Frequently Asked Questions and Answers

How do I get started?
You can start the process immediately by calling toll free 1-800-979-1942 or by CLICKING HERE NOW!

What is a PAYDAY LOAN?
A Payday Loan is a short-term loan until your next payday. When the loan is due, you may:
a) Pay the interest to extend the loan until your next payday
b) Pay the loan in full. It's always your choice

What is an Auto Title Loan?
A Online Micro Loans Auto Title Loan is a 30-day loan that is secured by your paid off vehicle. We place a lien on your vehicle and you continue to drive it. When the loan is due, you may:
a) Pay the interest to extended the loan until your next payday.
b) Pay the loan in full. It's always your choice.

What do I need to qualify for a payday loan?
You must have an open and active Checking or Savings Account (preferably with Direct Deposit), be 18 years of age, have at least $1,000 per month of steady verifiable income, and have a current permanent residence.

What do I need to qualify for a Online Micro Loans Title Loan?
You must own a Paid Off Vehicle with a Clear Title, be 18 years of age, have at least $1,000 per month, steady verifiable income, and have a current permanent residence.

How much money can I borrow for a payday loan?

The loan amount is based upon your monthly income and your stability at your job and residence. After completing your application you will be told instantly online how much you are approved for.

How much money can I borrow for an auto title loan?
The auto title loan amount is based upon the value of your vehicle and your monthly income.

Do I need a Checking or Savings Account for a payday laon?
Yes. You need a Checking or Savings Account, preferably with Direct Deposit.

Do I need a Checking or Savings Account for an auto title loan?
No. However, you may qualify for more money if you have a checking account.

How fast can I get the payay loan money ?
We can usually have your application approved and processed within an hour. We will deposit the money directly into your checking account and the funds will be available on the next bank business day.

How fast can I get the auto title loan money?
We usually can have you approved within an hour after taking your application with the money deposited directly in your bank account the next bank business day.

Do I need to have good credit to get a loan?
No

Do you check my credit?
We do not run a credit check with the three major bureaus, TransUnion, Equifax or Experian. However, we do use Teletrack. Teletrack is a consumer reporting agency that specializes in the sub-prime industry.

I have bad credit can I get approved for an auto title loan?
We approve auto title loans for people with bad credit, slow credit and no credit. Virtually anyone with a paid off vehicle can be approved for an Auto Title Loan.

Do the bills have to be in my name for an auto title loan?
No. The bills do not have to be in your name, they just need to be from the residence where you are currently living.

How much will this payday loan cost me?
$14 or 14% a week for every $100 borrowed. For example, if you borrow $200, the finance charge will be $28 a week.

How much will this auto title loan cost me?
Online Micro Loans works with a network of lenders whose title loan fees are among the lowest in the auto title loan industry. The fees will vary depending on which lender you are matched with.

How long is the term of the payday loan?
OnLine Micro Loans works with a network of lenders whose cash advance fees are among the lowest in the payday loan industry. The fees will vary depending on which lender you are matched with.

How long is the term of the auto title loan?
The term of a Online Micro Loans Title Loan is 30 days. When the loan comes due, you may pay only the interest to extend the loan until your next payday or you may pay off the loan. It is always your choice.

Do I get to keep my car?
Yes, you continue to drive your vehicle. We place a lien on the vehicle until you pay off your loan.

If I can't pay off my loan when it comes due?
You may pay only the interest to extend the loan until your next payday. It is always your choice.

Can I pay off the loan at any time?
Yes. As long as you pay the interest when the loan comes due, you can continue to extend the loan until your next payday. It's your choice. * Delaware law limits the number of rollovers to four per existing loan. Following the maximum allowable number of rollovers, the borrow must repay a minimum of 10% towards the principal per payment period.

Is there a penalty if I pay the loan off early?
No. You only pay interest for the days you have the loan out.

How do I get started?
You can start the process immediately by calling toll free
1-800-979-1942 or by CLICKING HERE NOW!

* This is not a credit application. Online Micro Loans is a part of a “Preferred Lenders Network?financial matching service. Through our proprietary technology your information will be matched with one of several independent loan companies. This allows for a higher approval rate and getting you the best deal per your application today. Not all loan companies will approve you for a loan or can provide you with up to $1,500 on your first loan. We cannot guarantee final approval of unsecured loans. Qualifying for final approval of a loan depends on various factors including income and the state in which you reside. Online Micro Loans is not a financial institution or a lender. The independent loan companies may verify your supplied information with any number of independent verification companies including but not limited to: CLVerify, or Teletrack. Also, by clicking the Get Cash Now button, I agree to the Privacy Policy and to receive special email and SMS offers from our marketing partners and business affiliates.

Cash advances are also commonly referred to as Payday Loans, Payday Advances, Payday Advance Loans and Fast Cash Loans.

CONSUMER NOTICE: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.