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A payday loan is a short-term credit agreement where a relatively small cash advance is provided to help the borrower pay for unexpected expenses, for example a household emergency or a vehicle repair. You can typically borrow between $100-$1000, which needs to be paid back in full plus interest at the end of the agreement period (usually the next payday). There are however medium term installment loans and payday loan extension options with some providers. Also known as cash advance loans, payday loans are not revolving lines of credit, and they should only be used only when absolutely necessary
Most payday loan providers offer between $100 and $1000, and the amount you are able to borrow will depend on employment factors (such as the amount you earn) and your personal status. It is really fast and simple to see if you are able to qualify, and once approved your payday advance will be wired into your bank in next to no time.
PLEASE NOTE: IN DISHONORING A LENDING AGREEMENT, ANY CONTRACTUAL AND/OR LEGAL ACTION WILL BE MADE BY THE LENDER, AND NOT PayDay4.us ALL APPLICABLE POLICY IS THAT OF THE LENDER, AND NOT PayDay4.us
If you meet the following criteria, chances are you will qualify for a payday loan.
The cost of your payday loan will depend on the lender you go with, the amount you borrow and the length of the loan term. The Annual Percentage Rate (APR) and other fees are disclosed during the submission process, and most providers give you a clear account of exactly how much you need to pay back.
Fill out PayDay4's simple and secure online submission form.
PayDay4 connects you with a suitable product for you from a participating lending partner based on your submission and lender requirements.
On the lender's website, carefully review the loan terms and conditions and sign the contract. Cash is then deposited in your account.
Based on the fees and charges of our payday loan providers, you can expect to pay up to $30 per $100 borrowed for every 14 day period. Depending on the provider and the terms of the loan in question, the APR could be anything from 261% to 1825%.
Representative example: You borrow $200 over a 14-day period with an APR of 456.25%. You pay a fee of $17.50 per $100 borrowed, equaling a total fee of $35. When you payday arrives, you pay back $235. Please visit our fees page for detailed information.
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