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Payday Loans Put Fast Funds Into Your Hands

It’s easy to occasionally find yourself in a situation where you suddenly need to pay an important expense but don’t have the necessary funds on hand. You may have to take care of emergency medical costs, a major household bill, or perhaps an outstanding debt. When such a situation arises, it’s critical to swiftly get ahold of the required cash, and that’s where payday loans come in. They represent a rapid way to obtain needed funds, and here at PaydayLoans.com, we can help connect you to one of these beneficial loans quickly and efficiently.

When you go through our website to acquire a loan, every part of the process is fast. First of all, it takes just five minutes for you to complete and submit our brief loan request form. Then, we can quickly pre-approve you for assistance and connect you with a member of our vast lender network — the largest such network in the nation — who has a loan offer for you. And best of all, once you formally accept an offer, you can receive your funds in as little as just one business day.

Not only is acquiring a payday loan via our service an extremely quick process, but it is an easy one as well. In addition to our loan request form being brief, borrower eligibility requirements are few, and you can get help even if your credit’s not the best. The process is extremely convenient, too, as you can request funds, accept an offer, and receive your funds all from the comfort of your home or office, or really anywhere as long as you’ve got an Internet-enabled device.

If you are in need of some fast emergency funds, make things easy for yourself and take advantage of the speed, simplicity and convenience of the online payday loan process as conducted through our site. To start that process, please go to our Get Started page.

Important Information

APR – Representative Range Explanation

The annual percentage rate (APR) is the annualized interest rate you’re assessed on an online fast cash loan. PaydayLoans.com doesn’t disburse loans, as it is not a lender; however, it does connect consumers with lenders who can help them out with money loans quickly. PaydayLoans.com charges no fees whatsoever for this connecting service. Since PaydayLoans.com isn’t a lender, it isn’t able to let you know the specific APR that will be attached to your loan. You should understand that APRs can vary considerably based on the information that you include in your online cash loan request and the information that your lender provides to you.

Your lender will give you details concerning the APR, finance charges and other applicable loan terms when you’re redirected to the loan agreement during the online loan request process. If you find that you need assistance with any PaydayLoans.com-related services, please do not hesitate to contact us.

The APR on a fast online cash loan can range from 250 to 2,350 percent depending on how it’s calculated and other variables, including the loan’s term, any fees incurred (late or nonpayment fees, for example) and options in terms of loan renewal. It is important for you to be mindful of the fact that the APR range is different from your finance charge. Later on in the cash loan request process, your lender will inform you of the finance charge.

To look at a representative example of the APR range on a fast online money loan, please click here.

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YOU CAN BORROW $800 FOR 14 DAYS WITH A $40-$80 LENDER CHARGE. YOUR ESTIMATED APR IS 130 TO 260 PERCENT.*

Quick online cash loans often can be somewhat costly in relation to other types of loans. PaydayLoans.com suggests that you do not use quick online cash loans as a long-term financial solution. You should make it a point to reserve them for emergency situations.

*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low-end calculation: ($40 / $800) * (365 days / 14 days) x 100 = 130.36 percent
High-end calculation: ($80 / $800) * (365 days / 14 days) x 100 = 260.71 percent

Important Implications to Consider

PaydayLoans.com partners only with lenders who provide prospective borrowers with very detailed information concerning online cash loan terms and conditions before any acceptance of a specific loan offer occurs. You should always closely go over the terms and conditions of any offer you get. For more details on these particular considerations, please take a look at our Lending Practices and Rates and Fees sections.

Financial Implications (Interest And Finance Charges)

In the event that you get approved for a quick money loan, the lender will tell you the fees and interest rate connected to the loan before you agree to their offer. As stated previously, PaydayLoans.com is not a lender, and because of this it isn’t able to predict the specific interest and fees that will be features of the offer. Understand that you’re never obliged to accept an offer for an online money loan.

Implications Of Non-payment

When you agree to the terms and conditions for a specific quick cash loan offer, effectively you are saying that you will pay back the finance charges and loan principal in the required amount of time specified by your loan agreement. Extra charges may apply in the event that you aren’t able to fully repay your loan, or if you submit a payment after the date on which it’s due. PaydayLoans.com is not able to predict what kinds of penalties you may be assessed as a result of partial payment, nonpayment or delinquent payment. Also, PaydayLoans.com doesn’t have any control over knowledge of the loan details between you and the lender with whom you’re working.

Make sure that you refer to the partial payment, late payment and nonpayment policies which are spelled out in detail in the loan documents your lender provides you with. PaydayLoans.com’s policy is to partner only with reputable lenders who pursue collections of delinquent accounts in a manner that is completely reasonable and fair.

Potential Impact To Credit Score

The policy of PaydayLoans.com is to never get involved in making credit decisions or perform credit inquiries on prospective fast money loan borrowers. However, some of our affiliate lenders may elect to do a nontraditional credit inquiry so they can determine if you are eligible to receive a loan. Generally, these lenders won’t perform a credit inquiry with any of the major U.S. credit reporting agencies (TransUnion, Equifax and Experian).

Ultimately, there is a chance that your credit score will be impacted by the actions that a particular lender engages in. If you do not pay back your online cash loan by the agreed-upon due date, your lender may report the delinquency to the major credit reporting agencies, with the result being that your credit rating could be harmed. PaydayLoans.com very strongly encourages people dealing with credit problems to utilize a professional credit counselor’s services.

Collection Practices

Again, PaydayLoans.com does not work as a lender, and moreover, we do not ever collect on loan borrower debts. Your lender, in the loan documents they give to you, will include information concerning the debt collection practices they engage in. If you aren’t sure of the collection practices that a particular lender employs, PaydayLoans.com advises that you discuss the issue directly with the aforementioned lender. PaydayLoans.com strives to only be affiliated with lenders who routinely pursue collections of delinquent cash loan accounts in a totally reasonable and fair fashion.

Loan Renewal Policies

Your lender will offer you some loan renewal options to examine before you formally agree to their fast cash loan offer. Make sure you carefully read through their loan renewal policy before signing anything. Please understand that, to a large extent, state regulations dictate loan renewal policies.

Quick online loans are intended to be utilized purely as a short-term financial instrument. PaydayLoans.com very strongly encourages all borrowers to repay their loan fully and in a timely fashion so that they may avoid fees stemming from delinquent payment and/or nonpayment. If you believe there is a chance you will end up having difficulty paying off a loan that you take out, PaydayLoans.com advises you to explore different loan alternatives before you make the decision to request a loan through this website.

(©) 2014 PaydayLoans.com. All Rights Reserved.

Legal Disclaimer: With your use of this website you agree to PaydayLoans.com's Terms of Use and Privacy Policy. A payday loan is a small, unsecured and short-term loan that's intended for use specifically as a form of short-term financial relief, and it's not meant to be a long-term financial solution. Consumers that find themselves presently struggling with debt and credit difficulties should seek out debt and credit advisory assistance. PaydayLoans.com is not a lender and nothing on this website constitutes an offer or solicitation to lend. Additionally, we do not work as a representative, broker or agent of any payday lender. PaydayLoans.com informs consumers of lenders who may meet the consumer's requested needs, and PaydayLoans.com never charges any fee for this service. Residents of certain states may not be eligible for a payday loan as eligibility is based upon lender requirements. Completing and submitting an inquiry does not provide any guarantee that you will get matched up with a lender. Users are under no obligation to apply for any loan product or use PaydayLoans.com's service. It is standard for lenders of payday loans to perform credit checks with credit bureaus or for lenders to obtain consumer reports through alternative providers. In submitting your information, you are fully agreeing to be contacted by lenders or agents of those lenders. This offer and service provided by PaydayLoans.com is void where prohibited.