Get a Payday Loan Now Without the Wait
Getting a payday loan now is becoming a necessity for many consumers struggling to make ends meet in the current economy. Unemployment rates remain high, job security is increasingly uncertain, and fewer and fewer lenders are willing to extend loan approval for hardworking Americans. This is creating an urgent problem for those in need of emergency cash, especially for those in crisis. PaydayLoanNow.com provides a friendly alternative to traditional lending institutions, and a faster alternative too, letting you get your payday loan now. Our guidelines are lenient enough to assist those who really need it the most, while still offering generous repayment terms that work with your budget. Everyone needs a little help once in a while, and we’re proud to say that it’s our pleasure to provide that help.
The black and white lending terms that are all too often found in traditional banking typically just aren’t applicable to real life. The only people who can get approved for loans are those who can prove that they don’t need the money and are able to pay all their bills on time. In some ways, it seems like that defeats the basic purpose of a loan in the first place, and it certainly doesn’t take into account anyone who finds him or herself in unexpected financial hardship. Unanticipated layoffs, health problems, emergency car or house repairs … any one of those events can wreak havoc even on the most scrupulous budget. And if they all happen close together, it prevents families from really getting a chance to recover. That’s where we come in.
Get an Advance on Your Next Paycheck
PaydayLoanNow.com provides a unique opportunity that can be thought of as an advance on your next paycheck. Our network of lenders work with you and your income restrictions to decide together on an amount that will work best, one that can be paid back as soon as you get paid again. And that’s it; you can get your payday loan money today. The specific loan terms will vary a little depending on which state you’re in, but the basics stay the same. You only need to accept an amount that works for your finances and is easy to repay with your next paycheck.
The application and approval process couldn’t be faster or more convenient. The loan application is available online, so you won’t have to take any time off work for long face-to-face meetings or to drive across town to your bank’s main office. It takes just a few minutes to fill out the application, and the loan funds are deposited right into your bank account electronically. Since the Internet is a 24-hour resource, you won’t have to adjust your lifestyle to be approved for a loan; you can apply no matter what shift you work or how hectic your life is. And unlike using a credit card for emergencies, payday loans are repaid with your very next paycheck, so you won’t spend the next several years in debt, just making minimum payments to stay afloat.
Payday loan requirements are simple:
- Be at least 18 years old.
- Be a U.S. citizen or legal resident.
- Have a bank account in your name.
- Have a working telephone number and email address.
- Earn at least $1,000/mo. after taxes.
- Be employed for 90 days continuously.
Approval takes just minutes, unlike the weeks or months you might find yourself waiting if applying for a loan through a bank.
Convenience When You Need It
Getting a payday loan now is a convenient solution for many people who are struggling. It’s even easier on PaydayLoanNow.com, because of its easy application process and almost immediate approval. And you won’t have to worry about shady business practices that are so common among other lenders, because the lenders listed on this site are bound by the federal Truth in Lending, which requires financial transparency at every stage of the transaction.
Every lost working day due to a car you can’t afford to fix or a day that unpaid bill stack up late fees is more money out of your family’s pocket. This can often be the beginning of excessive consumer debt, piling more and more charges onto the credit card because you can’t afford to live any other way. This vicious cycle just keeps going and going, but choosing a payday loan now can help break that loop. A quick cash infusion can allow you to meet your financial obligations, and it’s repaid back so quickly that you’ll never have to worry about adding to your monthly expenses because of it.
Plus, if you’re suffering from bad credit due to your financial problems, prompt repayment of your payday loan can actually help improve your credit score. Over time, this process can enable you to once again be approved for larger loans through a regular lender. Good credit can also lead to lower interest rates on future loans and increase the likelihood that you’ll be approved for a mortgage. Even employers may check your credit score; so keeping that number high can lead to more money in your paycheck and increased employment security.
No Waiting, Get a Payday Loan Now!
With PaydayLoanNow.com, there’s no reason to become trapped in financial circumstances beyond your control. A small loan can be just the thing to help you escape the never-ending cycle of debt and struggling to get by from paycheck to paycheck, as so many families are these days. The chance to climb out of this difficult situation is only a few minutes away: when you get a payday loan now, you’ll have a financial advantage that will finally give you peace of mind. Fill out our easy application today!
APR – Representative Range Explanation
The annualized interest rate that you are charged on a cash loan is known as the APR, which stands for annual percentage rate. PaydayLoanNow.com is not a lender and therefore does not disburse loans, but it does refer consumers to lenders who are in the business of providing loans of this type, and it does not charge fees for this service. Because PaydayLoanNow.com is not a lender, it is not able to supply you with the exact APR that will be attached to your loan. Keep in mind that APRs can vary according to the information that you provide in your loan request and also the information that your lender gives you.
Your lender will supply you with specifics regarding the APR, finance charges and any other applicable terms when you are redirected to your loan agreement during the process of requesting a loan. If you need help with any PaydayLoanNow.com-related services, you may Contact Us.
The APR on a cash loan can range widely, generally being anywhere from 200 percent to 2,290 percent depending on exactly how it is calculated and other variables such as the loan duration, any fees incurred (nonpayment, late fees, etc. ...) and loan renewal actions. You should be mindful of the fact that the APR range is not your finance charge; that will be disclosed by your lender at a later point in the loan request process.
YOU CAN BORROW $300 FOR 14 DAYS WITH A $40 TO $80 LENDER CHARGE. YOUR ESTIMATED APR IS 347% TO 695%*Cash loans are relatively pricey when compared with other loan types. Cash loans are not recommended as a long-term financial solution and should only be taken out in emergency situations. *Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End Calculation: ($40 / $300) * (365 days / 14 days) x 100 = 347.62% High End Calculation: ($80 / $300) * (365 days / 14 days) x 100 = 695.24%
Important Implications to ConsiderPaydayLoanNow.com only partners with lenders who make it a practice to provide customers with detailed information regarding loan conditions and terms prior to their acceptance of a particular loan offer. You should always closely go over the conditions and terms of any loan offer you receive. For more details about these considerations, look at our Lending Policy and Rates & Fees Web pages.
Should you be approved for a cash loan, your lender will inform you of the fees and interest rate attached to that loan before you go ahead and formally accept their offer. As previously stated, PaydayLoanNow.com is not a lender, and therefore it is unable to predict the specific interest and fees that will be connected to the offer. Please be aware that under no circumstances are you obliged to accept any particular loan offer.
When you accept the conditions and terms attached to a loan offer, you are effectively agreeing to pay back the principal and finance charges in the required amount of time specified in the loan agreement. Additional charges could apply should you not be able to repay your loan in full or in the event that you make a payment after its due date. PaydayLoanNow.com cannot predict the charges you will incur as a result of nonpayment, partial payment or late payment. Moreover, it has no control over knowledge of the loan details between you and your lender.
Make sure to refer to the nonpayment, partial payment and late payment policies detailed in the loan documents you get from your lender. It is the policy of PaydayLoanNow.com to only work with lenders who are reputable and who make it a practice to pursue collections of past-due accounts in manner that is fair and reasonable.
It is the policy of PaydayLoanNow.com to not get involved in making credit decisions or ever perform credit inquiries on prospective loan borrowers. However, some of PaydayLoanNow.com’s affiliated lenders may opt to conduct a nontraditional credit check for the purpose of determining your eligibility for a cash loan. The lenders generally will not perform a credit inquiry with any of the three major credit bureaus in the United States (Experian, TransUnion and Equifax).
In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating. PaydayLoanNow.com wholeheartedly encourages consumers with credit problems to consult a credit counselor.
Again, PaydayLoanNow.com is not a lender, and we also do not ever engage in debt collecting. In their loan documents, your lender will provide information to you about their collection practices. Should you be unsure of the practices that are used by a particular lender, we highly recommend that you directly discuss this issue with the lender. PaydayLoanNow.com’s policy is to only work with reputable lenders who make it a practice to pursue collections of past-due accounts in a fair and reasonable manner.
Prior to your acceptance of their loan offer, your lender will present you with loan renewal options. Please be sure to carefully go over their loan renewal policy before you proceed to sign any loan documents. Keep in mind that to a large extent state regulatory laws govern loan renewal policies.
It is intended that cash loans be used solely as a short-term financial instrument. We strongly encourage all borrowers to repay their loan in full and by the specified due date in order to avoid fees stemming from nonpayment and/or late payment. If you believe that you may potentially have difficulty paying off a cash loan after taking it out, we recommend that you explore various loan alternatives before applying for a loan through our website.