1. Choose a payday loan lender. This is arguably the most important and time-consuming portion of the payday loan process. There are many cash advance lenders available online. It is important that you review the terms and conditions for each lender and the service they supply. Finally, choose a service provider you are most comfortable with.

2. Complete the application. Filling out an online loan form usually takes no more than a few minutes. You will be asked simple questions such as how much cash you would like to borrow till payday, and when is your next pay day. Once you submit the form, you may be contacted by some lenders for further information such as your most recent bank statement, and your latest pay documents.

3. Receive the money. Once your payday loan is approved, which can take anywhere from a few minutes to one hour, the loan funds can be wired directly into your account allowing you to use them immediatly. Alternative payment metohds can be arranged.

4. Repay the loan. In most cases, you repay your loan on your next payday using your debit card. If you would like to obtain another payday loan or extend your current one, you will need to contact your payday lender for specific instructions on how to extend your cash advance.