Payday Loans

How It Works

This website is not a lender and does not make loans, approve loan requests, make credit decisions, set loan terms, or fund loans. We provide a connecting service that gives consumers access to lenders or lending partners in a network.

You can submit a loan request online by providing basic information that may help lenders or lending partners review whether they may be able to offer loan options. A lender or lending partner, not this website, may decide whether to present a loan offer. Approval is not guaranteed.

Submit a Loan Request

To get started, complete the online loan request form with information such as your contact details, income, employment, and banking information. This information may be shared with lenders or lending partners in the network so they can review your request based on their own criteria.

By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.

Lender Review

After your loan request is submitted, a lender or lending partner may review your information. Each lender has its own requirements and review process. Some lenders may verify your credit, income, employment, bank account details, or request additional information. Requirements vary by lender.

This website does not control lender decisions and is not responsible for the actions or inactions of any lender or lending partner.

Review Any Loan Offer

If a lender decides to offer you a loan, the lender will provide the loan amount, rates, fees, repayment terms, due dates, renewal policy, and other required disclosures. You are not required to accept any loan offer.

Before accepting an offer, review all terms carefully. Make sure you understand the total cost of the loan, repayment schedule, late-payment consequences, renewal rules, and any potential impact on your credit score.

Funding After Lender Approval

If you accept a lender’s offer and complete the lender’s required steps, funds may be deposited into your bank account. A loan may be funded as fast as the same business day if approved by a lender, but funding times vary by lender, bank, state availability, and other factors.

Common Lender Requirements

Independent lenders and lending partners set their own eligibility requirements. Common factors may include, but are not limited to:

Some lenders may not make loans to active-duty military members, covered dependents, or other consumers protected under applicable law. Final eligibility decisions are made by the lender.

Rates, Fees, and Terms

Loan amounts may range from $200 to $5,000, depending on the lender, state availability, and the borrower’s circumstances. Rates, fees, repayment terms, approval decisions, and funding times vary by lender and by state.

Short-term loans can be expensive financial products and are not intended as a long-term financial solution. Borrow only what you can afford to repay, and consider other financial options before accepting a short-term loan offer.

Availability

This connecting service is not available to users from Arkansas, New York, Vermont, or West Virginia. Loan availability may also vary based on lender participation, state laws, and individual lender requirements.

Responsible Borrowing

Late or non-payment may result in additional fees, collection activity, and a negative impact on your credit score. Renewal policies vary by lender and may involve additional costs. Only accept a loan offer after you have reviewed the lender’s full terms and are confident you can meet the repayment obligations.

Get Started

Submit a loan request online to access lenders or lending partners in the network. This website is a connecting service only and does not guarantee approval, loan amounts, rates, terms, or funding.