The approved loan amount is based on analyzing and verifying your application information. Our loans range from $100 to $500. On your first loan we limit the loan amount to $300.

You may apply for a new loan three (3) days from the date you payoff your current loan.

This service may or may not be available in your particular states.

Your application can be approved within minutes. Assuming that your loan is approved prior to 5:00PM (CST), your funds will be electronically transferred to your account that day. Funds should be deposited into your account the next business day assuming that funds were transferred on Monday-Friday and not a bank holiday).

No problem. Unlike many other financial institutions, we do not require that you have good credit.

An e-mail will be sent on approval or renewal payment with your next due date and to remind when your loan is coming due. Just follow the links provided in the e-mail reminder, login to your account and select one of the following options:

	1. Pay your loan in full.
	2. Pay interest and part principal (same amount as auto-refinance below) to renew your loan.
	3. Pay your loan off early and receive prorated interest savings.
	4. Do nothing and your loan will Automatically renew.

If you do not select a payment option 24 hours prior to your due date, your loan will automatically refinance.

There is an automatic minimum payment (a principal reduction of your payday loan by 10% of the original loan amount plus interest unless monthly paid where the principal reduction is 20% plus interest). We will electronically debit this amount from your checking account and your payday loan will be automatically refinanced. A minimum payment of $50.00 will scheduled if your calculated interest + 10% of principal payment is less than $50.00. On $50.00 minimum payments any excess of amount above interest will be applied to remaining balance.

Any of the repayment options that you authorize will be electronically debited from your checking account for your convenience.

Your loan application is processed immediately upon receipt. You will receive an e-mail notification of the status of your loan within minutes.

We process applications and approve loans 24/7/365 however our customer service hours are from 9:00am-5:00pm Monday through Friday central time.

1. Complete the online application and click Submit . Once approved you will electronically sign agreement of loan terms.

2. Upon approval funds are electronically deposited into your checking account.

3. Upon due date of loan you will have the option to renew loan or payoff. If you do not payoff the loan on the dues the loan will automatically renew.

We do not perform a credit check, however we do verify application information using several national databases.

A pay day loan or cash advance is a quick and convenient way to bridge your cash needs between paydays. Funds requested are electronically deposited and withdrawn from your checking account on mutually agreed upon dates. This is a short-term cash management tool and not intended for financial problems that consumer credit counseling would resolve.

The maximum dollar amount for first time borrowers is $300. You are eligible for an increase after you loan is paid in full and at least three payment have been made.

From the My Account page, click the Update Info tab to view your account options. To change your email address or password, click Update Account Info link. You will need to enter your current password, and then your new email address twice to change your email address, or your new password twice to change your password. You can change both at the same time.

You funds can be used for anything you like , such as rent, car bills, phone bills or anything you like.

You will receive your loan through an electronic deposit to your checking account. You also authorize us to directly debit or withdraw from your bank account for full loan amount on the loan due date or if you choose you may renew your loan and pay only the finance charge plus a 10% of the principal amount

Our fees are based on a your paid loan history with our company. As a first time customer your fee is based on $20 per $100 borrowed. As you build your credit history with NeedSpeedyLoan.com you will be eligible for a low fee of $10.00 per $100.

Loan rates vary depending on you your history with us. The amount of fees paid will be determinsed by the size of loan you receive. Examples are listed below.

Preferred Member Level	Number of Paid Loans	Preferred Customer Fee per $100*
Blue	0-4	$25.00
Silver	5-9	$22.50
Gold	10-14	$20.00
Diamond	15+	$17.50

* We retain the rights to change your preferred pricing level if any loan payments are returned for any reason.

The chart below represents illustrative examples of the cost of a loan to the borrower.

Fee schedule for first time customer and repeat customer with 0-5 paid loans: $25 per $100 borrowed

ANNUAL PERCENTAGE RATE (APR)	FINANCE CHARGE	AMOUNT FINANCED	TOTAL OF PAYMENTS	NUMBER OF PAYMENT(S)
The cost of your credit as a yearly rate. Assumes a 14 day repayment period.	The dollar amount the credit will cost you.	The amount of credit provided to you or on your behalf.	The amount you will have paid after you have made all payments as scheduled.	Number of payment(s) used in the APR calculation.
651.79%	$25.00	$100.00	$125.00	1
651.79%	$50.00	$200.00	$250.00	1
651.79%	$75.00	$300.00	$375.00	1
651.79%	$100.00	$400.00	$500.00	1

Fee schedule for repeat customer with 6-9 paid loans: $22.50 per $100 borrowed

ANNUAL PERCENTAGE RATE (APR)	FINANCE CHARGE	AMOUNT FINANCED	TOTAL OF PAYMENTS	NUMBER OF PAYMENT(S)
The cost of your credit as a yearly rate. Assumes a 14 day repayment period.	The dollar amount the credit will cost you.	The amount of credit provided to you or on your behalf.	The amount you will have paid after you have made all payments as scheduled.	Number of payment(s) used in the APR calculation.
586.61%	$22.50	$100.00	$122.50	1
586.61%	$45.00	$200.00	$245.00	1
586.61%	$67.50	$300.00	$367.50	1
586.61%	$90.00	$400.00	$490.00	1

Fee schedule for repeat customer with 10-14 paid loans: $20 per $100 borrowed

ANNUAL PERCENTAGE RATE (APR)	FINANCE CHARGE	AMOUNT FINANCED	TOTAL OF PAYMENTS	NUMBER OF PAYMENT(S)
The cost of your credit as a yearly rate. Assumes a 14 day repayment period.	The dollar amount the credit will cost you.	The amount of credit provided to you or on your behalf.	The amount you will have paid after you have made all payments as scheduled.	Number of payment(s) used in the APR calculation.
521.43%	$20.00	$100.00	$120.00	1
521.43%	$40.00	$200.00	$240.00	1
521.43%	$60.00	$300.00	$360.00	1
521.43%	$80.00	$400.00	$480.00	1

Fee schedule for repeat customer with 15 or more paid loans: $17.50 per $100 borrowed

ANNUAL PERCENTAGE RATE (APR)	FINANCE CHARGE	AMOUNT FINANCED	TOTAL OF PAYMENTS	NUMBER OF PAYMENT(S)
The cost of your credit as a yearly rate. Assumes a 14 day repayment period.	The dollar amount the credit will cost you.	The amount of credit provided to you or on your behalf.	The amount you will have paid after you have made all payments as scheduled.	Number of payment(s) used in the APR calculation.
456.25%	$17.50	$100.00	$117.50	1
456.25%	$35.00	$200.00	$235.00	1
456.25%	$47.50	$300.00	$347.50	1
456.25%	$65.00	$400.00	$465.00	1

State law generally regulates the maximum loan amount available to a consumer. Based on the application information provided and your monthly income we will determine the loan the amount.

We utilize industry security standards to protect your information. All loan and personal information is process through a secure SSL server. The privacy and security of personal information is a top priority in our company.

You may choose to renew your loan by logging into the web site or contact us and we will work with you and make arrangements to renew your loan. Please note that all returned debits will be charged an NSF fee of $25.00.

Yes, however if your payoff date is during the first 14 days of the terms of your loan you will be charge a minimum of 14 days finance charges. If you payoff your loan after the first 14 days you will be credited for a prorated portion of the finance charge. If you have renewed your loan you may payoff your loan at anytime with no prepayment penalties your finance charges will be prorated.  

We process applications and approve loans 24/7/365. If a loan request is made during the weekend the loan funds will be processed on the following Monday and deposited into your account by following Tuesday.

We are licensed in the State of Missouri and our loans are governed by Missouri law. Missouri law that governs consumer loan agreement may differ from laws of the state where you reside. If you don''''t want to enter into a loan agreement subject to Missouri law you should apply for a loan at lender located in the state where you reside.

We currently do not process loans for residences in the state of Arkansas, Connecticut, Georgia, Guam, Maryland, Massachusetts, New Jersey, New York, North Carolina, Puerto Rico, Vermont, Virgin Islands, Virginia, or West Virginia.