Payday SOS

for when you need a financial life raft.

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Frequently Asked Questions (FAQ)

Where do I go to get answers about my existing loan? PaydaySOS is not a bank, financial institution, or lender. We do not make credit decisions or short term cash loans. Moreover, the owner/operator of this website is not a broker, agent, or representative of any lender. PaydaySOS works as a connection to a network of payday lenders. If you require details on your loan or have questions/concerns regarding your cash advance, contact your lender directly. They will be able to assist you. In addition, information about your loan and your lender should be included in your approval email, bank statement, or via contacting your bank/credit union directly.

Do I qualify for a loan? Qualifying for short-term cash loans is easy. Many payday lenders will provide funds to customers with poor credit histories. Most cash advance lenders will qualify a customer if they:

  • Receive regular scheduled income via employment or benefits such as SSI
  • Earn at least $800 a month
  • Have a checking account
  • Are 18 years of age or older
  • A permanent resident of the US

Note that other requirements may be applicable depending on the payday lender. Even customers who have filed bankruptcy, have bounced checks or have other credit issues can be approved for quick cash loans.

If I can't pay back my loan can I request an extension? There are several situations where a lender will provide an extension on a short-term loan. Please note that this decision can only be made by your lender, and not PaydaySOS. Please contact your lender in regards to extensions.

Can I request funds by phone? If you want to submit your loan request over phone you can call us at: 888-718-9134