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About Us

InstantATM.com helps consumers find short-term loans during times of financial needs. We have all been there! You need money today, but you don't get paid until next week. We get it, and thats why we make getting the cash you deserve as easy and as fast possible. Our application process can be completed online, discreetly and securely, with funds deposited directly into your bank account. We connect you with dozens of lenders, providing nationwide payday loan coverage with one simple application.

Upon completion of our 3 minute application, you will know if you have been approved for your loan. We understand you need an instant answer, so we have stream lined our process so we can provide you one. If you are approved, your funds may be deposited in as little as 1-hour!

It's easy to apply online for a fast and secure short term loan of up to $1,500*. There is nothing to fax* and bad credit is OK**. Your short term cash loan will be deposited directly into your checking account by tomorrow!*

Frequently Asked Questions

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What are the requirements for a loan?

The minimum requirements for a payday loan are:

  • You must be at least 18 years of age
  • Have a job (or other regular source of income)
  • You must have an active open bank account

To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your application and determine whether you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.

If your application is accepted by a lender, your assigned lender may contact you directly and ask for additional information in order to approve the application. Payday lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your application matches their criteria.

In order to increase your chances of getting matched with a lender and ultimately approved for a loan, please be sure to fill out our application with honest verifiable information. For example, entering a cell phone number instead of a home phone makesit more difficult to verify your information and many lenders will not accept applications that cannot be verified. We do our best to find a lender for you, but unfortunately there's no guarantee that your loan application will be accepted.

How do I get a payday loan?

Simply complete the online application and submit it from our web site and we will attempt to connect you to a lender online within seconds.

If you are matched with a lender, you may be a required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and apply again to find a different lender.

Typically the proceeds of your loan will be electronically deposited into your bank account by the lender the next business day. You will have the ability to choose the payment option that works best for you. All payments are processed by your lender by electronic transfer from your bank account.

When do I get my money?

Once you have applied online, your information will be submitted to a lender that will attempt to contact you to verify your information and explain the terms to you. Once you have spoken with your lender, your cash can be in your bank account as early as the next business day!

How do I receive my cash?

The payday loan / cash advance is wired directly into your bank account by your lender. InstantATM.com works with a network of lenders, some of which can have money in your bank account in as little as 1 hour!

How quickly can I get my money?

Payday lenders typically process the loan immediately so that it will be available in your account the following business day after the loan is approved. Some lenders can wire the money to your bank account immediately. If you apply on a weekend or holiday, the money will be sent to you by your lender the next business day.

When do I repay?

Your repayment is the best part. The minimum required payment will be deducted from your bank account. You get cash when you need it most and repay when you have it!

Still a little short on payday? No problem! Generally online customers are automatically renewed every pay period. Just let your lender know when you are ready to pay in full, and your loan plus fees will be deducted from your bank account by the lender.

How long do I have to pay back the loan?

Your loan is normally due on your next pay date. However, most lenders will allow you to extend your loan by paying a fee.

What hours is your service available?

We accept applications 24 hours a day, every day of the year. However, once your application is provided to a lender, sometimes its procedures require additional verification which can only be done during normal business hours. Please keep in mind that the lenders can only electronically deposit money to your bank account on days when your bank is open.

You can submit your loan application to us at any time 24 hours a day 7 days a week. However, since we only match you with lenders who are available to help you in real time you may be more likely to find a lender during normal business hours (Mon-Fri 8 am – 5 pm EST) since not all lenders operate on weekends and holidays.

How do bank holidays affect my loan?

The following bank holidays are observed by Federal Banks and their branches:

  • New Years Day
  • Martin Luther King, Jr. Day
  • Presidents Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day

For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.

If your loan is approved on a weekend or bank holiday, typically your funds will be sent the next business day. You should contact the lender directly to confirm when the money will be deposited and the ACH department of your bank to verify that the funds have been credited to your account.

How much money can I have advanced to me?

Instantatm.com will help you get up to $1,500, based upon the information that you provide to us on the loan application. Your lender may offer you a smaller loan until you establish a payment history with them.

What are the loan fees for the cash advance?

Instantatm.com works with a network of lenders whose cash advance fees are among the lowest in the payday loan industry. The fees will vary depending on which lender you are matched with.

What if I do not get approved by the lender you matched me with?

Instantatm.com works with a vast network of payday loan lenders; however, we cannot guarantee that you will receive the loan you need. We do our best to match your application with a lender likely to provide you with a loan. However, payday lenders utilize proprietary criteria to evaluate applicants and may not approve all accepted applicants.

Instantatm.com is not involved in the loan approval process and therefore we do not have knowledge of the status of your loan. Please contact your lender directly for loan approval status.

What if my application is not matched with a lender?

Instantatm.com works with a vast network of payday loan lenders; however, we cannot guarantee that we can find a lender for you. If you are not matched with a lender, here are a few suggestions to improve your chances if you chose to re-apply:

  • Time of Day: Many lenders do not accept applications outside of normal business hours. You may want to re-apply during regular business hours – Monday through Friday 8 AM to 5 PM EST.
  • Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and re-apply.
  • Outstanding Payday Loans: Many lenders will not issue payday loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and re-apply.

What if I only have a savings account?

We have several lenders in our network that can lend you money even if you only have a savings account. Please contact your bank to get the routing number. This is needed in order to electronically transfer the loan funds to your account.

What if I have a fixed income or benefits?

As long as you have a steady stream of income, our lenders may be able to provide a loan to you. Enter your benefit provider as your Employer. If you do not have the telephone number of your benefit provider, enter your own telephone number. Enter the number of months you have been receiving benefits for the Months Employed.

What if I do not have a driver's license or state ID?

If you do not have a driver's license or a state ID, please enter your passport number or social security number.

Does your company do credit checks?

Instantatm.com is not a lender and we do not perform any type of credit check. We try to match your application to lenders in our network in order to find the right loan for you. Most of our lenders do not do traditional credit checks, however, they may query various consumer databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your past payday loan history.

Do I need to fax any information?

No, the application process does not require faxed documents. However, your lender may ask you to fax over certain information, such as a paystub, if they are unable to verify information in your application.

I am ready to get a payday loan / cash advance! Where do I go to apply?

Great! You can go to our online loan application and sign up today!

How do I receive my cash?

You will receive a confirmation email as soon as your lender approves your loan. Your lender automatically deposits your money into the bank account specified on your application via electronic transfer within one hour of approval. Your cash is now available for withdrawal!

Do I need collateral?

Payday loans never require collateral. Your lender determines approval based on your salary history and expected future paychecks for payment security. Collateral is not needed and your credit history is never examined.

What are my payment options? How do I pay my loan back?

Your payday loan is good for two weeks to 30 days, depending on your pay schedule. If you are paid bi-weekly, you can borrow a payday cash advance for up to 14 days; if your employer pays you monthly, you can borrow cash up to $1,500 for 30 days. Your loan payment is due in full at the end of the 14- or 30-day lending period on your next payday. If you can't afford your payment, you may discuss other payment plans with your online lender. Alternate payment options include renewing your loan for another term (called "rolling over") or paying in several smaller installments on each payday. Always discuss payment terms with your lender and make sure you fully understand all of your responsibilities before you borrow.

How many times can I take out a payday loan?

This depends on your lender and state laws. Many states have payday loan laws in place that limit the number of loans an individual can have active in a single calendar year. Some lenders won't lend to the same customer more than 4 times a year to reduce the risk of abusive borrowing practices. Carefully consider your financial situation and try to limit your borrowing to emergency situations. Relying on payday loans as an additional source of income or for financial stability will likely create a lot of unnecessary debt troubles. Treat payday loans as carefully and responsibly as you would any other consumer credit tool.

I've been turned down for bank loans in the past because of bad credit. Will my credit score affect my payday loan approval?

Online payday lenders will never examine your credit score. Even if other lenders have turned you down, you can still qualify for instant payday loan approval as long as you earn enough to pay back your loan on time. Approval is based on your past and future income, not your credit score, so whether you have bad credit, good credit, or no credit at all a lender will still approve your cash loan.

How do I know that your site is secure and my information is safe?

We work hard to guarantee the highest protection for your personal information. Our online application is secured with 128-bit SSL encryption to ensure the highest data protection for all information entered on and sent from our site. Your personal information is 100% secure and we will never share your information with any parties besides your lender.

Does submitting an application obligate me to take out a loan?

Absolutely not! You are free to change your mind at any time during the approval process before your cash is deposited, and submitting an application merely indicates your payday loan interest. When you submit an application, a lender will contact you to verify your information and discuss your cash loan options. If you decide you do not want the loan, simply tell your lender to withdraw your application.

Do you charge an application fee?

No. Submitting an application on our site is completely free.

Why does your application request personal information?

We ask for certain information both for your own protection and to tell your lender where to deposit your cash. We need your Social Security number to verify your identity and employment and to make sure that the person applying for the loan really is you. We ask for your bank account number to make sure your money goes to the right place. Our application is 100% secure and encrypted to protect your private information, and we never share your info with anyone besides your lender.