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ClickNGoloans.com provides a marketplace service where your loan request is submitted to a network of reputable lenders. Our service is always free — there is never a cost to you for submitting an inquiry. Your lender will have its own rates and fees that will be provided to you before you accept the loan. ClickNGoloans.com is not a lender and does not make credit decisions.

New customers may have questions about ClickNGoloans.com, which is why we have compiled the most common questions below. If you have a question that is not answered here, we are happy to answer your questions. Just complete the form on the Contact Us page and we will get back to you quickly.

If you have questions regarding a loan inquiry, approval, funded loan, payments or any other question about a particular loan, please contact your lender directly. If you received a loan, you should already have the lender’s contact information. Since we are not the lender, we cannot answer questions about pending or approved loans.

What is a payday loan?

Payday loans are online loans that can range between $100 and $1000, and can be used for a wide range of expenses including emergencies. How much you can borrow will depend on several factors including your income, and the laws and regulations of your state. Payday loans are also referred to as signature loans or unsecured loans, because collateral is not required for you to obtain funding. Payday loans are a quick and convenient way to get the funding you need in a short amount of time. You can request a payday loan from ClickNGoloans.com from anywhere using any device.

Because a signature loan or unsecured loan is not guaranteed by any collateral, they are a higher risk for lenders, and as such, typically have higher interest rates than secured loans.

What are the qualifications?

The qualifications for payday loan funding vary from lender to lender and state to state, depending on lending regulations. However, there are some basic requirements for payday loan funding that you must meet in order to qualify. You must have valid identification, regular income, and a bank account. You do not need to have excellent or good credit to qualify for a payday loan. However, the higher your income, and the better your credit score, the more likely you are to be approved for a payday loan.

When in doubt, you can simply complete our online request form, and get an answer instantly. If you’re approved, you'll be redirected to your lender's website automatically.

How much money can I borrow?

Customers can borrow anywhere from $100 to $1000 using ClickNGoloans.com. ClickNGoloans.com is not a direct lender, and cannot determine how much funding you receive. Your loan amount is determined by the lender based on your individual creditworthiness, including income, employment information, as well as other factors. We work directly with payday loan lenders as well as other networks and advertisers across the country to help you with the funds they need, and to provide healthy competition for your business.

If you don’t qualify for a traditional payday loan, we may also offer you short-term credit products up to $1,500, which are best used for emergencies.

How much will it cost?

There are several factors that will determine the ultimate cost associated with obtaining a payday loan. ClickNGoloans.com does not charge a fee to use this website, and does not determine the costs. All the details and terms of your loan will be made available to you by the chosen lenders before you accept the offer. Some of the things that may affect the cost of a loan include the APR, the finance charges, whether the loan is paid on time, state regulations and more. It is important for you to review all of this information very carefully before you accept a loan to ensure you are not surprised with any charges in the future.

What if I have questions about the lender’s proposed terms?

Before you provide your signature and accept a loan, you will be provided with the terms and conditions associated with your loan. If you do not agree with any part of these terms, or if something is unclear to you, we urge you to not accept the loan before contacting the lender for clarification. ClickNGoloans.com cannot provide you with this information, because we are not a direct payday loan lender. After you have received your answer, you can make a decision about whether or not to accept the loan offer. By providing your electronic signature, you are entering into a legally binding agreement and must adhere to the repayment terms set forth by the lender.

How do I request a payday loan?

To request a payday loan with ClickNGoloans.com, simply complete our short web form. The only information we request, is information lenders need to make a decision. The form only takes a few minutes to fill out, and is submitted electronically. Once submitted, your loan request is forwarded to our network of many lenders for review. Before choosing a lending offer, visit the lender’s website to read the terms of your loan. After you have agreed to the terms, you will be asked to provide your electronic signature. Once your lender receives your signature, your funds will be deposited into your bank account as soon as the next business day.

How will I repay my loan?

Like the rates and fees associated with your loan, the repayment method will also be established by the lender you choose. In most cases, the lender will automatically withdraw the amount of the loan plus any agreed upon rates and fees from your bank account on a pre-arranged date. You only need to ensure that the required amount of money is available in your bank account on the scheduled repayment date so you don’t incur any late fees. Other payment options are also available per lender. If you are unable to do this, you should contact your lender directly for more information about late payment fees.

What if I am unable to repay my loan?

ClickNGoloans.com strongly suggests that you do not take out a payday loan if you are unsure of your ability to repay that loan. While the lenders within our network cannot press criminal charges against you for failure to repay your loan, you will still be subjected to collection efforts including but not limited to legal action. An inability to repay your loan will undoubtedly result in collection calls, but our lenders are required to follow the Fair Debt Collection guidelines. Keep in mind that interest will continue to accrue on your loan for the entire time that it remains unpaid. Never borrow more money than you can afford to repay, and always ensure that the funds required to repay your loan are available in your bank account on the specified repayment date.

What if I have questions about my loan?

If you should have any questions or concerns about your loan, these should be addressed with your lender directly. ClickNGoloans.com is not a direct lender, and therefore has absolutely no access to your loan information, the amount you are being charged or your repayment history. You should receive direct communication from your lender that includes the telephone number and website at which your lender may be contacted. If for any reason you are dissatisfied with your lender, or believe that you have been treated unfairly in any way, ClickNGoloans.com provides links to various government agencies on our website. You are encouraged to speak with these agencies for advice on how to obtain issue resolution.

Why was my request for a payday loan denied?

While ClickNGoloans.com has a high success rate when it comes to connecting consumers with payday loan lenders, there are some situations in which you may be denied for a loan. Our lenders cannot provide you with money if you are currently in bankruptcy or if you do not meet the criteria for obtaining a payday loan. If you feel that you have been discriminated against by any lender, or feel that they have refused to loan you money for any reason that is not strictly financial, you can report your lender to the authorities.

Can I request the same lender in the future?

If you have used a lender you found through ClickNGoloans.com in the past and would like to use that same lender again, you can do so by visiting that lender’s website. Using the same lender for payday loan funding is a great way to build a strong business relationship, and may help you become eligible for larger loan amounts with lower interest rates in the future. Unfortunately, ClickNGoloans.com does not store any information about lenders you have worked with in the past, so if you no longer have the communications from these lenders, we cannot provide you with this information. While you can submit a request for funding online at ClickNGoloans.com any time, for free, we ask that you wait 72 hours between requests.

How do I know if I've been approved?

Once you've submitted your request, we'll send your information to our network of lenders to try and connect you with a lender.

If you are connected with a lender, you'll be redirected to their website automatically. If we can't find a lender able to meet your needs, we'll redirect you to additional credit products that may be able to help improve your financial situation. Either way, you'll be redirected toward a trusted partner, whatever your financial circumstances.

Why can't you quote exact rates and terms of my loan?

ClickNGoloans.com is a loan-finding service, not a direct lender. We provide a loan finding service by connecting people looking for loans with lenders. Because we work with many lenders and not just one, we can't provide the exact rates and terms of your loan. Each lender has different policies, and rates and terms. The actual terms of your loan will depend on your employment, income and credit background. Only your lender can provide you with information about your specific loan terms including APR, fees, charges, and repayment period.

To get an idea of general rates and fees for payday loans, please visit our Rates and Fees page.

If you've already taken out a loan and still have questions about your loan's terms and conditions, please contact your lender directly.

Why do I need to submit my personal information?

Your personal information is needed to connect you to a lender in our network. We understand getting a loan online requires the utmost security, privacy, and online protection. That's why we use 256-bit SSL/TLS encryption. We are dedicated to security and fully committed to keeping your information safe and secure.

See our Privacy Policy and Lending Policy pages to learn more about how we keep your identity safe and secure.

Can I get approved with bad credit?

Yes! We work with lenders specializing in lending to those with less than perfect credit. Unlike traditional lenders that only consider your credit score, our lenders look at additional areas of your finances including time of employment, income, and other factors. The lenders we work with accommodate all types of credit; so past credit issues don’t necessarily stop you from getting a loan.

Are you a direct lender?

We are a loan connecting service, not a direct lender. We submit the information you provide to one or more lenders and attempt to connect you with a lender. Our technologically advanced loan connecting platform offers real-time access to our entire lender network. When you look for a payday loan through direct lenders, each lender requires a separate application and having this many credit inquiries can negatively impact your credit score.

Are payday loans available in my state?

We work with lenders who provide payday loans to consumers in many states. If we can’t connect you with a lender for a payday loan, and instead direct you to an offer for a short-term loan, there are state restrictions in place. Please see your state's laws on short-term lending to see what limitations, if any, exist in your state. We also have a state policy lookup on our Rates and Fees page for your convenience.

Why wasn't I approved for a loan?

There are instances where our lenders cannot meet a borrower’s needs. Typically, applications are rejected because lenders only work with certain states or income levels. In other cases, significant credit problems can keep a borrower from getting a loan; however, the lenders we work with accommodate all types of credit, so past credit issues don’t necessarily stop you from getting a loan.

Are loan extensions available for my current loan?

Loan renewals and extensions may be offered by your lender; however, they are subject to state laws and your lender’s policies. Only your lender can provide your specific repayment options and details if you can't repay your loan on time. Please note, loan renewals and extensions typically include additional fees.

Will my credit affect my chances of getting a loan?

We work with lenders specializing in lending to those with less than perfect credit. Unlike traditional lenders that only consider your credit score, our lenders look at additional areas of your finances including time of employment, income, and other factors. The lenders we work with accommodate all types of credit; so past credit issues don’t necessarily stop you from getting a loan.

When is the best time to request a loan through ClickNGoloans.com?

You can request a loan through ClickNGoloans.com anytime! Once you've submitted your information, your loan request will be processed and you'll be notified in real-time if one of our lending partners can meet your needs.

Can I choose to repay my loan in installments or in one lump sum?

Our lending partners offer larger unsecured loans that can be repaid over time. Most people who enter into this type of loan agreement expect to make monthly payments. The terms for your loan depend on a number of factors including state laws, the lender’s guidelines, and applicant qualifications. Ask your lender about details specific to your unsecured loan agreement.

What are the costs for borrowing an unsecured loan?

Unlike secured loans, unsecured loans require no collateral, but you will have to pay higher interest rates depending on your credit. Due to laws and regulations, the cost of borrowing an unsecured loan varies depending on your lender and the state in which you live. Once connected with a lender, your loan agreement will outline any interest rates or fees associated with your loan.

I'm searching for a small dollar loan. Can you help me?

Yes! Although we focus on traditional payday loans at ClickNGoloans.com, we also help consumers find temporary borrowing options. Offering the same great referral service, ClickNGoloans.com can help you get your ideal small dollar loan in no time at all. Submitting your information online is fast, considering you have your payday and financing information handy, and you get approval decision in minutes.

Our short-term lending partners typically fund small dollar loans in as soon as one business day, so if a financial emergency is forcing you to temporarily borrow money, visit ClickNGoloans.com now and get started with your request! Please refer to the Small Dollar Loans section on Rates & Fees page for more information about the basics and your state limitations.

Because ClickNGoloans.com IS NOT A LENDER, we cannot ultimately decide whether or not you are approved for a loan. We also cannot determine or influence the amount of money you may receive using our referral services. The operator of this web site will share the information you provide with participating lenders, advertisers, networks and other partners who may or may not lend or issue loans. Providing your information on this web site does not guarantee that you will be chosen by a lender or approved for a loan. We do not act as agents, brokers, or representatives for any of our lenders, and we do not endorse or charge you for any service or product. All information that we collect and share about you is in accordance with our Privacy Policy which we advise you to review before submitting any information using our form.

Because each lender is different and ClickNGoloans.com has no control over the rates and fees each lender charges, we urge you to carefully review the terms associated with the offer before accepting or declining. Please remember that you are never under any obligation to accept an offer from a lender and you can cancel the entire process at any time at your discretion. ClickNGoloans.com cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. For details, questions or concerns regarding your loan, please contact your lender directly. Please note that lender terms may vary, and lenders may use different criteria to determine whether an applicant is eligible for a loan. Not all who submit a request for credit will be chosen by a lender or approved for loan. If you are not chosen by a lender in the participating lender network, your information may be offered to participating third-party advertisers and generators for consideration.

It is not our policy to perform credit checks on any of our customers. However, some of the lenders in our network might perform a credit check before making their decisions using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other alternate sources of consumer information. In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating.

Any of the information that you read on this website may be changed at any time without any prior notice. We can not guarantee that your submitted information will be provided to a lender or that a lender will approve you for a loan. Not all lenders can provide up to $1,000. The loans that may be offered by a lender are expensive forms of credit and are intended to provide you with short-term financing to solve immediate financial needs and should not be considered a long-term solution. If you are having serious financial issues, it is often best to consult with a professional credit counselor.

ClickNGoloans.com strives to keep you updated with all state laws governing short-term loans. As you may know, these regulations vary from state to state. Visit the Rates & Fees page to view information regarding availability, maximum loan amounts, and loan terms, as well as the information for your state regulator. Rates and fees will vary depending upon lender.

If you are given an option to obtain a loan from a tribal lender, these lenders are owned by independent sovereign nations and may not be required to follow local or state laws regarding rates, fees and other loan terms. Please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.

Testimonial Disclaimer: These are not actual testimonials, but they are representative of ClickNGoloans.com services.

Advertising Disclosures

ClickNGoloans.com does not charge you any fees to submit a loan request, be connected with a lender, or to receive loan offers or quotes. If you receive a quote or a loan offer, the lender with which you may be connected is available to review its terms with you at no cost. It’s possible that the lender may require a fee to process your formal loan application and/or credit report, but until you agree to pay the lender any fee(s) or sign any loan agreements, you may shop with ClickNGoloans.com at no cost.

The offers that you might receive are from companies from which ClickNGoloans.com receives compensation. This compensation may impact what offers you receive and how/where products appear on this site (including, for example, the order in which they appear). ClickNGoloans.com does not include all lenders available in the marketplace. If you are presented with an offer, carefully review the details before signing.