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.
Our Service: This website and its owners and operators are not financial lenders or loan brokers themselves. They also do not act as an agent for any loan broker or lender. Our service does not constitute a solicitation or endorsement for any particular loan product. Our service consists of an advertising and referral platform for legal online cash advance and installment loan lenders, who offer between $100 and $1,000, and up to $5,000, respectively, to approved borrowers. This network of lenders operate independently of WeGot1000.com. There is no guarantee that we will be able to refer you to a lender or that they will make you an offer in this range, or any offer at all. Our service does not refer borrowers to illegal lenders or lenders that provide loan products that do not adhere to the borrower's state law regarding short term and installment loans. If a borrower resides in a state where a loan product is prohibited, our service is void. We do not charge for referring borrowers to lenders and only receive compensation from participating lenders for including them in our network. We are not responsible or liable for the actions of any lender we link to, nor do we have any control over their policies or actions. We also are not privy to any loan agreement and terms provided to you by any lender we refer you to. We are unable to assist with any queries or problems you have with a loan obtained through our service. All questions (including but not limited to interest rates, payment schedule, repayment, and defaults) should be directed to the individual lender themselves. By submitting your personal information via our loan request form, you agree for it to be shared with one or more of the lenders in our network. We will never pass on or sell this data to parties outside of this network. You are not obliged to use our service and any contact you make with a lender that results in an application for any loan product and the receipt of a loan product, is of your own accord. The time it takes for a lenders to deposit your loan is not guaranteed and may vary from lender to lender. State and local laws may determine repayment terms. You may be required to fax documentation to verify your application's information. Additional information about loan products, how the application process works, rates and repayment, and late payment repercussions can be found in our FAQ and other supporting pages. The preceding disclosure does not constitute legal advice and is for informational purposes only. Our Terms of Use and Privacy Policy governs your use of our service.
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.
