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Direct payday loans online

Payday loans are short-term loans intended for people who need money immediately and have no time to deal with all kinds of bureaucracies involved in borrowing money. Conventional lenders carry out different security checks and verifications, which are not done by payday lenders. The reason for why payday lenders don’t conduct credit checks, employing paperless procedure is the assumption that all borrowers have poor credit rating. About 20% of all the borrowers default on their payments, but lenders still make money. Payday loans are more expensive than any other type of loan. The price covers the losses incurred from the defaulters.

How to apply for direct payday loans online?

In order to apply, you need to find a site that offers an online application, which you already have. The application process involves a short form (fully electronic). There is no faxing involved in the process. Direct lenders will never ask borrowers to submit any papers.

No credit check

payday loans online

Direct payday lenders don’t conduct the classic credit check with credit reporting agencies. Of course, they may resort to other types of verifications involving agencies such as Teletrack or Telecheck. Those are completely different checks that don’t harm your credit record. (Bear in mind that credit check can adversely impact your credit. Borrowers should avoid credit check as much as possible).

Open 24/7

Direct payday loans are available 24/7, including Saturdays and Sundays. All applications are processed instantly online. The approval process takes only a few minutes. Once you are approved, you can expect money on the same or the next business day.

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NOTICE: PLEASE BORROW RESPONSIBLY. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.

Representative APR 391%
Example: You borrow $100 for two weeks. Lender can charge you a $15 fee, which means you will have to repay $115 to the lender at the end of the term. The cost of the $100 loan is a $15 finance charge, which anounts to an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.
Implications of Non-Payment:
Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. None payment of a payday loan might negatively effect your credit history.
Consumer Notice:
A cash advance, also referred to as a payday loan or payday advance, is a small, short-term loan that is intended to cover a borrower's expenses until the following payday. Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our Rates and Fees page to learn more about the risks involved with cash advances, local laws and regulations that may be applicable to cash advances, possible loan alternatives and recent developments in their state.
Legal Disclaimer:
This website does not constitute an offer or solicitation to lend. We are not a lender, does not broker loans, and does not make loan or credit decisions. The operator of this web site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Our provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender. We are aim is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. We do not endorse any particular service provider, lender, nor loan product. You are under no obligation to use Our service to initiate contact, nor apply for credit or any loan product with any service provider or lender. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. You will not be charged any fees to use our service. Learn more on our Rates & Fees section.
Availability:
Residents of some states may not be eligible for a short term cash loan based upon lender requirements. We do not guarantee that completing an inquiry form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.