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Finding the right Payday Loan can be very confusing. At Payday Money Store, our goal is to help you find the best payday loan for your needs. If speed and ease of use is your goal, we have hooked up with a payday loan matching service that can shift your fast cash search into high gear. Are you ready to get your Payday Loan Application started?

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About Payday Loans

Payday Loans are small short term, high interest rate loans made by finance companies, check cashers, and banks.

Usually, a borrowing writes a post dated personal check to the lender for the amount he or she wishes to borrow, plus the lenders finance fee. The lender then gives the borrower cash minus their fee. Payday Loan lender's finance fees will range from $10, $15, $25, or more per $100 borrowed.

Most payday loan lenders will allow borrowers the opportunity to roll over - renew their loan and pay the finance fee only. Or you can choose to pay back a portion of the loan plus the finance fee.

As you can see, a loan secured by your personal check is very expensive. We would encourage you to seek alternatives forms of loans before you secure a payday loan - cash advance. If this type of loan is your only means of securing quick cash for emergency expenses, you are encouraged to educated yourself on the different payday loan - cash advance providers available.

Special Note: Many Payday Loan websites that are not actual lenders. They are lead generating sites that will distrubute (sell) your personal information (your email address)to a variety of marketers. I have filled out per-approval forms and still receive soliciting emails months after filling out the form.

Under the Truth in Lending Act, the cost of Payday Loans , like other types of credit, must be disclosed. Among other information, you must receive, in writing, the finance charge (a dollar amount) and the annual percentage rate or APR (the cost of credit on a yearly basis).

Alternatives to a Payday Loan

  • Ask you creditors for more time to pay your bills. If you simply explain your hardship, most companies have plans that would allow you to delay payment. You should expect late charges or other fees. But these are generally less that your interest rate on a short term Payday Loan
  • Ask family or friends for help.
  • If you decide you must use a payday loan, borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to the next payday. We have also provided you with Payday Loan provider reviews to help make your borrowing decision a little easier. These reviews do not give you financial advise or recommendations. They are only offered to you as a helpful reference source.
  • Look for other types of loans at your local Bank, Credit Union, or finance companies. If you have bad credit, these loans may also have high interest rates, but are generally cheaper than a payday loan.
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    The operator of this website is not a payday loan lender and does not make loan or credit decisions in connection with its loan matching service. Completion of this application in no way guarantees that you will be approved for a payday loan. This site will attempt to match you with a payday loan lender based on your application. This service is not available in all states and the states serviced by this Website may change from time to time and without notice.

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