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What is a Payday Loan?

A payday loan is a small loan, typically between $100-$1000, that is used to help a borrower's unexpected expenses such as bill payments, car repairs, household emergency repairs or other financial emergencies. Payday loans can be a great short-term source of emergency cash, but need to be repaid when the next paycheck arrives. Payday loans are therefore often referred to as Cash Advance Loans.

How much will the loan cost?

The cost of the loan and APR depends on information in your application. The terms are disclosed in the application process when you are directed to the lender's loan agreement.

A representative example: With a minimum 14 day loan term (regardless of early loan payoff), we estimate that the fees and finance charges offered by members of our lending network range from $12 per $100 borrowed each 14 days (two weeks) up to $30 per $100 borrowed each 14 days (two weeks). The corresponding Annual Percentage Rate (APR) for this estimated range would be between 391.07% and 782.14%. More generally, depending on the exact loan amount, loan period and lender we match you with, the APR may be between 260.71% to 1825%.

Implications of Non-Payment of Loan

Late/partial payments: If full amount of principal and interest is not paid on any agreed-upon payment date, borrower may be charged a new finance charge and payment date may be extended until borrower's next pay date. This new finance charge may be a flat fee, or may be calculated by applying the proportionate amount of the finance charge to the unpaid loan amount. Review the late payment policy detailed in the loan documents provided to you by your lender before signing your e-signature, and thereby agreeing to the loan terms.

Non-payment: Any action regarding non-payment may be initiated by the lender we match you with, not by Additional fees or charges by your lender may be requested in the event that you are unable to repay your loan in full or if you make a late payment. FlashPayday cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender.

Loan renewals: Renewal policies are determined by the lender, not by, and therefore they will vary. With every extension or renewal, a new finance charge ("Extension Fee") may be assessed by the lender, and the re-payment date may be extended until the borrower's next pay date. The finance charges range from $12-$35 per one hundred dollars borrowed ofer a 14-day period, depending on the lender. For more details, please review our fees page.

Collection practices: Collections practices of lenders and/or any assignee(s) will be in accordance with the principles of any applicable federal regulations at all times. Lenders may attempt to contact borrowers via one or more authorized methods, including phone calls and emails, to arrange for payment.

Impact to Credit Scores: Your lender may report late or missed payments to the credit bureaus. This can negatively affect your credit store. Consumers with credit difficulties should seek credit counseling.

How does it Work? is a lending network, NOT a direct lender. All repayment terms and associated dealings are between you and the lender. Every lender in our network has different loan terms such as the loan amount, the APR of the loan and repayment schedules. For more information, please visit our how it works page of this site.

What does for you

1 Gather information

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Fill out FlashPayday's simple and secure online application form.

2Matching you & lender

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FlashPayday matches you with a participating lending partner based on your application and lender requirements.

The Lender

3Sign Contract

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On the lender's website, carefully review the loan terms and conditions and sign the contract. Cash is then deposited in your account.

How much can I borrow?

Lenders supply borrowers with any amount of $100 - $1000. How much money you can borrow exactly, however, depends on a few factors such as the lender we match you with, your income and employment history. Lenders may provide up to $1000 and once approved, and money is wired straight into your bank account.

How do I qualify for a loan?

Most lenders will qualify you for a loan if you:

  1. Have a job or receive regular income.
  2. Earn at least $800 per month.
  3. Are a U.S. resident at least 18 years old.
  4. Have a bank account in good standing.

Prior bankruptcy, a poor credit history or charge-offs do not automatically disqualify you - you may still apply for a loan.

Do I need to fax documents as part of the application?

In most cases no. However, if data provided is inconclusive or seems false, lenders may ask for additional documentation to be faxed.

Can I have multiple loans at a time?

Payday Loans are intended to be a short-term relief to financial hardship only such as emergencies that require a one-off cash loan. Payday Loans are not a long-term solution to cash flow problems. Hence we highly recommend you do not take out multiple payday loans at once.

I certify that I am a U.S. resident over the age of 18. I agree to the Privacy Policy and Terms of Website Use and that I may receive email offers from and its marketing partners. I understand that is not a lender, does not broker loans, and does not make cash advance or credit decisions. Information that you provide in your application will be shared with lenders participating in our network of payday loan lenders, and those lenders will review, verify, and research your information to determine whether you may qualify to receive a loan from them.