Frequently asked Questions

How does an online payday advance work?

Once you submit your application, we will attempt to match you with a lender. If we are successful, you may expect to see your loan document on your screen. Also, an agent may call you to verify your loan.

How will I know if my loan is approved?

After you apply online, you will receive a notification on your screen about the status of your loan application. Approvals will result in a loan agreement being displayed on your screen so you can read the terms and fees offered by the lender you were matched with. A customer service representative will then contact you (during business hours) and verify your information by phone.

When will I receive my cash advance money?

Once we match you with a lender and after that lender approves your loan, your loan will typically be funded the next business day.

What are the implications of a payday loan late payment?

InstantLoanNetwork is not a lender. We are a matching service that helps you find a lender from our entire network of lenders. Once you are matched with a lender your loan agreement will contain important information about the implications of a late payment. Some lenders may provide the option of making an interest-only or partial payment on a limited basis for an additional fee. Late payments of loans may result in additional fees or collection activities, or both. Each Lender has their own terms and conditions. Please review their policies for further information.

What are the implications of a payday loan non-payment?

InstantLoanNetwork is not a lender. We are a matching service that helps you find a lender from our entire network of lenders. Once you are matched with a lender your loan agreement will contain important information about non-payment. Non-payment of credit could result in collection activities. Each Lender has their own terms and conditions. Please review their policies for further information.

Do you provide loans to military personnel?

InstantLoanNetwork is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. Most lenders will not lend to Military members or their dependents. However InstantLoanNetwork may have one or more lenders that specifically assist U.S> military families gain access to loans.

Do you adhere to a code of practice on responsible lending?

Although InstantLoanNetwork is not a lender we strive to only work with partners that maintain a high Better Business Bureau (BBB) rating. Our lending partners that are members of CFSA have committed to adhere to the following CFSA Payday Advance Customer Bill of Rights.

Not all lenders are members of CFSA so when you speak with a loan representative you may want to ask this question. If you believe that you have been treated inappropriately by a CFSA member and you would like to report a violation of a CFSA Best Practice see CFSA Procedures for Responding to Customers Complaints.

CFSA Payday Advance Customer Bill of Rights.

  • You have the right to courteous and professional service.
  • You have the right to have your financial privacy and personal identity protected during and after transacting with a CFSA member company.
  • You have the right to receive full written disclosure of all fees and terms associated with your payday advance.
  • You have the right to rescind your loan, at no cost, within one (1) business day of accepting a payday advance.
  • You have the right to file a grievance against a CFSA member company if you believe that you have been treated in a manner that violates CFSA’s code of Best Practices. In such case, CFSA’s Ethics Committee will investigate your allegation and work with you and the CFSA member to resolve the issue.
  • You have the right to lawful and professional collection practices.
  • Upon repayment of your payday advance, you have the right to decline any offer to assume an additional payday advance.
  • If you live in a regulated state or municipality, you have the right to demand that your lender adhere to the payday lending law(s) of that state or municipality.

What is the payday loan renewal policy?

InstantLoanNetwork is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. Once you are matched with a lender your loan agreement will contain important information about the lender’s renewal policy. The ability to refinance or “rollover” a loan depends on the locality in which the lender is licensed. Every Lender has its own renewal policy, which may differ from Lender to Lender. Please review your Lender’s renewal policy.

What is your contact information and physical address?

InstantLoanNetwork is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. Once you are matched with a lender your loan agreement should contain a legitimate physical address and contact details for that lender. The physical address for InstantLoanNetwork matching service is Bad Doggie Media Group, 142 Flagstone Way, Acworth, GA 30101

Do you comply with other state or local regulations related to short-term loans?

It is important that you work with a lender that follows the laws set by national, state and local governing bodies. InstantLoanNetwork is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. When you receive your loan documents, read them carefully before you sign to learn which state or country the lender operates in. You can also check online for complaints about a particular lender.

How To Submit A Complaint Against Your Payday Lender?

Have an issue with a financial product or service? Submit a complaint http://www.consumerfinance.gov/complaint/ to the Consumer Financial Protection Bureau. The CFPB will forward your complaint to the company and work to get a response from them. You can attach documents to your complaint, such as statements, contracts, receipts, and letters to help the CFPB better understand your issue. If your complaint concerns lender collection practices on your payday loan, you should submit a Debt Collection complaint through the CFPB.