Do you need cash now, but payday is still days or weeks away? Have unexpected bills left you scrambling for cash? You don’t have to stress. You can request a payday loan and get approved as quickly as today, and get your cash as soon as the next business day, if approved.
We provide a free service that aims to quickly connects customers with lenders that offer loans that may work for them. Our online service is entirely free and works to find potential lenders in our network. Simply complete and submit our online request form. If we find a possible lender, you will be presented with the next steps to complete your loan request. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline. We encourage you to always read the terms of your loan thoroughly before accepting them, no matter where you get your loan.
Remember that short-term loans should only be used as a last resort option in situations of financial emergency.
A Payday Loan Can Help
With a payday loan, you can get approved as quickly as today, and get your money as soon as the next business day. Please note the following requirements to qualify to request a payday loan:
• Be 18 years or older
• Be a citizen of the U.S. or a permanent resident
• Have a current job that you have held for at least the past 90 days
• Have a checking account with your name on it
• Provide a working home phone number and e-mail address
Once you have fulfilled the requirements above, you will be eligible to request a payday loan. Don’t get hit with another late fee – request your payday loan today!
Less Than Perfect Credit? No Problem!
It can be hard to get the money you need if you don’t have a perfect credit score. You don’t have to stress! So you can still request a loan, even if your credit is less than perfect.
Of course, it is important to keep in mind that since this is a loan, a failure to repay can hurt your credit as lenders can report your nonpayment to the major credit bureaus. If you feel you may not be able to repay your loan on time then contact your lender immediately. Your lender will do its best to help you get your loan repaid.
How Much Can I Borrow?
What you can borrow is based on how much you earn. Typically, you can borrow as much as $1,000. The lender may base the amount on the information in your loan request. Before you borrow, you should consider how much it is you need. A payday loan will incur interest and processing fees – meaning that the more you borrow the more you will have to pay on your loan. You should only borrow what you need.
If you get approved for a payday loan, you might find you got approved for more than you actually need to cover your expenses. It can be tempting to borrow the full amount you were approved for, but you should think this through. Everything you borrow must be paid back- usually by your next payday. If you can’t pay back your loan on time, you could be subject to high penalty fees. Some people even get stuck in what are referred to as “borrowing cycles”, where they start by borrowing more than they need, pay it back at payday, and then have to borrow again just to make up for the additional amount they borrowed. This cycle continues and in the long run will cost the borrower large sums of money from interest and fees.
You Could Receive Funds as Soon as the Next Business Day!
You can be approved for a payday loan as soon as the next business day. People turn to a payday loan because of the quickness and convenience of getting the cash needed in a short amount of time. If you have an unexpected bill or emergency car repairs then you know you can’t afford to wait to get the money you need to get back on track. A payday loan can have cash in your bank account as soon as the next business day!
Here is how it all works:
1- Make sure you satisfy the requirements listed above
2- Determine how much money you need
3- Take a few minutes to fill out the short loan request to be connected with a lender
4- You can get approved as soon as the same day you request a payday loan
5- You can have money directly deposited into your bank account as fast as the next business day
It’s quick and convenient!
Your Information is Protected
Your privacy is important to us. We use advanced encryption technology to protect your personal information.
If you need money, get started today. A payday loan can help. You can be approved as soon as today, and get your money as fast as the next business day.
APR – Annual Percentage Rate
The annualized interest rate you get charged on a cash loan is called the APR, or annual percentage rate. We do not function as a lending service, meaning that it doesn’t handle the disbursement of loans; however, it does actively refer people to lenders who regularly provide cash loans, and never does it charge any fees at all for its service. Being that it isn’t a lender, We cannot give you details on the specific APR that you will see with your loan. Please note that annual percentage rates can vary according to the exact information that you include in your loan request, plus the information that your lender supplies to you.
The lender you end up working with will make sure you get details about the APR, loan finance charges and any additional applicable terms at the time that you are redirected to your loan agreement during your loan request process. For assistance with our services of any sort, you can contact us.
YOU CAN BORROW $700 FOR 14 DAYS WITH A $40 TO $80 LENDER CHARGE. YOUR ESTIMATED APR WILL BE 148 TO 297 PERCENT.*Cash loans are somewhat costly in comparison to other loan types. You are not advised to use cash loans as a long-term financial solution; rather, you should only use them in emergency situations.
*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End Calculation: ($40 / $700) * (365 days / 14 days) x 100 = 148.98 percent High End Calculation: ($80 / $700) * (365 days / 14 days) x 100 = 297.96 percent
Important Implications to ConsiderWe make reasonable efforts to only work with lenders who give customers detailed information about loan terms and conditions prior to acceptance of a loan offer. You are advised to always carefully examine the conditions and terms of any loan offer that you get. For additional details regarding these specific considerations, take a look at the Lending Policy and Rates & Fees sections found on this website.
Should you are approval for a cash loan, your lender will make it a point to inform you of the exact fees and interest rate connected to your loan before you formally agree to their offer. As previously stated, we are not a lender, and we are not able to tell you what interest rate and fees will be part of the loan offer. Please keep in mind that you are never required to agree to any specific loan offer that you receive.
When you agree to the conditions and terms on a specific loan offer, you basically are agreeing to pay back the finance charge and the loan principal within the amount of time you find specified in your lender’s loan documents. Extra charges could apply if it turns out that you are not able to pay back your loan in full, or if you make a payment after the scheduled due date. We do not have the ability to predict what charges or fees you will be assessed in the event of late payment, partial payment or nonpayment. Also, we do not have any control over knowledge of the specific loan details between you and the lender with whom you are working.
Please be sure to view the partial payment, nonpayment and late payment policies that are thoroughly detailed in your lender’s loan documents. We make a concerted effort to only work with reputable lenders who are absolutely committed to pursuing collections of delinquent loan accounts in a manner that is completely reasonable and fair.
We do not make credit decisions nor do we conduct a credit inquiry on consumers. Some lenders on our network may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders typically do not conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.
Once again, we do not function as a lending service, and in addition, we never engage in any debt collection practices. The lender whom you work with will, in their loan documents, provide you with information regarding their collection practices. If you find that you are a bit unsure of the collection practices that a lender engages in, we suggest that you make it a point to discuss this issue directly with the lender. We make reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct and in compliance with the provisions of the Fair Debt Collection Practices Act by the Federal Trade Commission.
Before you accept their cash loan offer, your lender will present to you some loan renewal options. Make it a point to carefully comb through their loan renewal policy before signing their loan documents. Remember that state regulatory laws are largely responsible for governing loan renewal policies.
The intention is for cash loans to be used strictly as a short-term financial instrument. We strongly encourage all borrowers to repay their cash loan in full and in a timely fashion so they can completely avoid fees related to nonpayment and/or late payment. Should you be of the belief that there is the potential for you to have difficulty repaying a loan after borrowing it, we recommend that you look into some loan alternatives before taking the step of requesting for assistance through our site.