Daylight Saving Time Can Affect Payday Loan Processing Time

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Daylight Saving Time (DST) begins this Sunday, March 14. If you are a payday loan consumer, you will want to account for the time change when applying for a loan. Daylight Saving Time can affect the time it takes to process your application and distribute your funds.

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This Sunday, March 14 at 2 AM, most of the United States will "spring forward" to Daylight Saving Time, "losing" one hour of the day. The clocks will stay one hour ahead for the next eight months. Daylight Saving Time affects more than just sleep schedules and clocks, however-it will also influence how and when you receive payday loans.

With the exceptions of Arizona and Hawaii (the states that do not observe Daylight Saving Time), payday loan borrowers all over the United States may be influenced by the time change. Typically, payday loan applications take longer for lenders to process during the months of Daylight Saving Time. In other words, borrowers must submit their loan applications earlier than they otherwise would because the business day is shorter.

In many cases, payday funds will not appear in borrowers' accounts as quickly, so payday loan customers must plan their financial expenditures accordingly. For instance, loans that used to take one business day to transfer to a checking account may now take two because of the time difference. For unprepared borrowers, this may cause complications with overdue bills, overdrawn accounts, and so on.

"At, we want our visitors to have payday funds from their lenders in the most expeditious manner possible. Because Daylight Saving Time often throws a kink into the processing of loans, we want to inform borrowers as early as possible to prepare for the time change. With a bit of preparation, borrowers should still be able to get the money they need within a reasonable period of time," said an spokesperson.

To prepare for possible Daylight Saving Time delays, payday borrowers should submit their loan applications as early in the day as they can and during regular business hours, if possible.

One of the most established payday companies online, has been serving its visitors for over seven years. is unique in that it works as a payday broker service, matching visitors with the best of many competing payday lenders in its vast network. is not itself a lender. For more information about, please visit


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Kimberly Carte
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