Payday City

Tuesday, 4 July 2023

Guaranteed Payday Loans Canada Up To CA$5000

Are you facing unexpected financial problems and lack of sufficient cash in the middle of the month? Don’t have time to apply for loans from traditional banks and financial organizations? Don’t run around for cash advances and apply for guaranteed payday loans Canada no matter what your credit score is. Canadians can get emergency cash with direct online loan payments and deal with unexpected financial challenges in comfort without having to ask for help from loved ones. Now is the right time to apply for e-transfer payday loans in Canada with instant approval and pay off all your debts.

What Are Guaranteed Payday Loans Canada?

Payday loans are short term loans that usually allow you to borrow up to $5000 on your next pay day. Guaranteed payday loans are designed to cover any emergency expense and can be easily repaid in small easy installments. Generally, online payday loans for bad credit in Canada are approved on low credit scores, which make them a favorable option for people with poor credit history.

Get Instant Money from Payday City — To Enjoy All the Little Moments in Life

No Credit Check
No Need For Perfect Credit
No Collateral Required
No Need To Wait Long
Instant Approval
No Loan Advance Fee

How Do Guaranteed Payday Loans Work?

Simple terms and conditions, flexible eligibility criteria, and multiple benefits encourage cash-strapped people in Canada to apply for guaranteed payday loans and eliminate all financial problems with available cash. Many payday lenders in Canada provide guaranteed payday loans instant approval and bad credit individuals also they meet the eligibility criteria, adhere to the terms and conditions of the loan, and promise to make timely repayment of the borrowed funds.

Apply Online: — Apply through our simple online application form and we will only ask you for essential information.
Quick Approval: — We will review and verify your information and outline your loan terms, which you can easily e-sign online. It only takes a few minutes to complete and your loan is approved!
Cash in 15 Minutes: — Once your loan application is approved, your approved money will be sent to your bank account within 15 minutes.

What Are The Minimum Eligibility Requirements For Availing The Guaranteed Payday Loans?

You must be 18 years of age or older
You must have a regular source of income
Need to be a Canadian citizen
You must be able to satisfy us that you can comfortably repay your loan

5 Reasons To Choose Guaranteed Payday Loans When You Need Them?

1:- Simplicity: –

Today’s busy individuals prefer loan products with simplicity and flexible terms and conditions. They do not want to waste their valuable time and resources in applying for conventional loans and completing various time consuming formalities. The bad thing about traditional banks and financial organizations is that their loan application process is complicated, and the terms and conditions are often overly rigid.

Because of this, many people are automatically ineligible for conventional loans. Guaranteed payday loans in Canada are renowned for their simplicity. Employed Canadians with regular monthly income and active bank accounts are eligible for such loans. They can submit their application online using any internet-enabled device and get an instant response from the chosen lender. This way they will not have to wait for several days to know the status of their application.

2:- Flexible Terms and Conditions: –

A large number of direct payday lenders offer guaranteed payday loans in Canada. The good thing is that they always cater themselves to connect with the maximum number of borrowers and sell their financial product as quickly as possible. They keep the terms and conditions of the loan quite simple to attract the attention of the interested customers.

Hence, regular borrowers can easily find a credit lender that offers small payday loans with simple terms and conditions and easy eligibility criteria. Once you start the loan application process then there is no need to avail the loan. If you feel that the loan package is unsuitable for your needs, you can reject it at any time without facing monetary penalties and without facing questions from the lenders directly.

3:-Transparency: –

You can find detailed information on guaranteed approval payday loans in Canada from the Internet and from independent loan experts around the world. Direct payday lenders who provide such loans to individuals do not hide anything. They provide complete information about the loan package and help you determine whether it is suitable for you or not. Based on the information received, you can decide to take a suitable loan as per the situation.

4:- Simple Online Application: –

Guaranteed payday loans in Canada are known for their simple online application process. The applicant just needs to select a particular lender and submit his application from their website with all the correct information. Once your application reaches the credit lender, a team of loan specialists begins to verify the information supplied and determine whether you should get the loan or not.

The accuracy of the information provided, your current and past income status, credibility as a borrower and other factors play an essential role in the approval of your application. If the lender is convinced that your financial position is stable and you can repay the borrowed amount as per the agreement, he will approve your application immediately. After approval, you will get the requested loan amount in your bank account via online transfer.

5:- Funds For All Cash Emergencies: –

Direct payday lenders do not place restrictions on the use of guaranteed payday loans. So you can use the money received to meet almost all urgent financial obligations that suddenly appear and cannot be postponed. Direct payday lenders recommend using such loans only for an unavoidable financial emergency because of their negative impact.

Let’s say you repeatedly take out guaranteed payday loans to meet luxury needs. In that case, the chances of defaulting on the loan are high due to the high interest charges applicable on the borrowed money. Be careful when applying for guaranteed payday loans and use them only to meet necessary financial commitments.

Why Choose Guaranteed Payday Loans No Matter What in Canada From Direct Lenders?

This is the reason why people prefer to apply for guaranteed payday loans no matter what in Canada when they have an unexpected financial emergency.

Up To $5000 In Credit
12 Months No Interest 1 If Paid In Full In 12 Months View Details
Soft Credit Inquiry Pre-Qualifying Will Not Affect Your Score
No Long Term Commitment
Low Minimum Payment
No Penalty For Prepaying Your Dues
All Payments Are Reported To A National Credit Bureau

The Importance of Guaranteed Payday Loans In Today’s Modern World!

These days, modern people have many needs- thanks to the latest technology and scientific developments. Many people buy many products and services with the available money to make their life more comfortable. For example- Having a car allows individuals to easily move from one place to another and attend all important events on different dates. But a sudden breakdown of the car’s engine forces them to arrange extra cash to repair the damaged vehicle.

In today’s world, where the lives of individuals are quite busy, no one wants to take loans from traditional banks and financial organizations as they have to complete various formalities one after the other to get the required loan. Traditional lending agencies take longer time to process the loan application and release the required funds. Therefore, guaranteed payday loans from direct payday lenders in Canada are very helpful when you have an unexpected financial emergency and are in need of quick cash.

FAQs

How Can I Access My Borrowed Money?

You can lend money for almost anything such as: cars, bikes, boats, consolidation, medical, household items, vehicle repairs, holidays, the list goes on — just ask us!

Do You Lend Money To The Self Employed?

Yes, we lend money to self-employed people for their business or personal needs.

How Long Does It Take To Process My Loan Request?

As long as your loan application is approved, the funds will be transferred to your bank account instantly on the same day of application.

When Can I Submit My Application?

We are open 24/7 and even on national holidays, so you are free to apply for instant payday loans with guaranteed approval with us at any time.

Can I Prepay My Loan?

Yes, you can pay as many times as you want without penalty.

Guaranteed Payday Loans No Matter What Canada 24/7 Approval

The pandemic situation has an adverse effect on the working people unable to manage the average monthly expenditure. Due to job losses, office closures, pay cuts, low wages, and many other reasons, most of the working class in Canada is facing a severe financial crisis. Who is unable to earn a living. At a time when you are in financial trouble. Looking for a way out of this trouble.

So chances are high that someone will suggest you apply for a guaranteed payday loan online for bad credit no matter what in Canada 24/7. For the first time, arranging fast cash withdrawals from guaranteed payday loans in Canada can be a viable idea for you. Which has the tagline “Guaranteed”, but the following varies by city. You get different sides of the story. So, to address the dilemma of whether payday loans with guaranteed approval in 2022 really exist. Payday City has come up with this blog to provide you with the necessary information.

How Do Guaranteed Payday Loans In Canada Work?

Guaranteed payday loans in Canada are designed for people in difficult financial situations. These small loans typically have high-interest rates, and repayment terms last up to 30 days. The lender can provide you with a security code and tracking number so that you can track your loan’s progress easily. If you need help making your payments at any time, the lender is available 24/7 to help out.

Applying For Guaranteed Payday Loans: Take These Steps To Get Your Application Approved By The Credit Lender

First and foremost, make sure you have an accurate estimate of your current financial needs. Next, gather all the necessary documents – your bank account statements, pay stubs, and proof of residency. Finally, apply online with our easy application process – no personal information is required. Once you’ve completed the application process, check your application status online to see if you’ve been approved. You’ll soon get your cash advance or loan if everything goes according to plan. Happy borrowing!

What Are The Eligible Criteria For Payday Loans?

In order to qualify for guaranteed payday loans no matter what Canada 24/7. You need to meet the requirements criteria, no matter what. Criteria that must be met do you know them:

Be 18 years of age or older.
Be a Canadian citizen or permanent resident.
Have sufficient income to repay the loan amount borrowed. You must earn at least $350 weekly, and no more than 50% of this should come from payments.
Have a home address and valid identification in Canada.

Can I Get A Bad Credit Loan With Guaranteed Approval or No Credit Check in Canada?

Looking for guaranteed payday loans no matter what happens in Canada? Payday loans where applicants are assured of this fact. That the loan applications will be approved, no matter what. But in reality, such loans are not even in Canada and not before. You have to understand the fact that lenders provide loans to some such individuals. Those who are in urgent need of cash and contact the online lender for the same. Creditors check the repay the loan capacity of the borrower. Do not put the bank’s money at risk in the hands of risky defaulters in any way.

So, first, clear the air that no such thing as a guaranteed payday loan exists. There is a clear possibility of facing loan rejection based on not having enough income to prove, incomplete personal details, and much more. For example, traditional banks have a very low level of risk. Because private lenders accept applications from only 20-25% of borrowers. Those who have a good credit rating and income spectrum. At the same time, 70-80% of the applicants have been rejected. On the other hand, the approval rate through online payday lenders is around 90%.

On the grounds that such strict terms and conditions are not prescribed. But borrowers need to understand the hidden fact of paying higher interest rates and loan charges in the end. Income spectrum. Whereas, 70-80% of applicants have been rejected. On the other hand, the approval rate through online payday lenders is around 90%. on the grounds that such strict terms and conditions are not prescribed. But borrowers need to understand the hidden fact of paying rates and loan charges at the end.

Nevertheless, many borrowers applied for payday loans in the post-Covid-19 scenario to tide over the unforeseen financial crunch. According to a survey conducted by Acorns, 80% of borrowers take payday loans primarily to meet monthly expenses. 40% of borrowers who have been taken by traditional has been rejected. , Banks got the much-needed financial support from online payday lenders.

Can A Guaranteed Payday Loan Interest Rate Change Depending On My Financial Situation?

To reiterate the claim that there is no such thing as guaranteed payday loans with instant approval in Canada in 2022-2023. When the financial condition of many people is on the ground. We have to provide you with the fact that no lender will take the risk of giving money to a borrower who is unable to repay. Specifically, in situations where payday loans with guaranteed instant approval are only for short-term periods. Payday loans come with a repayment tenure of 14 days to 62 days and a high APR rate of 400%. And the higher interest rate varies according to the lower cities.

Province	Interest Rate (2-Week Term)	Fees Per $100 (2 Weeks)	APR
Alberta	15%	$15	391%
Manitoba	17%	$17	443%
British Columbia	15%	$15	443%
Ontario	15%	$15	391%
Nova Scotia	19%	$19	495%
Saskatchewan	17%	$17	443%
Prince Edward Island	25%	$25	652%

On top of that, you can deduct the costs associated with payday loans which are always high. So, why would any online private lender take the risk of giving a loan when the borrower’s application is to be rejected during the initial stage itself?

Types of Guaranteed Payday Loans Canada?

So, to help out Canadian people looking for ways to arrange some short-term loans. Payday City has come up with some alternatives to guaranteed approval for bad credit payday loans.

Personal Loan With Guaranteed Approval:- You have the option to apply for unsecured personal loans with bad credit in Canada. So that quick cash arrangements can be done for a longer duration and not be preferred for a repayment period of 14 days. For this, you need to maintain your credit history in a stable condition to convince the lender that you can repay well on time.

Credit Card Lending With Guaranteed Approval:- Credit card advance cash is one of your saviors to arrange some emergency cash without falling into any debt trap. The interest rate charged under credit card cash advances is low. For example, if you withdraw cash from your credit card using an ATM. So you are charged a $5 cash advance fee and the interest rate can be up to 22.99%.

Line of Credit With Guaranteed Approval:- Line of credit is another viable option for you to arrange some emergency cash. Especially in the sense of having equity in your home that can allow you to arrange plenty of cash at reasonable terms and conditions.

Guarantor Loan With Instant Approval:- If you are not eligible for any loan. So you can take the help of a guarantor. Who is in a good credit position and can help you to apply for a no-refusal loan without a credit check? These loans are quite cheap compared to other financial sources.

Fast Payday Loans With Guaranteed Approval:- This is a special service for working individuals to get an emergency cash advance of $100 from their upcoming salary. It is paid on payday. There is no interest rate in this financial offer. But you will have to pay extra charges for late payment.

Overdraft Protection With Guaranteed Approval:- If you have overdraft protection on your chequing bank account, then you have the liberty to avail overdraft monetary protection facility. Overdraft protection has limits and you can easily pull off some cash at an interest of up to 22% per annum.

Emergency Fund With Guaranteed Approval:- It is not a loan but a financial strategy for people to save some cash for emergency circumstances. You can have some funds in advance to meet fiscal issues at any point in time.

Micro Investing With Guaranteed Approval:- Investing in micro-investing is one of the ways to arrange some cash during emergency circumstances. This is unlike a big investment but a small one to make your monetary position goes strong in the long run.

How To Prevent Yourself From Loan Sharks In The Canadian Loan Market?

While applying for payday loans, be aware of the warning signs that a loan shark is targeting you. Some common signals that you’re in danger include high-interest rates, unexpected fees, and aggressive phone tactics. To protect yourself, it’s essential to be aware of the warning signs and take steps to prevent yourself from being taken advantage of. Ask tough questions from credit lenders regarding the loan and conduct background checks necessarily. It will help you protect your interest in the best possible way and avoid getting in touch with potential loan sharks.

What Happens If I Don’t Repay My Guaranteed Payday Loan In Canada As Agreed Upon?

If you don’t repay your guaranteed payday loan in Canada as agreed upon, the lender may take various legal actions, such as filing for bankruptcy or seizing assets. Depending on the seriousness of the debt and how much money is owed, you may be subject to jail time and heavy fines.

Terms and Conditions of Guaranteed Payday Loans in Canada

If you’re struggling to make ends meet and need a little financial assistance, a guaranteed payday loan can be a great option. These short-term loans are offered by lenders who guarantee to pay the borrower back within two weeks, no matter what. The high-interest rates can be highly burdensome for many credit borrowers. Ensure you read the terms and conditions carefully before applying, as several hidden charges can add up quickly.

Friday, 5 May 2023

Instant Payday Loans Canada 24/7 Up To $1500

In the past it used to be a struggle for people to apply for instant payday loans Canada 24/7 with banks and other traditional lenders. It took a whole day to organize the many documents and take them to the banks and wait in line for loan applicants.

With time, things kept on evolving which made it easier for the people. In today's time, it is important not to go through a lengthy banking process while applying for a payday loans no credit check instant approval 24/7 Canada have eased your banking struggle in Canada.

A large number of people have adopted this convenient option for the purpose of safety and comfort. You can also go through direct lenders for this option and get your requirements in safe hands. Otherwise, your existing problem may become more serious.

Are Government Profit-Days Helpful in Getting instant payday loans Canada 24/7?

Yes, you can get instant payday loans Canada 24/7 if you're receiving government benefits, but you'll be sensitive to your own exemption. Although lenders want their money back, they focus on what kind of income you currently have. You would-be income earners guarantee them that they will get their money back on time which is the biggest concern for all the lenders. So if you are not working anywhere then don't worry but suddenly you may need money.

What Steps Should Be Taken If One Needs An Emergency Instant Payday Loans Canada 24/7 But Does Not Have A Bank Account Or Credit Card?

If you have neither a bank account nor a credit card, you don't have to worry about anything. Though lenders usually lend you money from one advantage to another and in the case of e-transfer payday loans, you need it the most. But still, there are many direct lenders that can help you with money in a similar card when you don't have a bank account or credit card. Many lenders can pay you cash through cash, but you will pay them.

Can I Still Be Eligible For A Instant Payday Loans Canada 24/7 If I Don't Have A Good Credit Score?

Yes, you can get instant payday loans Canada 24/7 even if you have a bad credit score. Once you find out that your credit score is not in good standing, most of the lenders or banks do not assist you with your funds. But this does not mean that you cannot get a loan because your credit is bad. Many direct lenders can help you with this because they don't require good credit. After all, your credit score doesn't matter to them.

Is It Possible To Get A Instant Payday Loans Canada 24/7 Without A Refusal?

Yes, if you work with an organization for at least a few months then you can get a instant payday loans Canada 24/7 without any denial. This shows that regular income from your employer is taking into account of your checking expenses. Direct lenders close directly in your checking site via e-transfer after meeting your requirements. Also, you have refrained from giving consent while filling the loan application. Sometimes, assumptions make mistakes throughout the process, only to leave them with denial.

Friday, 8 April 2022

My Loan Payment is Past Due, Is There Anything You Can Do to Help Me?

There are some financial situations in life when people want instant cash availability from a reliable source. They want it to meet the immediate monetary requirements without any further delay. At such a critical juncture, e-transfer payday loans Canada 24/7 or you can say wired cash loan in a bank account is available for the people to arrange funds easily. Besides this, there is another dilemma faced by existing borrowers who could not make repayments on time and are looking for a solution.

In both cases, the matter is of financial and immediate concern which needs to be disposed of in time. With regard to the same, we have prepared this particular blog to answer the most important yet relevant questions of the borrowers, which is the best way to arrange fast cash for a short tenure and make timely repayment. So, without any further delay, let's get started on that.

Is That Possible to Arrange Funds on the Same Day?

That’s the most common query of people looking forward to applying for installment payday loans with guaranteed approval and coming across this particular offer. In reality, yes you can get the loan amount transferred to the bank account in a matter of an hour only. But depends on the situation and your profile.

In case, your online loan application reaches the correct time towards the lender and he immediately approves the same by looking at the correct information shared by you, the lender will instantly transfer the funds to your personal checking account with no delay at all.

This practice is being followed to meet the emergency financial circumstances of borrowers with ease and comfort. It is because the format of cash wired in 1 hour is made in such a way that it is meant for urgent financial needs that cannot even a single day met the same.

Is Credit Check Allowed in Emergency Loan Bad Credit Guaranteed Approval?

This is what a majority of borrowers are concerned about the most. Whether a lender will perform a cumbersome credit checking process or not. The answer to that is no, loan lenders are not at all interested in checking your credit background to foresee the past payment mistakes and judge you on that basis.

Under the virtue of e-transfer payday loans like this, lenders are not only concerned about your fixed monthly income and approve the loan on the same itself. So, you need not face the hassle of a tedious credit checking process. Moreover, get an additional opportunity to fix up the negative credit scores by paying the pending dues by using the loan funds.

How to Apply for Guaranteed Loan Approval With No Credit Check Online?

Applying for instant payday loans with guaranteed approval is the simplest thing to do by borrowers. As the loan is available online, borrowers need to drop at the lender’s online platform, fill up an online application form using their personal details along with the required loan amount, and then submit the same. Once approved by the lender, then you will receive a confirmation along with an NDA (Non-Disclosure Agreement) generated online.

The most important part of this loan is the NDA document which is generated online from the lender’s side. It contains important information like the loan amount finalized, interest charges, processing fees, late payment charges (if fail to repay on time), and other relevant details inside. Now, borrowers need to sign that NDA document after reading all the terms and conditions and send it back to the lender for instant approval.

What are the Things to Consider While Applying for Small Payday Loan?

There are several things that are necessary to consider by borrowers while applying for this particular loan offer.

* Reputation of the Lender: The first and foremost thing to consider about this short-term approval loan offering is the genuine availability of a lender. For this, you need to check the reputation of the lender based on the previously satisfied borrowers, positive ratings, earlier success rate, and the certification mentioned on the website itself. Once checked all these factors, then only apply for the loan without thinking much.

* Interest Charges: The Interest rate on such guaranteed payday loan offerings differs from state to state in Canada and that too is based on the financial rate that prevails at that particular time. Therefore, better check the APR (Annual Percentage Rate) on such loan in your province and then compares the same with other lenders.

* Loan Duration: Another important consideration to make is the loan duration. As already mentioned about the small nature of the loan offer, then you should give preference to an offer only that has a maximum of 30 days of duration.

* Late Payment Charges: It is also relevant to check before applying for the loan offer. Quite often, borrowers get indulged in the unusual practice of missing the loan payment and have to face late payment charges. As per the instant payday loans online guaranteed approval rules governed by the authorities, no lender can charge the late payment fees more than the already prescribed one. So, you need to check the same as well.

What is the Loan Payment Is Due? Is There Any Help Available?

Well, that’s an important point to cover, especially for those, who have failed to make the repayment on time or thinking of facing the same issue. If you do that, then you will definitely be levied with the late payment charges you need to repay with the existing amount.

As for the help, there is no such assistance you can expect from the lender’s side due to the present terms and conditions. Also, not forget the signed NDA that displays the fact that you have to repay the amount on the due date itself.

Apart from that, you can take the assistance of a friend to arrange the much-needed cash for your assistance. The other way around is to let anyone in your family apply for an e-transfer instant payday loan online guaranteed approval to arrange funds that you can utilize to pay off the previous loan. Once received the payday, then settle the new loan as well.

No matter what, you have to arrange cash to make the repayment well on time. So, better to prepare well in advance to make things seamless and smooth with no hassle at all.

Frequently Asked Questions

1. Is It the Payday Loan or a Personal Loan?

It is a payday loan or you can say a no credit check loan guaranteed approval direct lender offer available for salaried people. But unlike the restriction of making a repayment in 14 days, borrowers get the flexibility of returning the loan amount in a matter of 30 days.

2. What Could Be the Reason for Applying for This Loan?

There can be any reason you have when thinking of applying for this particular loan offer. It can be using funds for a personal set of expenditures or making some repayment or anything you like. Lenders do not pose any restriction on borrowers to reveal their reason for using the loan amount.

3. How to Improve the Profile While Applying for a Loan?

The best way to do that is to keep your information and requirement correct in the eyes of lenders. Also, share the proper employment details with the lender to secure your approval and funds transfer on the same day itself.

4. Is That Possible to Extend the Loan Duration?

In some cases, yes you can extend the loan duration after having a consultation with the lender. Otherwise, it is not possible to extend the duration and you have to repay within the prescribed matter of 30 days. So, better to stick to the time limit with no further delay. Because if you do that, then late payment charges will be levied.

PaydayCity Provide 24/7 Payday Loans Where Ever You Are In Canada!

Payday Loans Alberta

Payday Loans Manitoba

Payday Loans Saskatchewan

Payday Loans Regina

Payday Loans Edmonton

Payday Loans Vancouver

Payday Loans Ontario

Payday Loans British Columbia

Payday Loans Burnaby

Payday Loans Nova Scotia

Payday Loans Scarborough

Payday Loans Oshawa

Payday Loans Saskatoon

Payday Loans Calgary

Payday Loans New Brunswick

Payday Loans Northwest Territories

Payday Loans in Yukon

Payday Loans Prince Edward Island

Friday, 25 March 2022

How Can I Get My Due Date Extended?

For quite some time, guaranteed payday loans in Canada, have been considered as the new form of arranging short-term cash instantly. Also, known as e-transfer payday loans Canada 24/7 fiscal assistance that allows people to arrange a small sum of cash for a limited period of time, say like 14-days. It mainly helps salaried individuals to meet unexpected financial crises with ease by relying on this particular loan and getting the required amount credited in the checking account.

In addition with all the good points attached with short-term payday loans Canada in the form of payday advance. There is always a list of questions and doubts, running over the mind of borrowers. Well, the most important among several ones is, “How Can I Get My Due Date Extended”.

In general, all the borrowers who are interested in laying hands on no refusal payday loans in Canada are aware of the terms and conditions that the financial assistance is available till the next paycheque only. That means borrowers have a maximum time limit of 14 days for repayment.

Despite that, you need to know something about the loan due date extension. Well, it can be or cannot be extended, depending on the discretion of the lender. Still, you may know related information to that. Concerning the above, you need to know the following details regarding the e-transfer instant loan Canada date extension.

Read Related Articles: -

Why Use a Private Lender 2021 -2022
Spring Financial Secured Savings Loan in Canada
Borrow Money Online - When Banks Say NO, We Say YES
Does Cash Advance Hurt Credit Score
Guaranteed Payday Loans No Matter What in Canada
Same Day E Transfer Payday Loans Canada 24/7
Payday loans for unemployed on benefits Canada
Instant E-Transfer Payday Loans Canada 24/7 No Documents
Loans Canada No Credit Check with No Employment Verification
Unsecured Debt Consolidation Loans Bad Credit in Canada
Payday Loans that Accept Child Tax Credit Benefit Canada
1 Hour Loans No Employment Verification In Canada
Guaranteed Installment Loan Canada No Credit Check Paid Over 3-6 Months