As a responsible lender, Finger Finance cannot offer guaranteed payday loans for all borrowers. You must be able to meet our eligibility criteria and provide some personal information before you are approved for a loan. The information you provide us will help us get you the best loan for you and help us pair you with the right lender. The US has legal requirements when it comes to payday lending and the checks we carry out help us to ensure we are working within these parameters. Our checks are non-invasive and instant, so you’ll know immediately if you’ve been approved for a loan.

Will anywhere offer a guaranteed payday loan?

You may be able to find a site offering guaranteed payday loans, however this is not necessarily a good thing. Sites that offer a guaranteed payday loan should act as a red flag for potential borrowers. All trustworthy lenders will carry out some form of check on their borrowers to ensure that they can afford a loan and make sure they get the best loan for them.

Will Finger Finance carry out a credit check?

Credit checks for an automatic part of the application process. Applying with Finger Finance will never affect your credit score and paying back your loan on time could improve your credit score. If you are concerned that your credit score is low, don’t worry. Generally speaking, your credit rating will play a big role in whether or not you’re approved for a loan. However, Finger Fiance works with a range of lenders and our panel of lenders are willing to consider working with a range of credit scores. Don’t panic if your credit score isn’t perfect or you have struggled to repay a loan in the past, this doesn’t automatically discount you from being able to get a payday loan. However, you should carefully consider whether or not a loan is right for you and you need to be confident that you can keep up with repayments. Finger Fiance works with hundreds of responsible lenders who are able to offer loans to customers with a range of credit ratings. Having a poor credit score does not mean you won’t be able to get a loan. 

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Am I eligible?

Payday loans are one of the quickest and easiest ways to get a loan quickly, but there are still some things you must have to be eligible. You will need to meet the eligibility criteria to secure a payday loan. Here are the main four stipulations for securing a payday loan:

  • You must be a U.S. resident.
  • You have to be at least 18 years of age.
  • You need to have a consistent income with earnings at a minimum of $800 per month.
  • You must have a checking account that your payday loan can be deposited into.

What information do I need to apply?

When applying for a payday loan online, there are a few things you will typically need to provide. These include:

  • Your driver’s licence number or state ID
  • Your contact details – including your phone number and email address
  • A valid checking account
  • Your employment status
  • The loan amount that you want to borrow

How long will it take to be approved?

Being approved for a payday loan with Finger Finance is an incredibly quick and straightforward process. Once you have filled in a few quick details you can instantly find out whether or not your request has been approved. Once your application is complete you will receive an instant on-screen decision on your loan. Once your request is approved the money you have asked to borrow should be in your account either on the same day you apply for it or the next business day. Money can be in your account in as little as a few minutes. This makes what payday loans one of the fastest and easiest ways to borrow money, meaning it’s perfect for emergency expenses that no one could have foreseen. 

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