will a loan cost?
    The cost of a payday loan varies based mainly on an individual's eligibility for a loan. Once you have been approved for a loan, the lender will provide you with the loan amount, rate and repayment terms. No loan is final until you accept the terms.
  • Can you tell me specific interest rates?
    Around the Clock Cash is a lender marketplace and is not a direct lender. Interest rates and other information will be given to you before you sign for your loan. Please read over this information before you sign for your loan.
  • Is applying for a loan free?
    YES! Using this service to find an online lender is and always will remain free. You will never be charged for using the service to find a lender for your needs.
  • How quickly can I receive my money?
    In most cases the lenders will have your money avaliable the next business day.
  • When do I repay the money?
    Repayment depends on the lender. Please see the loan terms and conditions before you sign for your loan.
  • Can I get a loan with bad credit?
    The answer is YES! Lenders specialize in lending to all credit types. As long as you meet the lender's loan requirements then you are eligible for a loan.
  • How will I know if I have been approved for the loan?
    After finding a lender in the marketplace, you will then be redirected to the lender’s loan agreement page where you will be provided the loan agreement, terms and borrowing rates. Once you have read through the agreement and agree to the terms, the last step will be to electronically sign.
Trust Around the Clock Cash
Loans from $100 to $5,000
I'd like to borrow:
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Most DO NOT qualify for loans over $1,000.