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It is much easier to apply for short term loan via the Internet than going to a bank or credit union to borrow money. This is the case, these loans are the fastest and easiest option for most people compared to going for a bank loan.
In fact, the main reason why people choose to use payday loans is their simplicity. Borrowers do not have to prepare documents for scrupulous analysis and check. Well, in this scenario, lenders want to cover their risks and charge high interest rates.
The application process for short term loans is very fast and does not take much time, because nobody checks your credit history. After choosing a suitable lender, you are required to complete an application form, which contains personal and professional information, such as your employment position and bank account. And a lender may also ask the borrower to submit a bank statement or a pay slip. It is also important to read and understand the terms and conditions. If you do not accept the company's terms of service, so do not feel obligated to accept the loan.
The most important thing in filling out the application form is to tell the truth to avoid being rejected. Also do not apply for more than one loan at a time. If the lender discovers that you have asked for several payday loans, you will be automatically rejected. Instead of doing this, just find two or three different lenders, compare their rates and fees and choose the best one.
When you submitted your application, the lending company will process the data to determine if they are ready to lend you money. Once it has been approved, the borrower will be sent a confirmation request for short term loans. When the payment is due, the lender will automatically withdraw money from the bank account of the borrower.
If you can not repay the loan on time, the lenders offer loan extension, but this time, the interest rate will be even higher. So, extension of the loan is the main thing you should try to avoid.
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, and APRs for installment loans range from 6.63% to 225%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.
Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.
Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.