Question 1

How fast can I get approved for a payday loan online?

Accepted Answer

Most lenders provide an instant decision within minutes. If approved, funds are typically deposited as soon as the next business day, depending on your bank's cutoff times.

Question 2

Do you lend money directly?

Accepted Answer

No. StayKurrent is not a lender and does not make credit decisions. We connect you with a network of licensed third-party lenders.

Question 3

What states allow payday loans?

Accepted Answer

Payday loans are not available in every state. Due to regulations, residents of certain states (including NY, AZ, AR, GA) are not eligible. Our form automatically blocks restricted states.

Question 4

Do I need a bank account to apply?

Accepted Answer

Yes. Lenders typically require an active checking account for deposits and repayments.

Question 5

Can I get a payday loan with bad credit?

Accepted Answer

Yes. Many lenders consider income/employment more than credit history and may accept borrowers with poor or limited credit.

Question 6

What is the maximum amount I can apply for?

Accepted Answer

Amounts vary by lender/state. Most payday loans range $100–$500, with some lenders offering up to $1,000.

Question 7

What are the typical APRs?

Accepted Answer

Payday loans are short-term, high-cost. Representative APRs commonly range 200%–700%, depending on lender and state laws. Always review the full terms before accepting a loan.

Question 8

How soon will I get my money?

Accepted Answer

If approved before your bank's cutoff, you may receive funds same day; otherwise next business day.

Question 9

Is my data secure?

Accepted Answer

Yes. We use SSL encryption and transmit your application securely only to lender partners for matching.

Frequently Asked Questions