BestPaydayFinder is one of the leading global cash advance websites that helps 1,000s of people every day find the short-term loan they need. Our application is 100% online, and only takes a few minutes.
Payday Loans for the USA
If you’re living from one paycheck to the next, unexpected expenses can really hit you hard. What happens if you have car repair bills due or other emergencies that need funding but your next payday is a little too far away? You, and thousands of other Americans in this situation could benefit from an online payday loan. BestPaydayFinder is a free, lender-connecting service that will connect you to one of the largest lending networks in the United States through one simple application.The online process is fast, private and secure. All participating lenders understand that many Americans have been affected by the economy and welcome borrowers with all levels of credit.
If you're having problems making a payment please contact the lender directly so that they can discuss your payment options. Should the situation remain unresolved, the lender may reserve the right to pass your details onto a third party collections agency.
Implications of Non-Payment
We always recommend repaying on time. If you are unable to pay on time, each lender has their own policies with regards to fees, interest and how they collect outstanding debts. Most will contact you by phone or letter in order to rearrange payment. Non-payment may result in charges and/or raised interest. We suggest contacting your lender as soon as you are aware there is a problem, as otherwise, it may be noted on your credit record.
If you are unable to make your repayment on time then you should contact your lender immediately. Lenders may charge a late payment fee which could range between $1-$100. This will vary between lenders. For more information please read the terms and conditions of your loan agreement.
If you wish to renew your loan, you should contact your lender in advance. Most lenders will charge the same rate of interest and fees for another month on the entire amount owed. In the event of non-payment, a loan renewal/extension could be automatic and further interest and/or charges may be added to your account.
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, and APRs for installment loans range from 6.63% to 225%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.
Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.
Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. 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. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.