As soon as PayCheck Today has ALL the information from you that they need, the approval process takes about one hour. If approved, your cash advance loan amount will be deposited into your personal checking account the next business day (if approved by 5PM Eastern time). If you are denied, you will receive an email. You can also call two business hours after applying to check the status of your application.

	APPLY NOW @ PayCheck Today   FAXLESS? Yes, as long as they can verify all the information on your application. There are instances where they may request a copy of a recent paystub, benefit award letter, bank statement, or voided check.
Eligibility:	They DO NOT give loans to self-employed individuals. You must make at least $1500.00 monthly gross to qualify with most kinds of benefit income (i.e. Social Security).
Finance Charge:	The Annual Percentage Rate (APR) on a typical 14 day loan is 782.14%, which is $30.00 per every $100.00 borrowed. You can also renew your loan.
Payment Options:	1) Pay the finance charge only: You will automatically be set up for this option. On your first due date, and the following 3 consecutive pay dates, Paycheck Today will debit the finance charge ONLY. On the fifth pay date and each pay date thereafter, they will debit a minimum payment of $50 towards your principal loan balance PLUS your finance charge until the loan is paid in full. Once your loan is paid off, you will have to wait three (3) business days to be eligible for another loan. 2) Pay the finance charge AND a payment towards your loan amount: Paycheck Today will debit the finance charge due plus a payment towards the loan amount on your loan due date. TO CHOOSE THIS OPTION, YOU MUST NOTIFY PayCheck Today AT OR BY FAX AT 1-800-671-0131 NO LATER THAN THREE FULL BUSINESS DAYS PRIOR TO YOUR LOAN DUE DATE to inform them of the amount you want to pay. The loan payments must be in increments of $50.00 (for example: $50.00, $100.00, $150.00, etc.). Remember you will still owe your new loan amount along with another finance charge on your following payday. 3) Pay your loan in full: Paycheck Today will debit the full remaining loan balance PLUS the finance charge on your due date. TO CHOOSE THIS OPTION, YOU MUST NOTIFY THEM AT OR BY FAX AT 1-800-671-0131 NO LATER THAN THREE FULL BUSINESS DAYS PRIOR TO YOUR LOAN DUE DATE. Once they receive all monies from your bank account, your loan will be considered paid in full. To receive your next loan, wait three business days after your account has been debited and login into your account at PayCheckToday.com Once PaycheckToday receive all monies from your bank account, your loan will be considered paid in full. To receive your next loan, wait three business days after your account has been debited and login into your account at www.paychecktoday.com.
What customers say:	"When I received notice that my car insurance was just days away from being cancelled my paycheck was still two weeks away. Just when I felt like I had nowhere to turn, a friend recommended that I apply for a loan with Paycheck Today. I took her advice, and within 24 hours I had the money I needed to make my payment and keep my policy in place." -- Austelle Martin - Houston, TX