Even if you need cash badly, it is important that you take wise decision!!!

In case of borrowing wise decision means comparing rates and fees associated with the loan to choose the best offer.

APR for a loan is fixed solely by the lender. We do not have any say in it. Mostly, lenders have a comparatively low rate when the amount is high and high rate when the amount is low. Therefore, even if you are eligible to borrow up to $1500, you should only opt for the amount that you actually require to square off the nagging expense.

Another determinant of the amount of rate is credit profile of a borrower. If a borrower's credit report reveals that he missed payments or failed to repay loans in the past, then the lender may get apprehensive and may demand a higher rate.

However, if you manage to repay on time despite having a bad credit report, the lender may lower the rate for the next loan.

Being prompt with documentation and showing genuine documents can make a lender reduce rates. After reviewing your loan request, the lender would ask for documents, which establish that you have a stable income.

Most borrowers, who are able to show them, win confidence of the lender and get hold of cash at a decent rate.

Interest rates and fines are different. While you cannot escape paying interest rate on your loan, you can avoid paying a fine. By making a repayment on the due date, you will only be required to pay as much as you owe to the lender.

Nevertheless, when the lender does not receive the borrowed amount from you, you automatically become liable to pay a fine.

As a lender would rather not fine a borrower, it is best to let him know that you cannot make the repayment on the due date. The lender would suggest options, which can save you from becoming a defaulter.

Please note that Short Term Loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions

The operator of this website is not a lender and does not make credit decisions. The information you provide will be used in securing you a payday loan with one of our carefully selected panel of leading Payday Loan Lenders in USA. The personal, financial and employment information that we collect is stored electronically during the duration of the application and is removed from our system upon acceptance from the lender.

We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayment, please do not apply with us in the first place. It is not worth risking your credit rating for such a small amount.