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How It Works

Requesting a short-term loan is easy with Us.
Most lenders have the following requirements to be approved:

To be accepted by most lenders in our network, you should:

  • Be employed at your present job for at least 90 days.
  • Be a US citizen or a permanent resident, and over the age of 18.
  • Have an income of around $1,000 per month after tax deductions.
  • Have a checking account in your name.
  • Provide a working telephone number for your home and work.
  • Provide a valid email address.

Get Money in Hand

Fill out the Simple form and Get Your Money in few Minutes

Representative Examples of APR, Total Loan Costs & Fee

  • For example, the $2,000 representative loan above with a 24-month term and a 5% origination fee would have a total cost, including the 5% origination fee ($100) plus interest, of $519.68 and a total payback amount of $2,419.68.
  • Min. Interest Rate = 13.00%    Min. APR = 18.23%      Min. Fees = 3%

Loan Amount
Interest Rate
Loan Term
Fee
Monthly Payment
APR
Total Payments
Total Cost
$1,000
24.00%
12 Months
3.00%
$94.56
29.82%
$1,134.72
$164.72
$2,000
19.00%
24 Months
5.00%
$100.82
24.12%
$2,419.68
$519.68
$2,500
16.00%
36 Months
10.00%
$87.89
22.93%
$3,164.13
$914.13
$5,000
13.00%
48 Months
12.00%
$131.67
18.32%
$6,320.12
$1320.12

Important Disclosures. Please Read Carefully.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. mypaydayloan.online is not a lender and does not make loan or credit decisions. mypaydayloan.online connects interested persons with a lender from its network of approved lenders. mypaydayloan.online does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. mypaydayloan.online receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, mypaydayloan.online's service is always free to you.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where mypaydayloan.online does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and individual federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether common or state-licensed and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

mypaydayloan.online does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to mypaydayloan.online, you are giving lenders in mypaydayloan.online's network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.

Lender's Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information about the loan being offered, including any potential fees for late payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender's internal policies, underwriting criteria, and applicable law. mypaydayloan.online has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the conditions of any loan offered by any lender, whether tribal or state-licensed and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

 

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments. Lenders are required to follow the Fair Debt Collections Practices Act and related state law when collecting money from you.

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