Loan APR & Terms

Probably the biggest question people have about a payday advance loan is how much it is going to cost. is not a lender. Our goal is to match consumers looking for short-term loans with a suitable lender who can provide the money they need. Loan terms and conditions, including repayment times, renewal policies, and APRs, are all calculated by each specific lender. The terms and conditions of a loan agreement can vary greatly according to the applicant’s credit history and current income.

Please remember that payday loans differ from conventional loans in many important aspects. They have a very quick repayment time (usually two weeks). Since these short-term loans require no collateral and the borrower receives the cash funds in a short amount of time, lenders are able to charge much higher interest rates for these added conveniences.

Each lender sets their own policy with regards to renewal and repayment terms. Not every lender offers a renewal on a payday advance loan and some states strictly forbid them. If your loan agreement contains a renewal policy and you choose to renew the original note, you can expect to pay additional fees, penalties, and interest for this privilege.

It is your responsibility to review and understand the terms and conditions of your loan contract. Lenders are required by law to provide you with all terms and conditions, in writing, before you are asked to sign the loan agreement. If you have any questions or concerns, get the answers before committing to the loan.

If you are not satisfied with the terms and conditions of your loan, it is your right to refuse the loan offer. You are under NO obligation to accept a loan offer at any time from any lender. If you decline a loan offer, you may simply reapply and be matched with a different lender. has one goal- to match you with a cash advance lender who can help you with your loan needs. We do not want to add to your financial difficulties. Short-term loans are meant to be used for unexpected financial emergencies and are not designed to fix long-term debt problems. Please consider all borrowing options before committing to a payday advance loan.

© All rights reserved | Site Map is not a lender. This website does not make short-term cash loans or any credit decisions. offers consumers a free payday loan matching service. Submitting an application does not guarantee that you will be matched with a lender. Not everyone will qualify for a payday advance loan.

Not all lenders can provide the maximum $1000 cash funds. Cash transfer times vary among lenders and not all lenders offer one hour cash transfer service. Every lender makes the approval decision independently and this website has no influence in this decision.

Payday advance loans are not available in all 50 states. Active-duty members of the U.S. military are not eligible to apply for a payday advance loan. The list of participating states may change at any time and without prior notification.