Frequently Asked Questions


It’s a small (usually under $1,000), short-term, no-collateral, cash advance. It is backed by future income. This may be your next paycheck, a dividend or other type of regular income. The term of the loan is usually 30 days or less.

Payday loans are meant for emergencies. If you find yourself using them to pay regular bills, you should consider credit counseling, debt-management aid or other type of assistance. There are nonprofit agencies that help consumers who have ongoing, excessive debt.
This is a small (usually under $5,000), short-term, no-collateral, cash advance. It is backed by future income. This may be your next paycheck, a dividend or other type of regular income. It is paid back in a set number of scheduled payments.
pfiLOANS.com is not a lender and does not make credit decisions. pfiLOANS is a loan matching service. We connect consumers who are looking for financial assistance with independent, third party lenders who may be able to provide a loan.

You begin by filling out the simple form. Your information is then shared with third party lenders who may make you a loan offer. You are under no obligation to accept the offer, but if you do, the lender will provide the instructions to do so. Every third party lender has their own terms and conditions. Please consult these before accepting the loan offer. In particular, check for information on the APR, fees, renewal terms and consequences of non-payment.

If you have any questions about your loan, please contact your lender.
Registering with pfiLOANS.com is FREE to you, the consumer. We are paid by independent, third party lenders for potential customer referrals.

Each third party lender will have its own fees, APR and terms. These charges come directly from the lender and not from pfiLOANS.com.

These fees and charges will be provided to you at the time of the loan offer, if one is made. You are under NO OBLIGATION to accept them. Your loan is accepted by you when you electronically “sign” the offer and send back to the lender.

Read all documents for the terms and conditions of the loan.
Payday loans are usually between $100 and $1,000. Installment loans range between $100 and $5,000. You will make a request for a loan amount. If you receive a loan offer, it may not match the amount you requested. Loan offers may vary for several reasons including the individual lender, employment, income and other factors.
It usually takes less than 5 minutes to apply for a loan through pfiLOANS.com; you will then have access to a number of lenders that want your loan request. In most cases you will receive your loan money within 24 hours after approval.
The transfer to your bank account could happen as early as the next business day. Times will vary depending upon your lender and your financial institution. If you have additional questions regarding the transfer time, please contact your lender.
Individual, lenders have different minimum requirements, but the following constitute typical minimum requirements:
  • Be at least 18 years of age or older
  • Be a U.S. Citizen
  • Have a checking or savings account with direct deposit
  • Have regular income of at least $1,000 per month
  • Must Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or less
pfiLOANS.com employs a number of state of the art security measures are designed to keep your information secure. All sensitive data transmitted between your browser and pfiLOANS.com uses 128 bit Secure Socket Layer (SSL) encryption technology. Your use of our services is strictly voluntary and is governed by our Terms & Conditions of Use and Privacy Policy.
Lenders know that hard times can fall on anyone, which is why your credit doesn't matter when applying for a loan. You can be approved despite credit problems, such as bankruptcy, judgments, and other financial issues.
The lender you are matched with will contact you. Lenders will generally contact you by phone. When the lender's representative calls you, he or she may ask you additional questions to clarify your application. Once the lender has approved your loan, you will likely receive the contract and additional information via email. You will also be notified regarding when the funds will be deposited into your bank account.