Payday Advance Credit Terms and Rates

Online Loan Application

Loan Flexibility

Payday advance credit will never force you to take a loan bigger than your requirement. The loan amount will be decided by you and approved by our lenders which is further evaluated on variety of parameters. The parameters will be explained to your before signing the contract. In case you are borrowing from Payday advance credit for the first time then the maximum amount that you can borrow is limited to $500.


Transparency of loan process

The loan agreement will clearly mention the amount borrowed, rate of interest charged and final amount you have to repay at the end of two weeks. The contract will clearly mention all the terms and conditions that apply on loan borrowed. Also there will no hidden or extra charges that you will have to incur that are not mentioned in the agreement. Any extra charges or fine that you will have to incur due to non repayment of your loan will be clearly mentioned in your agreement. If you have any additional questions or anything that is unclear, you can call the customer care to clarify your doubts.


Credit Check

The information provided by us is governed by major credit bureaus to secure our lenders against any frauds. The credit check helps us make sure that you are capable of retuning the money in time and that you don't have a bad credit history with any other lenders. This makes the process smooth and satisfactory with our clients. The details include your disposable income, current financial commitments like short term loans, long term loans or similar payday advance from other lenders. In case we reject your loan application, we will provide you with a valid reason for its rejection. Along with that we will also offer you advice on changes that you can make before applying next time. also even if you have applied and repaid the loan with us, we will still be performing a fresh credit check on you because our transactions are not based on client history but current credit status of the customer.


Lending short term loans

Verifying your potential to repay the loan is essential before applying the loan. You can easily repay your amount before or on the due date and we will be more than willing to calculate and tell you the interest that you should be paying before the due date. We always want that our clients should pay less and benefit the most with our loan schemes. You must maintain the due amount in your bank account a day before due date so that it can be automatically withdrawn and you don't have to incur any additional late or non-repayment prices. In case you are not able to repay the amount on the due date, the same, must be conveyed to the lender beforehand. loan rollovers and refinancing is not facilitated by Payday advance credit.

Our lending process is free of any catches and hidden clauses, because we answer all your doubts and explain the lending process explicitly to our buyers. Whether you have hundred questions or one, we make sure that each of them is answered to your utmost satisfaction before and after applying the loan.

Fraud Alert Please be informed about stores pretending to be Payday advance credit. Read more We're a fully licensed company. Getting a safe and easy loan We are a locally owned and fully licensed company operating locally and online. You can learn more about our payday loans and licensing information for lenders here!

Disclaimer : Payday advance credit is not a financial organization or a lender. We do not provide loan or make decisions relating to the lending policy of our lenders. When you apply for a payday loan by filling out the application form available on our site, it does not guarantee approval of the loan. We forward your filled form to our network of lenders, who then evaluate your application based on their set criteria and approves your loan. Based on your application, our lenders will offer you the rate of interest, charges involved and other terms guiding your loan process. Once you get the offer from the lender, you can then decide whether you need to accept the amount or not. Payday advance credit does not play any role in deciding your loan amount, interest charged or any other terms related to it. We advise our clients to read the terms and conditions properly and weigh the pros and cons that follow before signing the contract. We make our earnest effort to provide you with up to date and explicit information on our site. If you decide to accept the offer, then you will have to sign the documents electronically and send it over to us. After you duly sign and agree to the agreement, we will then put forward the amount in your bank. We are in no way obligate you to accept the loan amount after the offer is made. You are solely responsible to accept the loan amount based on your personal decision. Some of our lenders will run a credit check on your name to ensure your capability to repay the loan. The verification won't affect your credit history and is performed by lenders to cover risks associated with lending money. Payday advance credit reserve the right of making any changes on our website without intimating the clients in advance. The updated information is effective from the time it is updated and it is the responsivity of the customer to read them prior to applying for a loan. Payday advance credit or its affiliates do not guarantee availability, performance accuracy and functionality of the third party software working on our website. Any transactions occurring between you and payday advance credit is subjected to local jurisdiction regardless of the place where you reside. Payday advance credit or its affiliates does not guarantee the performance, availability, functionality and accuracy of the third party software present on its website. All the transactions between Payday advance credit and you are subject to the local jurisdiction regardless of the location where you live when you accept a short term loan or advance credit. We advise you to go through rates and fees section on our site to understand the laws and terms that follow your agreement. Our terms of use will help you in gathering more information on the loan process, products and services to understand it thoroughly. Read our privacy policy to understand rules and regulations to understand the collection, use and distribution of personal and non­personal information that's been gathered from customers by Payday advance credit or any affiliates. Privacy Policy