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Financial stress can be a significant burden to bear. You might have an emergency, such as having a tire blow out or unexpectedly having to go out of town. The holidays might be coming up, and you need extra money to buy gifts. Rent or utility bills might be due and you don't have the money to pay them. There are many reasons you might be short on funds, and not everybody has enough money in savings to cover these expenses.

When you need money right now, there may not be many options for getting it. Personal bank loans, borrowing money from family, or using credit cards are possible ways to obtain money, but they aren’t necessarily available quickly enough or at all. A viable potential source of quick cash is payday loans.

What Is a Payday Loan?


Payday loans are short-term unsecured loans that are relatively easy to obtain. These loans are usually for small amounts, with $500 being a typical maximum amount. State laws regulate payday loans. Many states set limits for payday loan fees, how much you can borrow, and interest rates, so the maximum loan amount and fees or interest allowed will vary by state. Payday loan lenders usually don’t check credit scores, so they won’t affect your FICO score. However, if you don’t repay the loan and are turned over to a collection agency, the agency may report it to credit bureaus.


How Do Payday Loans Work?

You can obtain payday loans from online or in-person lenders. As you might guess from the term “payday loan,” the repayment or renewal date is usually set on a payday or other date when funds will be available, such as social security payment dates.

You’ll probably need to provide the lender with a government-issued ID, current pay stubs and a current bank statement to apply for a payday loan. Applications are simple, and you’ll usually get approval almost immediately. After you are approved, you’ll either write a post-dated check or authorize an electronic withdrawal from your bank. The check or electronic debit authorization amount will include both the loan amount and fees or interest. If you borrow $100 and the fees are $15, you’ll be paying $115 on the specified due date.


How Does a Personal Loan Work?

 Payday LoanThere are various methods of receiving the proceeds from a payday loan. The lender might give you cash or a check, a prepaid debit card, or electronically deposit funds to your bank account.

The total loan amount is due at one time, usually between two and four weeks from the loan date. If you don’t have the funds to repay the loan at that time fully, you will usually be able to renew the loan for an additional fee. If you don’t make your payment on the due date, the lender can deposit your post-dated check or initiate the electronic funds transfer that you authorized.

Do You Need a Payday Loan?

If you need money quickly, you probably won’t have time to search for a reputable lender. can take that hassle away and provide you with trusted lenders. Sometimes a personal loan is needed and we are here to help. Eventually we hope to even help you find a mortgage lender. Contact them to get started obtaining your loan today.



When inquiring about a loan on this site, this is not a loan application. This is not an offer to lend. Upon the completion of your inquiry, we will work hard to match you with a lender or lenders who may assist you with an official.

When applying for a loan, lenders will commonly require you to provide a valid social security number and submit to a credit check. Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved. Minimum credit ratings may vary according to lender and loan product. Any loan product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the loan product. This site is in no way affiliated with any news source or government organization and is not a government agency. Not affiliated with HUD, FHA, VA, FNMA or GNMA. This site may contain affiliate and partner links. If you are contacted by an advertiser within our network, your quoted rate may be higher, depending on your property, credit score, debt to Income and other factors that will be disclosed by the provider’s representative. We do not guarantee the rates offered by our providers are the best in the market, please shop around for the best solution for your needs.


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