Frequently Asked Questions

United Capital Finance has assembled this FAQ page based on what quests inquire most during a loan process. If you do NOT find the answer you are looking for, please contact us
at +1 202-539-0510

For the qualification process, you will need:

  • ONE form of Identification (State Issued ID, must be VALID and not expired)
  • ONE Current Pay Stub
  • Access to Online Banking

We offer same day approval.

We do not have a set interest rate for our loans. Rates and fees are calculated individually based on the amount of your loan from us and how long the loan is open for.

Yes! You can set up an account via one of our prepaid debit cards through Payday America where you will need to set up Direct Deposit and can be used as your checking account.

Yes, we do a credit check.  

Payday America will do a hard inquiry that may impact your credit score. If you proceed with taking out the loan, your repayment information may be reported to the credit bureaus.

Payment can be made using a Debit Card or ACH fund transfer. There is a $4.95 service fee for debit card payments.

Your qualified amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

The loan will always be withdrawn the morning of your next pay date.

If they are paid on the same day, then yes, we can use more than one income.

Yes, we are open on the majority of the federally recognized bank holidays. The only Holidays we close for are: Thanksgiving Day, Christmas Day and Easter. * All other holidays may be subject to shorter open hours of operation.

Your payment will automatically be processed on your due date through your provided checking account. You can pay your loan early with a debit card by calling 1-877-374-9150. If you choose the pay by phone option a $4.95 fee will be added to your payment. Your payment must be made before 6 pm on the business day before your loan due date.  

Yes! There are a couple of different ways you can take out another loan.

  1. If it is paid through your checking account, you must provide Payday America with a screenshot of a positive balance and a screenshot of your ACH payment clearing before applying for another loan. If a screenshot is not provided you will have to wait 4 business days.
  2. If you pay with a debit card, you can take another loan out the same day by applying online.

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