Welcome to Citrus North
Help With Payday Loans Online When You Need It Most online citrus loans can help you today!
When things seem to fall apart, a quick and convenient online payday loan from Citrusnorth.com can help you get it back together.
With Citrus North,
there is no application fee!
directly into your bank!
See how we can help
Are you in need of cash fast? Are you in need of money to pay for an unexpected expense before your next payday comes around? We’re here to help.
What are payday loans?
A payday loan is like getting a cash advance on your paycheck, without having to ask your boss for it. You fill out a short form online and are approved instantly! The money is available to you by the next day.
Before, payday loans could only be completed in person at payday loan kiosks. Now, with Citrus North, you can apply for your loan from the comfort of your own home online, twenty-four hours a day, seven days a week.
Payday loans are meant to cover relatively small expenses, rather than large expenses (like a house or car). They can be an important support for you when you have unplanned payments to cover.
For example, if you have an unforeseen medical bill, or if you need your car has broken down and need to take it to be serviced, you can apply for a payday loan to prioritize the emergency. You pay it back as soon as your next paycheck comes in.
How much can I get for a payday loan?
Most payday loans range between $50-$1000, but slightly larger quantities may be considered, as well. The amount is limited because the expected purpose of the loans is to cover necessary expenses, rather than to provide funds for investment or large purchases.
The actual amount you may be approved for depends on the state you live in and on your income, and how long you have had your current employment.
When I am approved, how do I get my money?
During the application process, you are required to provide bank account information. Once you are approved, the money is deposited directly into your bank account. This makes the money available to by the next day. Having it deposited into your bank account also makes it easy for you to make any payments as you normally would, without having to wait for a check to arrive in the mail.
Do I qualify for a payday loan?
Qualifying for a payday loan is easy. The main requirements are:
- You must be a US citizen over 18 years of age.
- You must have to have a checking account.
- You must have proof of steady employment over the past several months.
This last qualification is to make sure you are able to pay back the loan quickly, and finish the transaction so you no longer have to worry about it.
What if I have bad credit?
Even if you have bad credit, that doesn’t disqualify you from receiving a payday loan. Everyone is evaluated on a case-by-case basis as soon as his or her application is submitted. Our high quality customer care service invests time in your specific case to see if we can be of service to you.
How long do I have before I have to pay it back?
The payday loan is meant to be paid back as soon as your next paycheck comes in – a maximum of two weeks on most occasions. Paying back your loan is just as easy as getting the money!
What if I pay back the loan late or if I can’t pay my loan?
If for some reason you are unable to pay back the loan on the day agreed upon, no problem. You will just be required to pay a late fee. If you want to avoid the late fee, it is important to pay back the loan on the date agreed upon over the loan process.
Depending on the state you live in, it may be possible to request an extension. In this case it is important to contact us and speak to the manager about your case.
If you can’t pay back your payday loans, and are incurring debt on multiple loans, you may want to consider the payday loan consolidation program. It helps to reduce the balances and interest of your current payday loans, even if it is with multiple companies.
What are the benefits of payday loans?
You might be thinking about applying for a payday loan about now, but you might not be completely sure about how it could benefit you, or are worried about any potential repercussions of applying for one. Here are the main benefits of getting out a payday loan with Citrus North.
- It’s Fast
We know that unplanned expenses and emergencies are time sensitive. That is why we make sure the process is as fast as possible so you have access to the money requested as soon as possible. When you apply and meet the requirements, you are approved instantly. The money you were approved for is available in your bank account the next day.
When you owe money, we know that it cannot wait.
- It’s Private
Citrus North guarantees personal privacy from the moment you apply until the moment you pay back the loan and forever after that.
We value your privacy highly, and for this reason we have highly trained customer service experts to assist you and maintain complete privacy as you request, receive, and pay back your payday loan.
- Just What You Need
You get exactly the amount that you need so you don’t need to pay interest on anything you didn’t as for. If fixing your car costs $235, you can request that exact amount on your application.
- It’s Easy to be Eligible
The eligibility requirements are simple, and it doesn’t matter if you have bad credit. You only need to be a US citizen, at least 18 years old, have a steady job, and have a bank account that received direct deposits.
- Once You’re Done, You’re Done
From start to finish, the process only takes two weeks. Once you receive your loan, you pay it back once you have received your paycheck up to two weeks later, and you are done. Your emergency was covered, your debt was paid, and you are back on track.
- No Future Binding Agreement
Citrus North doesn’t have a need to get in contact with you again after you have paid back your loan and interest. You are not required to continue to pay interest or to apply for more loans in the future.
Of course, if you need Citrus North’s services in the future, we would be more than happy to help you out!
Still Not Sure if a Payday Loan is For You? See if Any of These Scenarios Apply to You
Peter’s wife got in a car accident and, even with insurance, he has to pay a $600 deductible. Peter doesn’t get paid for another week and he just spent his savings on a big car repair. He loves his wife and he doesn’t want her to worry about anything else except for healing. Where will he get the money?
A friend tells him about payday loans with Citrus North, and he decides to give it a shot. From the hospital, he fills out the application form, and he is accepted instantly. Early the next morning, the $600 he needs is in the bank account. His wife is discharged from the hospital, feeling much better, and the bill is paid.
Luisa has been happy with her job as a customer service agent for many years. The downside is that she has to commute to work for 45 minutes every day, and her boss is quite strict.
On Friday evening, after leaving work, Luisa’s car breaks down. She is out of sick days after coming down with a bad flu at the beginning of the month, and she knows that if she doesn’t show up to work on Monday, they will deduct much needed pay from her paycheck or, even worse, lose her job.
She gets her car towed to a shop, where they estimate that getting her car fixed will cost $375. They are also going to charge her $50 for getting the car towed. She runs a strict budget and simply can’t pay for her car to get fixed until she gets paid next Friday. But if she doesn’t have a car, she can’t get to work.
What can Luisa do? Finally, she decides to try getting out a payday loan. They fix her car over the weekend and it is ready for her to take to work by Monday morning.
Michael has had a string of bad luck with the banks over the past several years. He was the victim of identity fraud in 2006, and has been dealing with the consecuences of bad credit ever since. He has been working at a diner for a few years, but is ready move out of his parents place and into a place of his own.
Michael found an apartment closer to the place he works, but he has to pay a security deposit of $400 in addition to his first months rent. He has enough for his first months rent, but won’t be able to cover the entire security deposit until he gets paid.
He knows that he has to take the apartment now, or he’ll lose it, so he decides to take out a Payday loan to pay the additional $300 he needs to cover the entire security deposit.
While he was apprehensive at first (it was his first time asking for a payday loan) he went for it. The next day, he had the $300 he needed to complete for $400 security deposit, and was able to move into the apartment immediately. He paid back his loan as soon as he was paid a week and a half later.
Do either of these scenarios resonate with you? If so, it might be time for you to consider taking out a payday loan with Citrus North the next time you are in a bind.
What the Skeptics Say…
Many skeptics say that getting out a payday loan is very costly and not necessarily worth the interest. However, we at Citrus North do our best to offer you a fair interest rate that is feasible within your budget.
Additionally, as the American Banker magazine published, payday loans are a good thing for millions of people. Often, the emergency that represents at least a day lost of work may be much more costly than the interest charged by payday lenders.
Before taking out a Payday loan, it is important to inform yourself, and make the best decision for your situation. Make sure you qualify, and that you are able to pay back the amount of money you requesting in the two-week period after the approval.
At Citrus North, we want to make sure long lending processes and bad credit doesn’t come in the way of you meeting your needs and being able to deal with emergencies adequately. We provide top customer service and provide you with the information you need to make the best decision for your particular situation.
If you have any additional questions, feel free to chat with us or get in touch with us through our website.
What are you waiting for? Apply for your payday loan with Citrus North today!
Pay day loan eligibility
With loans online, just like with any loan you would receive from a bank or other financial institution there are certain qualifications you must meet in order to be eligible to receive an online cash advance. In most cases pay day loans require the following:
1. The individual must be a US citizen
2. The individual must be 18 years or older
3. The individual must have a checking account eligible for direct deposit
4. The individual must have had steady employment for the past few months
Granted the last 2 qualifications can vary from lender to lender, but the majority of lenders stick to these as standards. Having a checking account eligible for direct deposit is common with online payday loans because that is the way your loan will be given to you. Showing the lender proof of steady employment is important because it assures the online payday loan lender that you will have a way to repay your loan (usually on your next payday).
Benefits of pay day loans
Money problems are running rampant in America. Due to the recession people are in between jobs more than normal and living paycheck to paycheck is unfortunately very common. People that can associate with this way of life find pay day loans beneficial for many reasons including, but not limited to:
1. Specific Amount – Pay day loans can be taken out for the amount you need, and the amount you know that you can pay back. If your struggle is a $400 emergency doctor’s bill then there’s no need for you to get a large loan from the bank for two or three thousand dollars. Having the ability to tailor the loan to your specific need will allow you to be confident not only in paying your unexpected bill, but in your ability to pay it back.
2. Quick Payback – Many people who take out pay day loans are surprised to see the lack of “red tape” regarding the method of repayment. Because pay day loans are given in small amounts it is easy for the lender to set up a simple repayment method with the borrower. As mentioned earlier, when you finish the application for a payday loan online you will be presented with the timeline for repayment which is usually based on your paycheck schedule.
3. No binding agreement in the future – One of the best things about pay day loans is the fact that once you have paid your loan back the transaction is over. The payday loan process can literally take 2 weeks from the time you apply online, get approved, receive your direct deposit and pay your lender back!
4. Because the loans are secured on your paycheck there is often no credit check. If you have bad credit this may not matter for payday loan lenders.
If you are interested in learning more about how a payday loan can help you please fill out our free online application or call our toll-free number to have a no obligation consultation with one of our representatives today!
Popularity of payday loans online
Online payday loans are becoming more and more popular because of how efficient they are. We put you in touch with the direct lender. After filling out the online application and getting approved an individual can see the payday loan from direct lenders only, in their account within the next business day! For years the only way a person could apply for and receive a pay day loan was to go to a freestanding store. Thankfully that’s not the case anymore! No more waiting in line or worrying about when the store may or may not be open; with online payday loans the entire process can be completed from the comfort of your own home. Some online payday loan lenders require that you fax in some information for the application but not us! We don’t assume that everyone has access to a fax machine and we make sure that our entire application can be filled out with a computer and an Internet connection. When you are approved for a payday loan online you will be given the amount of money you need, the repayment schedule, and a list of any penalties and/or fees associated with paying late.
Are you struggling with overdue bills? Are you worried about where the money will come from before your next paycheck? Maybe you are in need of a payday loan. Payday loans help thousands of people every day get money fast in order to pay unexpected or emergency bills. With payday loans online the application process is quick and painless. You’ll just be asked to enter a small amount of information and about you and your finances and you will know immediately if you have been approved for a payday loan. Online payday loans are really the way to go! They are quick and truly effective. The amount of a payday loan is completely up to you, so don’t hesitate and let us help you today. Call our toll free number so one of our representatives can give you a no obligation consultation today!