Borrower Note: Long term financial problems cannot be solved with short term loans. Consumers who are already struggling with debt are advised to get the help of a professional. Consumers are also advised to check state laws and legislation regarding short term loans.
Interest Regulations: The amount a lender can charge borrowers in interest is governed by local regulations in many states. The Annual Percentage Rate (APR) for short term payday loans in these states typically falls between 200% and 1386%, while longer term installment loans fall between 6.63% and 225%. The APR may be higher in a state that has no laws that govern interest. The rate a borrower is charged is also determined by the size of the loan, how long it is taken out for, and the repayment schedule. Due to the Truth In Lending Act, all lenders are legally required to provide the full terms of the loan (including interest rates) before you sign the agreement. Lenders reserve the right to change their APR policy at any time.
Exclusions: Borrowers who reside in the states of Arkansas, New York, Vermont and West Virginia are not permitted to use our website or service, as these states do not allow short-term, small-dollar loans. We reserve the right to change the states serviced by the site at any time, without notice.
Credit Score: This website and its owners and operators do not have access to your credit history and do not make any credit decisions. The third party lenders from our network, who you may be matched with and whom you may enter a credit agreement with, reserve the right to perform credit checks and assessments via major and minor credit rating bureaus. This is to determine your credit worthiness and will form part of the decision about whether to approve your application and if so, its terms. Your credit score may be influenced by submitting an application to a lender. By submitting an application, you accept that lenders may carry out these credit checks, assess your personal information, and verify your information. The lenders in our network provide short term loans in order to help borrowers overcome short term expenses and temporary financial emergencies. These loans are not designed to recycle debt and tackle long term financial problems. You are advised to only borrow an amount that you can realistically pay back on the repayment date, which should be on or just after your next pay day. It is wise to consider alternative forms of credit and seek professional advice before applying for a payday loan. All forms of loan come with a certain amount of risk. Failing to repay a lender may result in added fees and interest, and collection proceedings. Late payment repercussions, the ability to extended or renew a loan, and these terms may vary from lender to lender and may also be limited by state law. It is your responsibility to read all of the lender's policies and the loan agreement, before accepting an offer.