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Rates and Fees

Probably the biggest question people have about a payday advance loan is how much it is going to cost. PaydayAdvance.org is not a lender and does not extend credit of any type. All lenders in our network set their own terms and conditions for payday loans. Each lender independently determines the loan terms, fees and APRs for loans that are approved. These can vary according to an applicant’s credit history and level of income.

We urge you to fully read and review your loan document if you are approved for a payday advance loan. Lenders are required to give you all the terms and conditions of your loan, in writing, prior to asking you to sign a loan contract.

It’s important to remember that payday loans differ from conventional loans in many aspects. They have a very quick repayment time (usually two weeks). Since these short-term loans require no collateral and the borrower receives the cash funds in a short amount of time, lenders are able to charge much higher interest rates for these added conveniences.

Each lender has their own policy regarding renewal and repayment terms. Renewals are not always offered but if they are, you can expect to pay additional penalties, fees, and interest for this service.

Borrowing money is a serious responsibility. If you have doubts about being able to repay your payday advance loan within the two week period, we urge you to consider other loan options such as:

Please investigate all your options before committing to a payday advance loan.

It’s important to note that you are under NO obligation to accept a payday loan if offered. Until you sign the actual loan agreement, you have the right to refuse the loan. If you have questions or concerns regarding your payday loan, take time to carefully consider your overall financial situation.

This website strives to match you with a reputable lender who can help you with your loan needs. We do not want to add to your financial difficulties.

© PaydayAdvance.org – All Rights Reserved

PaydayAdvance.org is not a lender and does not broker loans or extend credit to consumers. This website’s sole purpose is to share your submitted information with one or more lenders who then makes the loan approval decision independently. Not everyone will qualify for a payday advance loan and approval is not guaranteed.

This website offers its services free of charge. Not every lender can provide the maximum $1000 in loan proceeds. Transfer times vary among lenders and not all lenders offer one hour cash transfer service. Lenders determine their own terms and conditions, including repayment terms. Payday loans are not available in every state and the states participating in this service may change at any time, without notice.