Poor Credit Is OK Banks will tell you that poor credit is like a death sentence, but as far as we are concerned it's OK. Just so long as you haven't been avoiding paying other payday lenders and your outstanding debts are reasonably old.
We Won't Pester You If you've applied at other lenders then this will mean a lot to you. If you don't end up taking a loan with us, we won't be cold calling you non-stop for the rest of your life. We know that no means no.
Transparent Fees Our fees are clearly and transparently detailed in the contract. You'll see the full rates before you apply for a loan. We don't need to disguise our rates in order to get customers because we are confident and secure in all of our business practices.
Getting Your Loan
Fill Out Our Application
You need the following items to complete the application:
Name and address
Phone number
SSN
pay schedule
employment info
Verify Banking Details Install our banking tool to send a copy of your banking records to us to verify the details in your application.
We Send Your Money The funds are transferred to and from your account using ACH, either same day or next business day depending on a number of factors.
Any Concerns? Any problems at all in the application and you can reach us by phone (757-215-4798) or email (support@myvirginiapayday.com).
Lending Responsibly
No Rollovers Permitted Rollovers are unconscionable and we will never use them. The idea of forcing a customer to take on unwanted credit is completely against all of our principles and we categorically reject them.
Cosigners We don't and will never require a cosigner on a loan, nor will we ever attempt to collect your debt from your friends or relatives.
Disclosure 100% disclosure is how we do business and we only wish that the payday industry as a whole followed these practices.
Remarketing Unless you ask us to find you a loan with a different lender, we will not release your private information to anyone for marketing purposes except as disclosed in our privacy statement.
