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How to apply for a short term loan

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.

How to apply

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.

Do not hide anything

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.

Getting the green light

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.

Material disclosure

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.
Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans and up to $5000 for installment loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.
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.