rates are amoung the lowest on the web. To qualify you must have a job, payroll direct deposit, a bank statement and a few more simple items. Bad credit, no credit, good credit are all OK with us. The amount you can borrow depends on your net monthly income. How long you can borrow the money depends on your paydays. Payday loans are designed to meet your short-term cash and financial needs. Your account information is saved for whenever you want to return. If you maintain your good credit with us you can come back as often as you want another loan.