Rate & Fees

AmeriPaydayLoans.com’s service is always free. The rates and fees applicable to your loan will be set by your lender. AmeriPaydayLoans.com is not a lender and does not provide lending services directly to consumers. AmeriPaydayLoans.com uses the information you submit to quickly and conveniently connect you with a lender.

Full Disclosure of Terms

The Truth in Lending Act requires full disclosure of all loan fees and interest rates. Your lender should disclose all fees and rates to you before you accept your loan. If you accept the loan terms, most lenders will direct you to an e-signature page to complete the loan process. Please take the time to read your loan agreement before accepting and signing it.

Late Payment Policy

Lenders may have different policies regarding late payments. Review the late payment policy detailed in your loan agreement before signing. All lenders must abide by applicable laws, rules, and regulations regarding late payment fees. Select your state from the list below to review the laws and regulations governing late payments by a particular state.

Non-payment Policy

Additional fees or charges may apply in the event that you are unable to repay your loan. AmeriPaydayLoans.com tries to work with reputable lenders dedicated to using lawful, fair and reasonable means to pursue collections of overdue accounts. Find your state in the list down below to review the legal repercussions applicable to you in the case of non-payment.

Loan Renewal Policy

Loan renewal policies are largely governed by state law. In states where rollovers are allowed, additional interest and late fees can add substantial to your final loan amount, so these should be avoided whenever possible. Find your state’s laws and regulations governing rollovers and extensions from the list below. Read the lender’s terms in considering renewal options before signing the loan agreement.

Restrictions

You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this Site for any illegal or inappropriate activities.

Please note that this list is for informational purposes only, is not intended to be legal advice, and may not be accurate or up to date at all times. If you have a specific question about laws or regulations applicable to you, please ask your lender directly or consult a legal adviser. Some states do not have any lending statutory provisions pertaining to personal loans.

Contact your lender with any questions or problems with your loan.

AmeriPaydayLoans.com does not charge consumers for its loan connecting services, so registering online is free!

Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. AmeriPaydayLoans.com is not a lender or lending partner and does not make loan or credit decisions. AmeriPaydayLoans.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. AmeriPaydayLoans.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. AmeriPaydayLoans.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, AmeriPaydayLoans.com’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where AmeriPaydayLoans.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing AmeriPaydayLoans.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize AmeriPaydayLoans.com to share your information and credit history with a network of approved lenders and lending partners.

Lender’s or Lending Partner’s Disclosure of Terms.

The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. AmeriPaydayLoans.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.

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