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Payday Loans in 2 Easy Steps

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Welcome to LoansPayday.co. If you're in need of cash before your next payday, we're here to help. With a quick loan from LoansPayday.co, you are able to address your financial needs while avoiding costly overdraft and late payment fees.

There are many benefits to our payday loans, including:

* Your transaction is totally discreet! You apply from the comfort and privacy of your home.

* The entire process can be completed securely through the Internet.

* The vast majority of applications are faxless.

* If you have trouble paying off the loan on time (although we strongly recommend you adhere to the repayment guidelines) you can request an extension for an extra fee.


Five Benefits of Payday Loans

The concept of payday loans is relatively new but already a popular method for getting fast cash.  This type of loan is now offered throughout the country with each person choosing the method for obtaining cash for different reasons. Sometimes, the loan is used to catch up on utility bills, for vacation, school expenses, or an unexpected medical emergency.  Regardless of the reason, payday loans offer distinct benefits.

1. Immediate Cash – The number one benefit for a loan of this kind is the ability to get immediate cash.  Instead of waiting for the next pay period to roll around, people that need money can walk into a payday loan company, fill out paperwork, and leave with cash in hand.  Typically, the approval time for a loan such as this is 24 hours or less and in some instances, the loan is approved right away.

2. Easy Application – With most loans, the application process is something people dread.  However, payday loans are different in that qualifying is quick and easy.  Whether applying in person or online, certain criteria must be met such as having a steady income, being a United States citizen, having a checking account in good standing, having proper identification, and being a minimum of 18 years of age.

3. Dollar Amount – Most people think that payday loans are for small amounts but in truth, these loans go up to $1000.  The way the process works is that if the applicant has a good credit and payment history, then he or she would be approved for a higher amount than someone would with poor credit or payment history.

4. Bad Credit Approval – Payday loans are not only for people with good credit.  Even people that have a poor credit history can usually qualify for this type of loan. After all, payday loans are not based on credit in most cases so even if there were problems, it would not matter.

5. Money Saver – While there is a fee for payday loans, it is typically less than what people would pay toward late fees on credit cards or reconnection fees for a utility.  Therefore, this type of loan actually saves people money.


Although payday loans are not for everyone, sometimes people find themselves in a situation where they need help.  This type of loan was established for numerous reasons, such as reducing stress and providing a temporary but viable solution when financial situations arise.

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APR Disclosure. Some states have laws limiting the APR that a lender can charge you. APRs range from 200% and 1386%. 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 Annual Percentage Rate 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.

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. Not all lenders can provide up to $1,000 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. 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. 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 participatign 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.

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 utilize 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 may 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.

Professional Advice. 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.