Payday Loan

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Holiday Overeating – A Joyous Time!

Who doesn’t like to let go and forget about the calories? This time of year you need no excuse to over eat its just part of the territory. It doesn’t matter which holiday you celebrate, eating food prepared specially for the holiday is a major component of the fun and the family traditions. Feeding a…

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Cash Faster Than a Payday Loan?

If you need cash fast, is there an advantage to taking a payday loan? Yes, absolutely, there are times when all you need is a little help for a short time. If you were able to get a bank loan with the same short payback time they would call it a ‘bridge loan’. A payday…

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Do Payday Loans Deserve their Bad Reputation?

Payday loans have had a great deal of bad press in the last few years. Scare stories abound of unfortunate cases where vulnerable people have taken out payday loans and ended up unable to make the repayments, eventually falling into terrible debt. But although payday loans are not for everyone, are there any circumstances where…

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The Benefits and Challenges of Payday Loans

Payday loans are often perceived as the loan of last resort by consumers, lenders and regulators alike. Also known as cash advance loans, payday loans have been used by millions of Americans and show little sign of decreasing in demand. Benefits Bad credit is not an obstacle. Why do people turn to payday loans? Usually…

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Payday Consumer Notice:

APR

The APR of a payday loan varies in each state and depends on the lender, the advance amount, fees and terms of the transaction. The APR in our network of lenders can range from 265.36% to more than 700% on 14 day terms.

Implications of non-payment

Implications of non-payment vary from lender to lender and by state regulations. If you are unable to repay your loan you may have one or all of the consequences listed below depending upon the terms of your lender. Fees may include but are not limited to: insufficient fund fees, administrative fees, late fees, non-payment fees, court costs and legal fees.

Collection Practices, Credit Score Impact

Payday Loans are due and payable in full in one payment at the end of the loan term, unless the Lender offers renewals or other repayment options. Make sure to review the terms and conditions of your lender if you fail to pay on time.

  • 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.
  • Non-payment of credit could result in collection activities and your account could be turned over to a collection agency. Each Lender has their own terms and conditions, please review their policies for further information.
  • Failure to pay your loan on time could result in your lender reporting the delinquency to a credit reporting agency. This could result in the lowering of your credit score which could make borrowing more expensive in the future.

Renewal Policy

Renewal policies vary not only by lender but also by state regulations. Every Lender has their own renewal policy, which may differ from Lender to Lender. Renewal fees vary by lender. Please review your state regulations and you lender's renewal policy, terms and conditions.