Frequently Asked Questions

What is PLCA?

PLCA stands for Payday Loans and Cash Advances. We provide a way for people looking for a short-term loan to be connected with the most lenders at one time with out effecting their credit. Our lenders are all licensed and certified in offering the best short-term loans online.

How Does The Loan Process Work?

Simply apply by using the online application found on this website and submit it to our network. You will then receive an instant decision with in a few minutes. Once approved agree to the rate and terms and your funds will arrive by direct deposit as soon as the next business day.

Do I Need Good Credit?

No! All credit types can apply. Good credit, bad credit or no credit everyone gets access to the best short-term lenders online.

Do I need collateral?

No! All of are lenders do not require any type of collateral. Keep the deed to your home and the title to your car.

When is PLCA Open?

  We are open 24 hours a day so you can apply for a short-term loan at anytime.