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If you need cash in a hurry, a payday loan shouldn’t be your only option. Where refinances are available varies by state , you may refinance your loan or credit services transaction by logging in as a returning customer prior to your due date and applying for a refinance. Here's how the scam allegedly played out: The online payday lenders required borrowers to provide bank account information so they could deposit the borrowed funds electronically and withdraw the repayment amount from the account later. Most lenders allow you to have payments deducted directly from your bank account. Try to find out the annual percentage rate APR and the finance charge including loan fees and interest, among other credit costs of different options before you select a credit offer. All cash advances subject to approval pursuant to standard underwriting criteria. A detailed description of each states terms and rates can be found on our Rates & Unsecured personal loans written off page . Terms and conditions apply. We’re confident that upon your application’s approval you will have the money in your account the same working day.