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Rates & Fees

Rates charged depend on each applicant's information, the state and the lender matched with. Fees typically range from $12 to $30 per $100 borrowed, but we cannot provide specific rate information unless you fill out our risk-free, no obligation application.

Our service matches you with the best possible lender, until that match is made we cannot provide exact rate information. Once you complete the free online application and are paired with a lender, you will be able to review actual rate information prior to accepting the loan.

An example from our APR calculator: With a minimum 14 day loan term (regardless of early loan payoff), we estimate that the finance charges offered through the loan sources displayed on this website 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 range 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 FlashPayday.com. Additional fees may apply to you in the event that you are unable to repay your loan.

Loan renewals: Renewal policies are determined by the lender, not by FlashPayday.com, 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.

Our APR Calculator

Loan amount
Days
For a $100 loan over 14 days, the APR will be between 391.07% - 782.14%.

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