Payday Loans provide you with an unsecured, short-term cash advance loan until your pay day.  Customers choose a pay day loan/advance to cover small, unexpected or emergency expenses while avoiding costly bounced check fees from their bank or late payment penalties from other service providers, like credit card companies.  With a Greenlightfunds.com cash advance payday loan you can apply on line in a simple and easy process and have your payday loan electronically deposited into your checking account over night or in some cases on the same business day.  It is a quick process, which is both confidential and secure, and requires no visit to a payday loan storefront location.

Fill out the online application and electronically sign your loan document, if approved your loan proceeds will be deposited directly into your personal checking/savings account via ACH (electronically). When your loan payment is due, the finance charge will be automatically debited from your checking/saving account unless other payment arrangements are made. Your deposit (credit) and payment(s) (debit) will show up on your bank statement as Greenlight, Greenlight Loans, Greenlight Funding or Greenlight Credit.

Greenlight Funds does not check your traditional credit reports with Experian, Equifax, or Transunion. However in order to verify your identity in accordance with the U.S. Patriot Act we will obtain a report on you from tele-track, telecheck and/or clverify bureaus. In addition we will use this report to verify your credit worthiness in connection with your application for credit with us. Should you default on your loan with us you may be reported to one or all of the credit reporting bureaus.

As soon as we have ALL the information from you that we need, the approval process takes about thirty minutes. We send email confirmations of loan status to all applicants regardless of approval or denial. Please be sure to check your email for your loan status before contacting us. Due to increased email spam - some email service providers, notably yahoo, hotmail and aol - our email may end up in your spam filter or junk email. Please be sure to check your spam/junk email box and check for emails noted with “greenlight-application status” in the subject line. You can also call in one hour after submitting your application to check the status of your loan. Once your application is approved your loan will be deposited electronically into your bank account on the next business day, in most cases by 9:00 A.M. Eastern Standard Time.

Greenlightfunds.com is one of the few internet cash advance companies that is able to process your loan and have the money deposited into your account the same day via a bank wire. Example: If you need your loan before the weekend, we can process your application on Friday and put the money into your account on that same Friday. Your Loan must be approved and processed before 3:00 P.M. Eastern Standard Time for this option. For same day processing of your loan there will be an additional fee of $ 20.00 to cover the cost of the bank wire which bill be deducted from your loan proceeds.

Greenlightfunds.com offers loans in the amounts of $50.00 to $500.00 for your first loan with us. We use various factors in determining the loan amount that we can extend to each customer based on our lending guidelines. Once your loan is approved you will be emailed and/or phoned with the maximum loan amount we can offer you and will receive an email with your loan approval disclosure. Should your loan approval amount be for a lower amount than you were seeking, you may simply call us or email us at support@greenlightfunds.com and request to cancel your loan. Should you be approved for a larger amount than you were seeking simply email us with your requested loan amount (in $50 increments between $100.00 to $500.00) and we will adjust your loan amount and send you a confirmation email and new loan approval disclosure.

You will be emailed and/or phoned to let you know your application status within one hour of us receiving your application during our normal business hours of 9:00 A.M. – 6:00 P.M. Monday-Friday Eastern Standard Time. Applications received after our normal business hours will be processed in the order they were received on our next business day.

If approved you will notified via email and/or phoned.

No. In most cases you will not be required to fax any documents into us. However, you may be required to fax or email documents if we are unable to verify the information you provided on your online application. You will receive an email telling you which documents are required to fax or email into us, should this be required. If you don’t have a fax machine available either at home or work, you have many options to send us a fax. Various office stores, including Kinko’s, Office Max, Office Depot and Staples have a copy/fax department that will send us your fax for a nominal fee. Also, public libraries typically offer a fax service. You may also email us documents to support@greenlightfunds.com if you are required to submit any additional documents to support your online application.

We try very hard to ensure that we receive every fax in a timely manner. Try to fax to our alternate number. Our toll free fax numbers are 1-800-914-4181 or 1-800-207-0811. Our fax machines are operational 24/7/365 for your convenience.

We will notify you by email and/or phone on the status of your loan request. We will call you if there is a question or problem with your application.

The cost of your loan is less than the cost of not having the cash you need when you need it – overdraft and bounced check fees, late payment fees, reconnection fees, even losing your job because you can't get to work! Actual fees are determined based on the information you provide when you submit your loan application. The fee on your loan will be in between $ 15.00 to $ 30.00 per $ 100.00 borrowed. In compliance with Federal Regulation Z the loan fee expressed as an Annual Percentage Rate (APR) on a typical 14 day loan will be in between 391.07% and 782.14%. Your fee will never be more than $ 30.00 per $ 100.00 borrowed. You can also refinance your loan on your due date.

To make payment arrangements on your loan, you must contact us at least three business days prior to your due date either via email: support@greenlightfunds.com, fax: 1-800-914-4181, or phone: 1-800-914-1574. Please include in your correspondence, your full name, the last four digits of your social security number and the amount you would like to pay toward your loan.

In most cases you will have to pay the amount owed on your next payday, if your payday comes sooner than 6 days, it will be the payday after that. A normal loan duration is no less than 7 and no more than 28 days.

You have the option of refinancing your loan with Greenlightfunds.com - you do not have to do anything to select this option. You only need to notify us if you want to pay your loan in full, or pay down on your loan principal above your minimum required payment disclosed in your approval email.

In that case you will need to call us at 1-800-914-1574, send a fax to 1-800-914-4181 or an email to us at support@greenlightfunds.com within 24 hours of the approval of your loan. If your loan has already been sent to your account, we will debit your checking account for the loan (principle) amount and no fee will be charged.

You can refinance your loan, we will disclose in your approval email if you must start paying down at least $25.00 on your loan every time you refinance until your loan is paid off. Your fee will decrease each time you pay toward your loan principal as your fee is a percentage of your loan balance outstanding.

Your loan pay down requirement will be disclosed in your approval email. We request you pay down a minimum of $ 25.00 toward your balance to help pay off your loan more quickly.

Yes, your loan will be due on your next payday. If you require a monthly extension and we approve your monthly extension request, your fee will be assessed at the monthly extension fee in the amount of your loan fee times two. Your remaining principal balance will be due in full on your next due date.

Yes, you must receive at least $ 1,000.00 monthly to qualify with most kinds of benefit income.

Yes. You can apply for another loan at www.greenlightfunds.com three business days after paying off your current loan in full. This information is based on typical circumstances and is subject to change. To re-apply for another loan, simply visit www.greenlightfunds.com and resubmit a new application for your loan request.

Yes. Once you have paid off four loans, your fee will be decreased by $5.00 per $100.00 borrowed, from our $30.00 per $100.00 standard borrowed rate. Once you have paid off ten loans your fee will be decreased by $10.00 per $100.00 borrowed from our $30.00 per $100.00 standard borrowed rate. Once you have paid off fifteen loans, you are eligible for our lowest rate of $15.00 per $100.00 borrowed.

Please email us your old information along with your updated information to support@greenlightfunds.com , or you may also call us at 1-800-914-1574 or fax us at 1-800-914-4181 or you may request us to email you a Customer Change of Information Form (CCOI).