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Online payday loans can be an amazing solution to your short-term financial troubles because they are easily obtained and easily repaid, and the costs associated with them are highly comparable to other forms of credit as long as they are repaid on time. Bad credit or no credit is not an issue; we successfully pair 92% of the people who apply through with at least one lender.

Implications of Late Payment

If you are unable to repay your loan on time for any reason, please contact your lender as soon as possible. Late payment fees are set by your lender in accordance with the regulations in your state, and lenders also determine their own policies in regard to how they handle late payments. There are several courses of action that your lender may take, so you should check your loan agreement for specific information that pertains to your lender.

Implications of Nonpayment

Financial Implications – The cost associated with short term loans of up to $500 ranges from 15% to 40%, and these costs may climb even higher for loans that are greater than $500 in value. Before you sign your agreement, you should check these fees carefully. Similarly, there may also be charges applied for nonsufficient funds. As an example, if your $100 loan is 15 days past due, you may be assessed a charge that is equal to 10% of the principle balance as well as a $25 nonsufficient funds fee.

Collection Practices – Many of the lenders in our network stick with in-house debt collection practices rather than selling your debt to an outside collection agency, and they will never sue you or threaten criminal charges against you. Your lender may attempt to collect your debt via email, postal mail, telephone, or text message, and they may offer you a settlement so that you can repay your debt over time. All of our lenders are required to adhere to the Fair Debt Collection Practices Act which protects you from harassment. You can contact your lender for more information about its specific policies.

Impact on Credit Score – Lenders are within their rights to file reports with the three major credit bureaus—Experian, Equifax and Transunion—if you fail to repay your loan. This negative remark will lower your credit score and may make it impossible for you to obtain short term loans or other forms of credit in the future. However, once you have repaid your debt to your lender in full, this will be reported to the credit agencies and the negative remark will be removed from your credit history.

Renewal Policy – Some of the lenders in our network participate in what is known as automatic loan renewal. Simply put, if your loan is beyond a specific amount of time past due, your lender will rollover your loan. This may be offered to you in addition to options like repaying your loan in full at a later date or repaying your debt in installments over time. The minimum term for an automatic renewal is 15 days and you will likely be required to pay renewal fees and additional interest charges.

Disclosure of Fees Including the APR

The APR associated with your loan stands for the annual percentage rate, or the amount of interest you will be expected to pay in relation to the length of your loan term. Most of the time, the APR for short term loans ranges from 260.71% to 1825.00%, though this can vary somewhat. Although the APR associated with short term loans is higher than that associated with other forms of credit, it is still considerably less than the charges associated with overdrafts and nonsufficient funds. Please see below for a cost comparison.

• Nonsufficient Funds with Bounced Check Fee: $45 total charge, 1173.21% APR
• Overdraft Fee: $40 charge, 782.14% APR
• Late Fee: $20 charge, 521.43% APR
• Short Term Loan: $10 charge, 260.71% APR

Payday Loans In USA

Payday loan which is as well known as payday advance, small dollar loan, salary loan, short term loan, payroll loan, or cash advance loan, is a relatively small loan that you can acquire from an establishment that is not a bank. In most cases, this is a kind of loan store from which you generally borrow just enough money to get you through till your next salary. You may use postdated checks as collateral in this kind of loan establishments. They, however, put a relatively high interest rate on the loan, there are cases where the interest rates will be as high as four hundred percent. Some of the jurisdictions limit the APR (annual percentage rate) that lenders can charge, in order to prevent excessive and unreasonable interest rates. This kind of loan depends strictly on the previous employment and payroll records of the consumer. The rules governing payday loans vary between different countries and even states. There are jurisdictions that outlaw this kind of establishment entirely, and we have some that with very few restrictions on payday lenders. The interest rates for these loans in the United States were formerly restricted in most of the states by the USLL (Uniform Small Loan Laws), with a 35 to 40 percent Annual percentage rate as the standard. There are three major facts that should be watched out for in all payday loans in the United States. • Unsecured and easy to acquire • The annual percentage rate is extremely high • Short term and risky for both parties involved From analysis, we have seen that payday loan businesses make customers become dependent on them, and this makes it difficult for most customers as they end up taking loans at several different payday loan establishments, which makes the situation worse. If possible, payday loans should be avoided if you are such an individual that does not handle loans properly and on time. There are other sources you can consider, such as credit union banks, that have begun to provide similar service at much lower interest rates. If you are, however, swimming in a payday loan debt, there is hope for you to clear your debt. You might need to start paying partial payments to stop the cycle on your loans. All you need is to ensure that you have food, pay your house payment or rent, keep the power on, and every other cash goes to breaking the debt cycle. If you do not make enough to cover the current obligations, then you need a swift change in situation. The need to get a second job may arise, or need to sell your house or car if the payments are too huge to handle.
1Start your application
Getting a short term loan starts with submitting the quick application that we have provided. We will only ask you for the information we need to get you the loan you request. We also protect your information with 256-bit secure SSL encryption technology so you can rest assured we are concerned about your privacy.
2Get Results Fast
After your application has been submitted, you will receive offers from one or more lenders in our network. Please take the time to review each offer carefully — including all of the costs and terms — before selecting the one that best suits your financial needs.
3Start your application
After you have found the offer that you like best, you will need to provide your electronic signature which will enter you into a contract with your chosen lender. Only then can that lender deposit the offered funds into your bank account on the following business day.