How It Works

At PaydayGogo we work with multiple lenders to connect you with the short term funding you need to manage your emergency expenses. PaydayGogo is not a lender, we connect you with a network of lender's around the country who can provide you with quick cash loans regardless of your credit history.

Once you have submitted the information required in our quick and easy form, PaydayGogo will attempt to connect you with a lender. If you are connected with a lender, you will receive an answer almost instantly in less than 5 minutes in most cases, unlike with other traditional banking institutions that may take days. If you are connected with a lender, you will be automatically redirected to the lender's website where you should review the terms and conditions of your loan. You may also be contacted by your lending provider who will confirm you information and finalize your loan.

If you do not agree with any part of the terms and conditions of your loan, notify your lender before finalizing your loan. Your lender may contact you by phone or email. Be sure to respond in a timely manner in order to gain access to your funding as soon as possible.

Finally, personal loans are meant to be used as a short term solution only, please borrow responsibly.

Understanding Short Term Loans

Fast, Easy and Secure Online Form

Our loan request form is easy to complete and only takes about two minutes. We will only ask you for the information that is necessary to provide you with the short-term loan. After you submit your information, we will set you up with at least one of the lenders in our network. These lenders can offer you up to $1000 as soon as the next business day, often without requiring to fax a single document. We also make use of 256-bit SSL technology to encrypt your data, providing you with a secure connection as you navigate through our website.

Short Term Loan Offers with No Obligation

Minutes after you submit your information, you will receive offers from multiple lenders across the country. This will allow you to choose the loan offer that works best for your specific financial situation. If you do not like any given offer, you are under no obligation to accept it - simply move on to the next.

Get Your Money

Once you have chosen the offer that suits you best, you will enter a contract with that lender and will be required to provide an electronic signature. While most loans are deposited into your bank account on the next business day, some lenders can get you your money in as little as one hour.


In most cases, the amount borrowed, any applicable fees and interest will be withdrawn from your bank account on a predetermined date. This eliminates the headache of visiting a location or mailing a check or money order. It also negates the possibility that you will be required to pay late fees. If for any reason you are unable to repay your loan on this date, you can contact your lender to ask about extensions or loan rollovers. Make sure you do so before the due date. Any adjustments to your current loan conditions will have additional charges.

Do I Qualify for a Loan?

The process associated with qualifying for a short-term loan is much simpler than the one associated with applying for more traditional forms of credit. There are only a few criteria that borrowers must meet:

  • Be 18 years of age or older
  • Legally live and work in the United States
  • Be currently employed with the same employer for a minimum of 90 days
  • Have a bank account in your name
  • Have a valid telephone number and email address
  • Meet minimum income requirements

All Types of Credit Considered

Unlike bank loans and credit card applications, the lenders from our network will consider you for a short-term loan regardless of your credit score. Our lenders only perform credit checks with bureaus like TeleTrack and DP to ensure that you are not currently in bankruptcy nor have any existing non-paid short-term loans with other lenders. To date, our lenders have provided millions of loans, and they are dedicated to helping you get the funds you need as quickly as possible.

Benefits of Short-Term Loans

In order to enjoy all the benefits of a short-term loan, it is important to repay your loan on time. This allows you to develop a positive business relationship with your chosen lender. Before you request a loan through PaydayGogo, it is important to ensure that you will have the funds available to repay the loan in the specified time frame. You should also contact your lender immediately if a situation arises that may cause you to repay your loan late. This will allow you to negotiate new terms with your lender and may save you money.

We Can Help

Should you have any general questions about short-term loans or about our website, please do not hesitate to contact us. We pride ourselves in providing top-notch customer service and will respond as quickly as possible.

* We protect your information with 256-bit SSL technology.

We are confident that our friendly and knowledgeable customer service staff, secure website, and lightening-fast response time, will leave you highly satisfied with your experience at PaydayGogo.

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