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How It Works

Ready Loan USA provides our customers around-the-clock access to short term loans so they can fulfill their financial obligations. The application process is 100% online and paperless, so there is no need to stand in a line up or fax any documents to a lender. Time is of the essence, and as such we strive to satisfy your financial needs as quickly as possible while maintaining your privacy at all times.

The first step is to fill out our easy and secure application, which usually typically takes less than 5 minutes to complete and less than 2 minutes to process. Once your application has been approved you will be presented with the terms of your loan by your trusted lender, at which time you will have an opportunity to review before accepting them. When you are ready to accept your loan, complete the process by providing your e-signature. Your cash will be deposited directly into your bank account by your lender.

Take advantage of the benefits a short term loan can provide by addressing financial emergencies or preventing costly interest fees and potential damage to your credit history.

Our industry standard, 256-bit data encryption technology ensures that your valuable information is 100% safe and secure at all times.


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Your Privacy

Effective Date: January 1, 2014

Privacy Policy:

"", hereinafter referred to as, ("", "website" "us", "our", or "we"), has created this Privacy Policy in order to disclose our information gathering and dissemination practices. We understand the importance that Internet users place on privacy and have designed our service with this in mind.

You agree to this Privacy Policy, in its entirety, when you access or use "" ("Website"), or select and register for offer(s) on the Website by clicking the offer(s) presented.

If you do not agree with the terms of our Privacy Policy, please do not use or access the Website.

Information We Collect:

In order to provide you with and match you with the right offer, we may collect and/or monitor the following: information knowingly provided by you through online forms, registration forms, surveys, and/or other entry forms, such as sensitive personal data, email addresses, personal, financial or demographic information; anonymous web user information, such as Web Page http headers, IP addresses, Internet Service Provider (ISP), date/time stamp, number of clicks and user information, specific or aggregate, regarding what pages our visitors access. Web user information collected on this site is monitored in order to analyze trends, administer the website, monitor user behavior in the aggregate and gather broad demographic information for aggregate use.


This website uses a 'cookie' to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer's hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to re-enter information each time you visit this website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.

How We Use Your Information:

Any personal information you provide on this website remains your personal property. However, by submitting your information on this website, or in the course of using this website's services, you consent and agree to the following: the transfer of your personal information, and any other data we acquire about you from third-party service providers in the process of evaluating you for a loan, to other companies including but not limited to, other consumer credit lenders and their affiliates; the use of your personal, demographic and profile information to enhance your experience at "" and enable us to improve this website through statistical and market analysis; adding of your information to our consumer database, of which may be used to contact you via email, telephone or postal mail regarding new product and service offerings from "" and/or its affiliates, and/or the status of orders placed online. By providing your personal information to this website for the purpose of inquiring about a loan, you consent for us to share your information with potential lenders. To this end, by agreeing to this Privacy Policy you provide your consent to "" to sell your information to trusted lenders and lead providers.

Though we make every effort to preserve user privacy, we may be required to disclose personal information in some instances, such as: 1) when required by law wherein we have a good faith believe that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that "" is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our terms and conditions or to commit unlawful acts.

Moreover, you hereby consent to the disclosure of any record or communication to any third party when "", in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time to time.

Disclosure of Information to Third-Parties

We respectfully take great care of your information. If you choose to provide information on this website, it will be shared with trusted consumer credit lenders for the purpose of evaluating you for a loan; your information may also be shared with third parties for the purpose of marketing special products and services from "" and/or its third-party affiliates/partners that match your interest.

We may share our user information and/or join together with other businesses to bring selected and exclusive opportunities to our users. We are able to offer third-party services to you, in part, based on your willingness to be reached by our third-party advertisers.

In addition, you agree that such act constitutes a purchase, inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R. Part 310, et seq. (the "ATSR"). Notwithstanding that your telephone number may be listed on the Federal Trade Commission's Do-Not-Call List, "" retains the right to contact you via telemarketing in accordance with the ATSR. Moreover, by registering with, or requesting information from, a third-party advertiser at or through the Website, such action shall constitute a purchase, an inquiry and/or an application with the respective third-party advertiser for purposes of the ATSR and you may be contacted via email, direct mail and/or telemarketing in accordance with the ATSR.

"" is not responsible for any content, terms and conditions, or the privacy policies of any third-party advertisers' websites. The entities that advertise and/or place banner ads at the Website, including but not limited to, third party advertisers, are independent third-parties and are not affiliated with "".

Your Choices About The Use Of Your Information & Opting Out

By submitting an application to this site, you certify that you are at least 18 years old and agree to both the Terms of Use and Privacy Policies that govern this site. You can choose to not to provide us with certain personal information, however doing so may result in limited access to certain features and services provided on this site and ultimately affect your ability to obtain a loan. 

If you would like to delete the personal information that we have collected from you, please send an email request to We will process your request, where possible and subject to the Terms and Conditions contained in this Privacy Policy, within a reasonable amount of time. Federal and State regulations and/or the need to administer our relationships with our ad networks and third party partners may require that we store certain information for various periods of time. In order to comply with these requirements, your information may be stored until the expiration of the applicable period. We will use reasonable commercial efforts to delete your personal information no later than three (3) months after receiving your request, unless a longer retention period is required by law. Any request to remove personal information will apply to information held by, and not information already shared with third parties. The treatment of such information is governed by those parties' Privacy Policies, not by this Privacy Policy.

When you submit your information on, you may receive email messaging or third party marketing messages. You will be given the opportunity, in any commercial email that we send to you, to opt out of receiving such messages in the future. You may also opt out of receiving commercial emails by using the 'Unsubscribe' link on our site. It may take up to 10 business data to process your request. If you remove your information from our database it will no longer be used for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you. If your information has already been shared with a third party, it may be necessary to contact the third party directly to opt out of receiving information from them.

We may use the personal information you've provided on this site to administer the services you've requested, including wireless services that display customized content and advertising. In addition to any fee of which you are notified of, your wireless provider's standard message rates apply to our confirmation and all subsequent SMS correspondence. You may opt out from further SMS messages and remove your SMS information from our database by responding 'STOP', 'END' or 'QUIT' to the SMS text message you received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you.

Changes to the Privacy Policy

"" reserves the right to change or update this Privacy Policy at any time by posting a notice at the Website that we are changing our Privacy Policy. If the manner in which we use information changes, we will notify users by posting the changes on this Website. Any and all changes to our Privacy Policy are effective immediately upon posting. The user's continued use of the Website and/or continued receipt of "" e-mails constitutes an affirmative acknowledgement and acceptance by the user to the terms of the modified Privacy Policy.


Visitors under 18 years of age are not permitted to use and/or submit their personal information at the Website. "" does not knowingly solicit or collect information from individuals under the age of 18. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.


All collected information is stored in a technically and physically secured environment. Furthermore, access to this information is strictly limited, and the information is not accessible to the public. Our employees are dedicated to ensuring the security and privacy of all "" user information. To prevent unauthorized access, maintain data accuracy and ensure the correct use of information, we use appropriate industry standard procedures to safeguard the confidentiality of your personal information, such as firewall, encryption, token authentication, application proxies, monitoring technology, and adaptive analysis of network traffic to monitor abuse of our network and its data.

In addition, "" has security measures in place to protect the loss, misuse and alteration of personal information under our control.

Please be advised that, although we take every reasonable technological precaution available to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure.


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Do I Qualify For A Short Term Loan?
Generally speaking, a potential borrower must only have a regular source of income (employment), an open bank account that can accept direct deposits to qualify for a short term loan. Borrowers must also be at least 18 years of age.

How Much Can I Receive?
Qualified loan amounts can vary and are based on personal eligibility. Approved loans can range anywhere between $100 to $1,000.

How Long Does It Take To Get Approved?
Once you've submitted your online application, you will usually receive a response in less than 90 seconds. Applications with accurate and complete information will yield the most favorable results.

How Can I Tell If I've Been Approved For a Loan?
If your application has been approved, Ready Loan USA will direct you to your lender's loan agreement page, where you can review and electronically accept the rate and repayment terms. You will also receive an email confirmation with a link to the loan agreement page.

My application was approved, when will I receive my Loan
Once your application has been approved, funds are direct deposited into your bank account after you have read and accepted the terms of your loan. Deposit times may vary based on personal eligibility. Deposits are made as quick as the next business day.

How Much Will A Short Term Loan Cost?
Cost of Borrowing varies and is based on a borrower's personal eligibility for a loan. Upon approval, the rate an repayment terms are presented to you by your lender. Remember, no loan is issued unless the borrower electronically accepts the rate and repayment terms.

Will I Be Approved for a Loan If My Credit Is Bad?
Borrowers with less-than-perfect or even poor credit scores are also eligible to apply for a loan.

Is it Safe To Apply On This Site?
Ready Loan USA utilizes the latest industry standard security protocols, including 256-bit data encryption, to ensure that your valuable information is 100% safe and secure on this site at all times.

Can I Apply For A Short Term Loan Over The Phone?
Although we recommend that you complete online application for the quickest and most favorable results, you can also call (855) 585-9248 during normal business hours to apply telephone.

How Long Do I Have to Pay Off a Short Term Loan?
Once your application is approved, your loan repayment date will be indicated on the Loan Agreement page. Repayment periods vary based on personal eligibility, lender's guidelines, state and local laws and the amount borrowed. Most lenders will send you an email 1-2 days prior to your due date reminding you when your payment is due. If your bank account does not have the money available to pay for the loan in full, you may be able to contact your lender to discuss possible loan repayment options.


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Terms & Conditions

Welcome to Ready Loan USA. Ready Loan USA ("Ready Loan USA") operates a Web site located at (also referred to as "the Site") which provides a connection between people seeking payday loans and payday advance providers online who provide these short term loans.

Ready Loan USA is not a financial institution or a lender. The information you provide to Ready Loan USA may be placed with one of several independent loan companies. Ready Loan USA cannot guarantee final approval of unsecured cash loans. Not all independent loan companies will approve you for a loan or can provide you with up to $1,000 on your first loan. Qualifying for final approval of a cash loan depends on various factors including income and the state in which you reside. Payday loan charges vary by lender. Remember short term payday loans are designed to provide you with short term financing to solve immediate cash flow problems and should not be considered a long term solution.

These terms of use ("TOU"), together with the Ready Loan USA Privacy Policy constitute a binding agreement - and the only agreement - between you and Ready Loan USA governing your use of the Site. By using the Site, you agree to be bound by all of the terms and conditions of the TOU. By using this Site, you also acknowledge that you have read and understood the terms of our Privacy Policy and agree to said terms.

If you do not agree to these TOU, please do not enter the Site. Ready Loan USA may also modify the TOU at any time, without notice. Any modifications will be posted on this page, so we suggest you return to this page on a regular basis to view the TOU. Your continued use of the Site after any modification will mean you agree to the TOU as modified. If you do not agree to a modification, you should stop using the Site immediately. If Ready Loan USA believes you have breached these TOU, Ready Loan USA may, without notice, suspend or terminate your ability to access the Site.

Authorized uses. Ready Loan USA authorizes you to use this Site solely for your own personal, non-commercial use. Any other use is strictly prohibited. You agree not to access, reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes any material at the Site. The Site is not directed at children under 18 years of age. Any use of the Site by anyone under 18 years of age is unauthorized and in violation of these TOU.

Proprietary Rights. Everything that appears on the Site is protected under the intellectual property laws of the United States and may not be used except as provided in these TOU. Ready Loan USA neither represents nor warrants that your use of materials displayed at the Site will not infringe rights of third parties.

Trademark Information. The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Site, are registered and unregistered Trademarks of Ready Loan USA and others. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of Ready Loan USA or such third party that may own the Trademarks displayed on the Site. You are also advised Ready Loan USA will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

Digital Millennium Copyright Act. The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under the U.S. copyright law. If you believe in good faith that materials hosted by Ready Loan USA infringe your copyright, you, or your agent, may send Ready Loan USA notice requesting that the material be removed or access to it be blocked. Any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer upon Ready Loan USA actual knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send Ready Loan USA a counter-notice. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see for details.

Inaccuracies at the Site. While Ready Loan USA uses reasonable efforts to include accurate and up to date information at the Site, Ready Loan USA makes no warranties or representations as to the Site's accuracy. Ready Loan USA disclaims any and all liability for the accuracy, completeness, or correctness of such information.

Security at the Site. While Ready Loan USA uses reasonable efforts to safeguard the security of the Site, there can be no guaranty that such safeguards will successfully prevent unauthorized alterations in the content or functionality of the Site. Ready Loan USA assumes no responsibility for any unauthorized alterations in the content or functionality of the Site.

Disclaimer of Warranties. Ready Loan USA MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE SITE OR THE PAYDAY LOANS THAT YOU MAY BE ABLE TO OBTAIN THROUGH THE USE OF THE SITE. THE SITE AND INFORMATION CONTAINED THEREIN IS PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Please note that some jurisdictions may not allow the exclusions of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties.

Limitation of Liability. Ready Loan USA shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Site. Your use of the Site is at your own risk. Ready Loan USA is not a financial advisor or institution, and shall not have any liability or responsibility for the decision to accept a payday loan through use of the Site. Ready Loan USA SHALL NOT BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THE SITE. IN NO EVENT SHALL Ready Loan USA' TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR USING THE SERVICES AVAILABLE THROUGH THE SITE.

Jurisdictional Issues. Ready Loan USA makes no representation that materials on the Site are appropriate or available for use in locations other than the United States. Those who choose to access the Site from locations outside the United States do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. Although you may access our Site from anywhere in the United States, payday loans are not available to residents of certain states, including New York and West Virginia.

Monitoring, Copying, Altering or Interfering With the Site. You agree that you will not use any robot, spider, Web crawler, screen scraper, automated query program or other automatic device or manual process to monitor or copy our web pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure.

General Information. These TOU shall be governed by and construed in accordance with the laws of the state of New York without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these TOU shall be filed only in the state or federal courts located in New York and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provisions of these TOU shall be unlawful, void, or for any reason unenforceable, then the provision shall be deemed severable from these TOU and shall not affect the validity and enforceability of any remaining provisions. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. This Agreement sets forth the entire understanding and agreement between us with respect to the subject matter hereof.


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My sister's wedding was coming up and I needed to buy her a gift. But my credit card was maxed out from a large home renovation 2 weeks ago, so I was in a real tight spot. A couple of my friends referred me to Ready Loan USA and the process was a breeze. It took less than 10 minutes to apply and I received the funds overnight, all from the convenience of my home.
Christine, New Jersey

Access Emergency Cash with Ready Loan USA

Financial emergencies can occur at anytime - whether you're worried about unpaid bills, burdened with un-budgeted expenses, or just simply have a need for extra cash before next payday, Ready Loan USA has got you covered! With a network spanning across over 200 short-term lenders, Ready Loan USA delivers proven results when our customers need them most.

We're Always Ready

Applying for a short term loan in person can be strenuous, time consuming, and at times even awkward. Ready Loan USA eliminates this process by providing you access to the cash you need literally in minutes, allowing you to deal with your emergency as soon as possible. Even better, customers can submit an application from the privacy of their own home, or even on their mobile device on while on the go. We are always Ready to help you solve your financial emergencies, 24 hours a day, 7 days a week.

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Why Should I Apply For a Short Term Loan?

Short term loans are useful for people who wish to relieve a short-term financial emergency or burden. Unexpected house repairs, medical bills, car troubles are just a few examples of how a short term loan can be helpful. Moreover, short term loans can be used to avoid costly interest fees for late payments or NSF charges. Applying for a short term loan now can either ease your financial stress today or prevent costly fees down the road.

Millions of Americans with steady incomes find that short term loans are the perfect solution to their short financial needs. Sometimes consumers find themselves short on cash and can't wait until their next pay day. A short term loan provides quick access to the money they need.

Apply With Confidence

As a premium and trusted online service provider, we respect and protect your privacy at all times. All data processed through the Ready Loan USA site is 256-bit encrypted, ensuring that all of your information is safe, secure and confidential at all times.

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