• APR Disclosure

    The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender must show you the APR before you enter into the loan. States have laws limiting the APR that the lender can charge you. Offers provided to consumers who originated via a paid Google advertisement feature rate quotes of no greater than 35.99% APR with terms from 61 days to 180 months. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history and will be agreed upon between you and the lender. Be sure to read the disclosures given to you by the lender carefully before you agree to the loan. Please be sure your lender gives you – and you understand - the APR along with the other terms of your loan before you sign their agreement.

  • Credit Implications

    Our participating lenders may verify your social security number, driver's license number, national ID, or any other state or federal identification 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. If they do, please know that this may lower your credit score. Some of our participating lenders will not perform credit checks with the three major credit reporting bureaus. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By submitting your registration through this website, you agree to allow participating lenders to verify your information and check your credit as described in their policies and terms.

  • Renewal Policy

    Each participating lender has their own renewal policy. Some participating lenders will automatically renew your loans or will require your permission to renew your loan. Some participating lenders will not renew your loan. It is important for you to understand that extending the repayment period for a loan may result in additional interest, as well as other fees, which can greatly increase the total amount you pay back on a loan. Be sure to check if your lender automatically renews loans or requires your permission to renew the loan or will not renew. State laws often govern loan renewal policies. Be sure to know your state’s policies in regard to loan renewal and carefully read the lender's terms before agreeing to and submitting your e-signature.

  • Implications of Late Payments

    Each lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan be sure you read and understand the implications of making late payments. Also, each state has rules and regulations in place that payday lenders must follow when assessing fees for late payments.

  • Advertising Disclosure

    Important Disclosure – Please read!

    This website assists consumers in locating a lending source. We are not a lender and do offer loans nor do we make loans or credit decisions. We are not an agent, representative or broker of or for any lender. We do not endorse or recommend any lender. Instead, we take your information and interest in obtaining a loan and send it to lenders or a network of lenders. We do not control and are not responsible for the actions or inactions of any lender or network. Our service to you is free. We are compensation by lenders or networks. We use a ping-tree model where the highest available bidder is connected to the you.

    We do not run a credit check or make determinations of your creditworthiness, but most lenders will. By submitting your information you are authorizing the lender we provide your information to verify your social security number, driver license number or other identification, and to review your creditworthiness by running your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.

    Providing your information on this Website does not guarantee that you will be approved for a loan of any type. Our sources tell us that cash transfer times may vary and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states. Other than the referral, we have no involvement in your application and loan process. For details, questions or concerns regarding your application or loan, please contact your lender directly.

  • Implications of Non-Payment & Collection Practices

    If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by Federal and State law to use fair practices in their collection actions for a loan that has not been repaid. You are protected by the Fair Debt Collections Act, which includes limitation on how a lender may collect an unpaid balance including:

    • Not contacting you by phone before 8 am or after 9 pm.
    • Not harassing you or using abusive language towards you over the phone.
    • Not using deception to try to collect money from you.
    • Not threatening you with legal action if it is not permitted.

    We are not a lender. Only your lender can provide you with information about your specific loan terms, including the APR, renewal, payments and implications for nonpayment or skipped payments.