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What are long term payday loans?

Long term payday loans are ones that have repayment periods that are more than 1 month or 30 days. 30 days is the normal length of a payday loan. But you can also request an installment loan that is paid back over a few months, sometimes 6 or even 12 months, just like regular loans. Also, they often have greater loan amounts compared to traditional payday loans.

Lending criteria to apply for long term payday loans

Lending criteria vary from state to state because they have different criteria and laws. You can review your state’s lending laws on your state’s website. But here are a few lending criteria that are pretty common. You need:

  • To be at least 18 years of age or older
  • To have a valid ID or license
  • To have a valid bank account
  • To have a phone number (cell is just fine) and email address
  • To provide other information as required by your lender

It is important to understand that long term payday loans often require better credit or higher income levels than normal payday loans. The process of requesting a loan is the same, we refer you to lenders seeking the kind of request you submit.

Benefits of requesting long term payday loans online

There are many licensed and properly run longterm payday loan lenders online. Offline lenders have stores and you have to drive around, find a storefront, and complete an application with each one. No sense in wasting your time and gas money doing this! You can request your long term payday loan online in just minutes, less time than to drive to just one storefront. And your request will be presented to our 120 lenders. This means your request is more likely to be accepted. Of course, not all requests can be fulfilled.

Why CashOne is the best place for longterm payday loans?

You may be one of many people who need a loan right away. Perhaps your car broke down or you have a doctor bill to pay or your rent is overdue. Whatever the reason you need cash fast and cannot wait until your next payday.

You have already tried to get money every way possible and need help. You are looking for a longterm payday loan with a company you can trust. That is why you have come to CashOne, a long-standing American company that has served so many for 15 years.

There is no cost to you for using our services. We have been in business for almost 15 years and have worked hard to find licensed, legitimate lenders to serve you. You only pay your loan fees if you are accepted by a lender. And it is fast, secure, and easy to request a loan. We have served over 500,000 customers and look forward to reaching the 1 million mark. Our payday loans online service has made the difference to many Americans, and we are not an untrustworthy offshore company like so many others.

Get the best long term payday loans at CashOne. It only takes minutes and can be your answer to that emergency cash need you have… RIGHT NOW!

Long Term Payday Loan FAQs

Can I get a long term payday loan online with bad credit?

Yes, you can get a longterm payday loan online even with bad credit. Most people requesting a payday loan have poor credit and lenders are used to working with bad credit. In fact, most approvals are for people with poor credit. Not everyone will be approved for bad credit payday loans but we are proud to have an 80% acceptance rate by our lenders.

Will a long term payday loan cost a lot?

All payday loans are considered expensive. Even though they are typically shorter loans that are fee-based when viewing them with APR in mind they can be costly. Of course, compared to 4 NSF fees from your bank for a few checks that will bounce, the fees are much cheaper. So, it depends on your circumstances. We always recommend you only request a loan if you have tried other ways to get the money.

How do I make a repayment of a long term payday loan?

Repayments depend on the length of your loan. For short-term (30 days or less) payday loans, you repay the loan in full plus your loan fee. For long term payday loans, the length of the loan determines your repayment schedule. Often you either make a payment every 2 weeks or once a month. Be sure to ask your lender about your repayment terms before you agree to accept any loan. If you are not confident you can make the repayment(s) as specified, then you should not accept the loan.

These loans are emergency use loans and should not be considered a way to finance non-essential purchases.


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