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What is a Payday Loan?
For those situations in life when you have an unexpected financial setback, you should consider taking a payday loan. When planning a budget, you try to think about every expense there will come, but it is never possible to consider every emergency cash need. This type of loan is a tool made to help borrowers get the cash they need at the time they need it.
Please bear in mind the requirements for a Payday loan
Be at least 18 years old and a permanent U.S. resident
Have a steady income
Have an active checking account
How do Payday loans works?
At our website you can simply submit your information for a loan thru a safe and secure form. Using our technology, we will use this online form to connect you with a lender. Then, you may get your cash as soon as the next business day.
Rates And Fees The APR is the rate at which your loan accumulate interest. APR and fees are adjusted by many variables, including your credit rating, your FICO score, your state of residence, your income and more. Your lender will give you all details on the APR Rates, loan fees, and other terms. Please make sure to read the given information carefully.
The Truth in Lending Act law requires full disclosure from our lenders of all loan fees and interest rates. If you are offered a loan, you are under no obligation to take it.
Implication of Late, Non or Partial Payment and Renewal policies The terms and additional costs for late payment, Non Payment or Partial Payment and Renewal policies varies by each lender. This may include additional fees and interest and may result your credit score.
All lenders are committed to expose the terms for late payment, Non Payment or partial Please make sure to read them carefully
Credit Score Impact It is important for a borrower to understand that being late on a payment, rolling over a payment or missing a payment will directly impact their credit score.
lenders may verify your driver's license number, social security number, national ID, or and review your information against national databases to include, but not limited to Equifax, Transunion, Experian, Teletrack or DP Bureau to determine credit worthiness, credit standing and/or credit capacity to determine whether to approve your form or not.
Collection Practices As part of the loan, your lender will provide you documents in which you will find detailed information concerning their specific debt collection practices. If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs. After entering into a loan repayment schedule,you are protected by the Fair Debt Collection Practices Act (FDCPA), which is overseen and enforced by the Federal Trade Commission and the Consumer Financial Protection Bureau. Our lenders are required to abide by the FDCPA, which includes the following rules (this applies both to lenders and third-party collection agencies working on behalf of the lenders):
NOT contacting consumers by phone anytime before 8 a.m. or after 9 p.m.
NOT contacting consumers by phone with the intent to annoy, harass, or use abusive language.
NOT collecting debt through deception or misrepresentation.
NOT threatening legal recourse when no legal action is permitted.