"Thank you, I highly recommend your site to many. A friend of mine was also approved and very impressed with your company. Thank You again for your assistance." --D. Pierce
Frequently Asked Questions
- What is a cash advance loan?
- What services are provided by the operator of this website?
- What documents do I have to provide?
- What are the requirements for approval?
- I have poor credit. Can I still get approved with AeroAdvance?
- How much can I borrow?
- What are the Fees and Annual Percentage Rates ("APRs") of a payday loan?
- How do I find out if I'm approved?
- When do I get my money?
- What if I pay off my loan early?
- What is the renewal policy?
- What is the late payment policy?
- What is the non-payment policy?
- Can I have more than one loan with AeroAdvance at a time?
- How do you make money?
What is a cash advance loan?
A cash advance loan (also called a payday loan) is a small, short-term loan that's typically between $100-$500. It is used to help with unexpected expenses such as car repairs, household emergencies, or bill payments. They can be a great source of emergency cash, but need to be paid back when you receive your next paycheck.
What services are provided by the operator of this website?
The operator of this website provides a referral service for consumers seeking online lending options and complies with applicable federal laws and regulations pertaining to this service. The operator of this website can be reached by mail at LightSword, 4023 Kennett Pike, Suite 167, Greenville, DE 19807, or by email at contact@lightswordmedia.com. The operator of this website is NOT a lender. Loan amounts, APRs, fees, repayment options, and all other lending terms, conditions, and procedures vary by lender. It is essential that a loan applicant reviews the lender's terms and conditions before entering into a lending agreement.
What documents do I have to provide?
Most lenders will require absolutely nothing! The process is usually paperless and requires no faxing. However, you should print your loan documents so you have a hard copy to refer to.
What are the requirements for approval?
Most lenders will require that you have a current job, a valid checking account, be over 18 years old, and be a U.S. citizen.
I have poor credit. Can I still get approved with AeroAdvance?
Because cash advance loans are secured by your paycheck, poor credit usually doesn't matter. To find out if you're eligible, simply complete an application. It's free and there is no obligation.
How much can I borrow?
The lender that accepts your application will approve you for a certain amount, which may be as high as $1,000. However, most new customers will be approved for less, more likely in the $400-$500 range. Most lenders will allow you to increase your loan size once you have an established borrowing history.
What are the Fees and Annual Percentage Rates ("APRs") of a payday loan?
The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. Lending fees and APRs are determined solely by the lender, and these terms and conditions vary by lender. Applicants should review the loan disclosures/terms and conditions offered by a lender before signing the loan agreement.
The operator of this referral service website is NOT a lender and does not charge an application fee to consumers. A user of this website is under no obligation to enter into a lending agreement with any lender.
How do I find out if I'm approved?
Once you complete the application, if a lender approves you, you will be redirected to their electronic signature page. You will also receive an email from them, and may also receive a phone call.
When do I get my money?
Most payday lenders will be able to deposit your loan into your checking account by the next business day, and will use a direct funds transfer. This means your money will be directly deposited into your account via ACH (automated clearing house).
What if I pay off my loan early?
Please check with your lender for repayment schedule and options, including options for paying off your loan early.
What is the renewal policy?
The operator of this website only provides a referral service for consumers seeking online lending options and is NOT a lender. Renewal policies vary by lender. Applicants should review the loan disclosures/terms and conditions offered by a lender before signing the loan agreement. Exact loan terms, along with renewal policies, will vary by lender.
What is the late payment policy?
The operator of this website only provides a referral service for consumers seeking online lending options and is NOT a lender. If you are unable to make a scheduled payment, please contact your lender as soon as possible to work out options, which might include an extension. More than likely, additional fees will occur in the event of a late or partial payment. We recommend reviewing the late payment policy detailed in the loan documents you received from your lender prior to providing your electronic signature.
What is the non-payment policy?
The operator of this website only provides a referral service for consumers seeking online lending options and is NOT a lender. Policies will vary by lender, so you should review the loan disclosures/terms and conditions offered by a lender before signing the loan agreement. The lender we match you with may initiate actions for non-payment. You may be charged additional fees in the event you are unable to repay your loan. If the lender chooses to pursue collections of past due accounts, it will be done with conduct that is fair and reasonable, and that is in accordance with all state and federal laws.
Can I have more than one loan with AeroAdvance at a time?
Since AeroAdvance is not a lender, yet works with many lenders, you may complete the application multiple times to see if you might qualify for more than one loan at the same time. However, due to their high interest rates we recommend you do not take out multiple payday loans. Excessive use of payday loans may accelerate debt problems, so we encourage you to consider payday loan alternatives.
How do you make money?
When we successfully match our applicants with a lender, AeroAdvance receives a commission from that lender. If we can't match you with a lender, we don't make money. This ensures that we work hard to partner with many lenders so we can help you get the loan you need, all while giving you the best service possible.
*THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. Providing your information on this Website does not guarantee that you will be approved for a cash advance. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $500. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Cash advances are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a cash advance based upon lender requirements.
**Typically lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders.
