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ABOUT APRs RATES

Annual Percentage Rate (APR)

Notes.

Annual Percentage Rate (APR) represents the annualized interest rate that you are charged for borrowing. It is the combination of the nominal interest rate and some additional costs such as fees involved in obtaining a loan. Typically, APRs for personal loans range from 4.99% to 450%, APRs for cash advance loans vary from 200% to 1386%, and APRs for installment loans range from 6.63% to 225%. Since paydaycash.online is not involved in the lending process, we cannot deliver any specifics about the APR you will be offered. The APR depends solely on your lender’s decision, based on various factors including your credit score, credit history, income, and some other information you supply in your request. For more information regarding the APR contact your lender.

Representative Example of APR

Example.

If you borrow $2,500 over a term of 1 year with an APR of 10% and a fee of 3%, you will pay $219,79 each month. The total amount payable will be $2,637, with a total interest of $137,48.

Financial Implications (Interest & Finance Charges)

Notes.

paydaycash.online is not a lender and we cannot predict what fees and interest rates will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. It is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. paydaycash.online service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

Notes.

When you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as paydaycash.online is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. For more information, please contact the lender directly if you have any issues relating to your loan repayment.

Other considerations

Potential Impact on Credit Score

paydaycash.online offers cash advance loans and payday loans and personal loans too, but paydaycash.online is not a lender and we do not check your credit standing and credit capacity. When you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. Most likely they will turn to any of the three major credit bureaus (Transunion, Experian, and Equifax) that is in most cases considered a hard inquiry and may affect your credit score.


Collection Practices

paydaycash.online is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the issue, please, address them to your lender. For more information visit our page for Responsible Lending.


Loan Renewal Policies

Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.

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Disclaimer

Legal Disclaimer: paydaycash.online PROVIDES A MARKETPLACE SERVICE WHERE YOUR LOAN REQUEST IS SUBMITTED TO A NETWORK OF REPUTABLE LENDERS. THE WEBSITE FUNCTIONS AS A FREE ONLINE PLATFORM THAT ESTABLISHES A CONNECTION BETWEEN A USER AND A LENDER. LENDERS ON THIS PLATFORM MAY OFFER PERSONAL LOANS FROM $100 TO $1000. WE DO NOT PROMOTE OR REPRESENT PARTICULAR LENDERS; HENCE, WE DO NOT HAVE ANY CONTROL OVER LENDERS. THEIR OFFERS, TERMS, ACTIONS, AND INACTIONS ARE BEYOND OUR RESPONSIBILITY. WE DO NOT GUARANTEE THAT YOU WILL BE CONTACTED BY A LENDER OR THAT YOU WILL BE SATISFIED WITH THE TERMS AND CONDITIONS OF A LOAN OFFER MADE TO YOU BY ONE OF THE LENDERS. WE ALSO DO NOT ENCOURAGE YOU TO AGREE TO THESE OFFERS. CONCLUDING A LOAN AGREEMENT WITH A LENDER AND GIVING YOUR E-SIGNATURE TO A DEAL IS YOUR DECISION AND YOUR RESPONSIBILITY. paydaycash.online MAY NOT BE AVAILABLE IN ALL STATES AND ITS AVAILABILITY IS SUBJECT TO CHANGE. ALL THE INFORMATION YOU CAN FIND ON paydaycash.online IS GIVEN “AS IS” AND IS SUBJECT TO CHANGE. YOU ACCESS IT VOLUNTARILY AND AT YOUR OWN RISK. WE RESERVE THE RIGHT TO SHARE YOUR PERSONAL INFORMATION WITH OUR PARTNERS, AFFILIATES, PARTICIPATING LENDERS BY FOLLOWING PER UNDER OUR MARKETING PRACTICES AND PRIVACY POLICY.


OUR VIEWS, GOALS, POLICY, TERMS, AND CONDITIONS ARE CLEARLY EXPRESSED IN THE CORRESPONDING SECTIONS OF THIS WEBSITE. BY ACCESSING AND USING paydaycash.online YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO THEM. WE ALSO RESERVE THE RIGHT TO MODIFY THEM WHEN WE FIND IT RELEVANT TO DO IT WITHOUT NOTIFICATION.


Сredit Check: YOU UNDERSTAND THAT SOME LENDERS MAY CHECK YOUR PERSONAL INFORMATION AND REVIEW YOUR CREDITWORTHINESS. THEY MAY TURN TO NATIONAL DATABASES AND CREDIT REPORTING AGENCIES. SOME OF THESE INQUIRIES MAY AFFECT YOUR CREDIT SCORE. NOTE THAT THE AMOUNT THAT A LENDER MAY OFFER ALSO DEPENDS ON LOCAL REGULATIONS AS LEGISLATION OF SOME STATES LIMITS LENDING TERMS AND CONDITIONS