Rates and Fees

SameDayLoansPayday.com provides free service, but borrowers need to pay attention that we do not give out loans or provide any other financial help as we are not the direct lenders. We connect the clients with the direct online lenders via the form offered on the website. We have a big database of lenders and we are continuously increasing it. Therefore, more and more customers are interested in getting the quickest financial assistance and turn to our company. As soon as the potential borrower completes our online form, we will attempt to connect them with the database of direct lenders.

SameDayLoansPayday.com provides free service, but borrowers need to pay attention that we do not give out payday loans online same day or provide any other financial help as we are not the direct lenders. We connect the clients with the direct online lenders via the form offered on the website. We have a big database of lenders and we are continuously increasing it. Therefore, more and more customers are interested in getting the quickest financial assistance and turn to our company. As soon as the potential borrower completes our online form, we will attempt to connect them with the database of direct lenders.

Rights and Obligations

Once you’ve filled in the online form on the site and received a confirmation email from the direct lender, you will be given a sample of agreement that you need to sign. The information required to fill in the form includes some personal and bank account details necessary for the loan-connecting process.

Our team of experts will try to connect your loan request with one of the lenders we cooperate with but we do not guarantee approval. All the conditions, terms and fees will be mentioned in the agreement. If you agree with these rules and terms, you will have to sign it. Otherwise, you have the right to refuse to take a loan from a certain online lender in case you are not satisfied with some conditions.

The borrower will be required to follow all the terms and conditions provided that they put an email signature on the agreement. Therefore, read the information and loan details thoroughly before making the final decision. If you think that loan conditions are not budget-friendly, you may consider other options from various lenders.

SameDayLoansPayday does not take responsibility for the interest rates, loan terms or other fees. These requirements are set by the loan lenders and any inquiries must be addressed straight to them.

Potential borrowers need to understand that their personal details provided in the online form can affect the loan decision and the conditions offered to them. Remember that you have the right to refuse a loan in case you don’t agree with its terms and have not signed the agreement yet.

SamedayLoansPayday can’t guarantee approval on the same day personal loans applications submitted via our website as this decision depends only on the lenders themselves and the client’s credit history, credit score, employment history, etc.

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Failure of Repayment

In case the borrower fails to pay off the loan in time, they will have to pay an extra fee. All the terms and conditions of the loan are set and written in the agreement between the lender and the client, so both parties have to follow them. Specialists from SameDayLoansPayday cooperate only with trustworthy and reliable direct lenders, so you won’t experience any technical issues.

Delay of Repayment

The agreement signed by the borrower and the lender includes types of punishment for missed or late payments. You can be charged extra fees or a higher interest rate if you fail to repay the loan in time. Therefore, it is necessary to realize all the conditions and requirements of the loan you take. In case of any unforeseen situations or problems when you want to cancel the agreement which has already been signed, you need to immediately contact your lender. The rules may differ from state to state but, generally, you will be required to cover the spending set in the agreement.

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Material disclosure

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% and 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.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans and up to $5000 for installment loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

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.