A payday loan or cash advance is an unsecured, short-term cash loan to help you until your next payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties.
Rates & Terms
The rates depend on the state, each individual application information and the lender the applicants are matched with. Typicallyour lenders may offer you a loan with an APR between: 200.25% and 1825% The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed. To see if you qualify and what rates would apply to you, you must sign up through our application to see the rate our lenders have available for you at that time. After you are matched with a lender, please consider the loan amount, fees and the details of the agreement with care. It is free and there is no obligation to see the loan and terms that, if you are eligible, will be offered before you accept and e-sign the loan. You are not obligated to accept a loan until you have agreed to the terms presented and e-signed the agreement. Until you accept the terms, you may leave the process at any time with no obligation.
What is your renewal policy?
Renewal policies are determined by the lender, not by us, so they will vary. But, be aware some lenders may not debit your account for the full amount of the loan, which may result in additional fees and a renewed loan. Make sure you read the renewal policy carefully and make your wishes clear to the lender.
Loan renewals: Your lender has renewal policies which will vary and could be automatic. With every extension or renewal, a new finance charge (“Extension Fee”) may be assessed by the lender, and the re-payment date may be extended until the borrower’s next pay date. The finance charges can be significant depending on the lender.
Implications of late or non-payment
The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. Repayment terms vary by lender, and it is essential that an applicant review the lender’s terms and conditions before entering into a lending agreement. Exact loan terms, along with dates for repayment and any fees chargeable in the event of rollover (i.e. late repayment), will vary by lender, and the applicant should review such information provided by the specific lender, before entering into a lending agreement.
Codes of practice and policies on responsible lending
The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. It is essential that an applicant reviews the codes of practice and policies on responsible lending of any lender, before he or she enters into a lending relationship. The lending conditions and requirements vary by lender, but representative general requirements of payday lenders may include:
*Monthly income equal to or exceeding $750.00
*Current, valid home and work phone numbers
*Current employment for at least 4 weeks
*Current bank account in applicant’s name
Be Careful with Your Debt. The accumulation of debt is an increasing problem not just in America, but across the globe. But, that is not an excuse. It is imperative that you understand how much your bills are, so you can begin to take control of them. Write down all your debt, rent/mortgage, auto loan, credit cards, college loans, insurance, medical bills, etc. It is important to see it written down. Call the companies you owe and tell them that you want to pay them back and are going to do so. The vast majority of companies are willing to work with you to develop a plan to pay them back. The first step to getting out of debt is to take control of the problem.
*The Operator of this website is not a lender and does not make cash advances or credit decisions. Not all lenders can provide up to $1000. This site will match you with the best cash advance lender based on your application. The operator of this Website is not an agent or representative of any service provider and does not endorse any service or product. Cash transfer times may vary between lenders and in some circumstances faxing may be required. Completion of this application in no way guarantees that you will be approved for a cash advance offer. This service is not available in all states and the states serviced by this Website may change from time to time and without notice. We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment. If you do not pay your loan according to its terms, your lender may: * Charge you late fees * Send your account to a collection agency * Report your information to a consumer reporting agency, which may negatively affect your credit score * Offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest. Typically lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders.
NOTICE: PLEASE BORROW RESPONSIBLY. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.
Please Note: The name of this website (our URL) is not a literal interpretation of the loan or repayment period. The length and repayment details of the loan are determined by the approving lender.