Payday Loans Up To $1,000

Fast Access To Cash Advance When You Need Most It.

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Payday Loans 3 Easy Steps

Online payday loans can be the right solution to your short-term financial troubles because they are easily obtained and easily repaid, and the costs associated with them are highly comparable to other forms of credit as long as they are repaid on time.

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1. Fill Out Our Simple Form

It takes minutes to fill out our online form. It is protected by top-notch security software and absolutely free for you to use. No Obligations or Hidden Fees

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2. Get Matched with a Lender

You will be matched with one of our lenders and receive your loan decision. Even the users with imperfect credit may be offered a loan. Fast Access to Lenders

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3. Money is Deposited Directly

E-sign documents to accept your loan offer and get cash directly deposited in as soon as the next business day. Get Results Fast!

APR Disclosure

ILoanPayday.com is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. ILoanPayday.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

The minimum period of time is seven (7) calendar days that a payday lender can hold a check before presentment to the bank for payment.
 
The maximum period of time that a payday lender can hold a customer’s check before presentment to the bank for payment is thirty - one (31) calendar days, unless the customer is eligible for and has entered into a repayment plan.
Implications of Late Payment

If you are unable to repay your loan on time for any reason, please contact your lender as soon as possible. Late payment fees are set by your lender in accordance with the regulations in your state, and lenders also determine their own policies in regard to how they handle late payments. There are several courses of action that your lender may take, so you should check your loan agreement for specific information that pertains to your lender.

Implications of Nonpayment

Financial Implications – The cost associated with short term loans of up to $500 can range from 15% to 40%, and these costs may climb even higher for loans that are greater than $500 in value. Before you sign your agreement, you should check these fees carefully. Similarly, there may also be charges applied for nonsufficient funds. As an example, if your $100 loan is 15 days past due, you may be assessed a charge that is equal to 10% of the principle balance as well as a $25 nonsufficient funds fee.

Renewal Policy

Some of the lenders in our network participate in what is known as automatic loan renewal. Simply put, if your loan is beyond a specific amount of time past due, your lender will rollover your loan. This may be offered to you in addition to options like repaying your loan in full at a later date or repaying your debt in installments over time. The minimum term for an automatic renewal is 15 days and you will likely be required to pay renewal fees and additional interest charges.

Collection Practices

Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.

Impact on Credit Score

Lenders are within their rights to file reports with the three major credit bureaus—Experian, Equifax and Transunion—if you fail to repay your loan. This negative remark will lower your credit score and may make it impossible for you to obtain short term loans or other forms of credit in the future. However, once you have repaid your debt to your lender in full, this will be reported to the credit agencies and the negative remark will be removed from your credit history.

State Regulations

All of the lenders in our network must adhere to not only the federal laws associated with short term loans, but also with the regulations that are put into place by many states. Individual states typically regulate things such as the maximum loan amount, the maximum that lenders can charge, the number of loans that can be outstanding at any given time and even the late fees that lenders might charge. Listed below are the individual states, the maximum loan amounts in those states and the regulations that apply.

In order to protect consumers from unfair lending practices, many states have implemented their own regulations in addition to federal laws. Individual states may govern the terms including but not limited to the maximum allowable loan amount, the charges that lenders are able to apply to loans, the number of rollovers (renewals) and term specifications that are available, the late fees that may be applied and the number of outstanding loans that consumer can have at a time. Follow the link to this official website and this resource to get all the necessary information regarding the regulations in your state. Please check back before applying, as these regulations are subject to changes at any time.