Are your finances causing you stress?
If your answer is “YES”, pay close attention
We offer payday loan options that can help.
Financial emergencies like an unexpected medical or car bill can throw you off track. You may be thinking, if I put off the bills until my next payday, there is a grace period for these payments. While this may be true, it also means that some of your next paycheck will not go to essential things in order to take care of the bill. For instance, you may find yourself turning down the heat in the winter because you needed to replace the brakes in your car. A need to keep cool in the summer can mean that you cut back on groceries for a week in order to make ends meet. This begins to take a toll on various different areas of your life. For instance, you may be grumpy at work because it was too cold in your home to sleep. You may be the only person who did not bring a dish to the neighborhood potluck because the groceries for this week had been carefully planned out to allow for everyone’s meals. A payday loan can help.
A payday loan can help when a traditional bank can’t. Our quick and convenient online loan request process can be easier to maneuver than a long paper application from a traditional bank.
APR – Interest Rates and Repayment Explained
The annual percentage rate (APR) is the annualized interest rate that you are charged on your cash advance loan. PaydayNetwork.com is not a lender and doesn't provide loans, but it does refer consumers to lenders and financial service providers we work with who can provide quick and convenient loan assistance. We don't charge fees for this service. PaydayNetwork.com does not have the ability to tell you the exact APR that your lender will charge. Annual percentage rates can vary based on not only the information that you supply in your initial loan request, but the information that your lender supplies to you as well.
Your lender will give you all the details on the annual percentage rate, cash loan finance charges and other terms on the loan agreement. If you require assistance with any PaydayNetwork.com-related services, you can contact us at your earliest convenience.
Important Points to Consider
PaydayNetwork.com works with a network of lenders and financial service providers who can provide potential borrowers with detailed information concerning loan terms and conditions prior to accepting any cash advance loan offer. We recommend that you review the terms of any loan offer you may receive. You can view the Responsible Lending Practices and Rates & Fees sections of our website for more information.
If you get approved for a cash advance loan, the lender will provide you with the exact fees and interest rate associated with the loan prior to you accepting their offer. As mentioned earlier, PaydayNetwork.com is not a lender, so we cannot tell you what the exact fees and interest will be. Please note that you are never under any obligation to accept the loan terms that a lender offers you.
Accepting the terms and conditions for a loan offer essentially means that you agree to repay the loan with interest in the time specified in your loan agreement. If you aren't able to repay your loan in full or should you make a late payment, it is likely that supplemental charges could apply. PaydayNetwork.com does not have the ability to predict what charges you will incur in the event of nonpayment, late payment or partial payment. In addition, we have no control or knowledge of the loan details between you and your lender.
Please review the partial payment, late payment and nonpayment policies that are detailed in your loan documents provided by your lender. PaydayNetwork.com works with lenders and financial service providers that follow all applicable laws.
It is important for a borrower to understand that being late on a payment, missing a payment or rolling over a payment will all negatively impact their credit score. Your credit score is a numerical expression of your credit worthiness based on an analysis of your credit files. A credit score is primarily based on credit report information typically sourced from the credit reporting agencies. Failing to pay on time will negatively affect this score and make it harder for you to do things like take out a credit card or get a loan. While less than perfect credit will not necessarily prevent you from being able to receive a loan, all loans are subject to credit approval. PaydayNetwork.com may do a "soft pull" of your credit information, which will not impact your credit score. Furthermore, the lender that you are connected with may run a credit check with one or more credit reporting agency. If you had many credit checks in a given period of time, then it is possible that this check may negatively affect your credit score.
As previously stated, PaydayNetwork.com is not a lender, and we do not get involved in the process of debt collection. As part of the loan documents your lender will provide to you, you will find detailed information concerning their specific debt collection practices. If you are unsure of what those collection practices entail, we suggest that you contact the lender. PaydayNetwork.com works with lenders and financial service providers that follow all applicable laws.
Prior to accepting a particular cash advance loan offer, you will be presented with various loan renewal options by your lender. Carefully look through the lender's loan renewal policy before you electronically sign loan documents of any type. Be aware of the fact that state regulations determine lenders' loan renewal policies to a significant extent.
Loans should not be used as a long-term financial solution. At PaydayNetwork.com, we always encourage borrowers to repay their loan fully and by the time it is due so they can avoid fees such as late penalties and nonpayment penalties. If you think that you may experience difficulty paying back a loan after borrowing it, PaydayNetwork.com advises you to closely examine different loan alternatives before you take the step of requesting loan assistance through us.