HOW IT WORKS

How Online Cash Loans Work

This is an online service provided by our lending partners for individuals who are in dire need of short-term loans. Each time you receive an online payday loan, you can be assured that we will connect you with a reputable lender that is available to offer you financial assistance you need.

ABOUT SHORT-TERM LOANS

A secure, fast, and cost-free online application is what we offer.

As a reliable brand that loves to protect the privacy of our esteemed clients, we utilize the best security software technology and most advanced gadgets to ensure the protection of our clients’ information. As soon as we take hold of the crucial information from you, your application will be reviewed and sent to the lending agent that best suits your immediate needs. We have a network of lenders who can provide up to about $1,000 in cash within a business day. You will be contacted by your lender, and there may be a need to send additional details for fast processing of your loan application. 

REVIEW THE NO-OBLIGATION OFFERS

Kindly fill your details on our no-obligation loan application, and we will handle the remaining part of the procedure. We ensure fast processing of information in your form and link you with the lender that suits your best interests. You will be presented with a loan offer as soon as your application is approved. You can take your time to cross-check the terms of the proposal and make your decision. However, there is no obligation to accept these terms.

GETTING YOUR CASH

If you are applying for a cash advance, you will be required to give us few details and take time to go through the details of your payday loan online agreement. We will send your application to our robust network of lenders for approval, and where you will need to provide an electronic signature to sign a contract. Your cash advance loan will be released into your checking account as soon as your application is approved within a business day or less.

REPAYING YOUR PAYDAY LOAN ONLINE

You have been approved for your payday loan online and have used it to offset your expenses. What happens next? You are compelled to repay your loan by your agreement. Various lenders ensure the loan repayment process is simple. If you choose a direct withdrawal option while closing your loan agreement, you can your repay your loan via electronic means.

Most often, all you need to repay your loan is to ensure the repayment amount which is the specific amount, any interest and extra fees are made available for withdrawal on the planned date. Using this process prevent you from using checks or visit a retail location. It also prevents you from late payments and can also save you cash.

SHORT-TERM LOAN QUALIFICATIONS

To be eligible for a short-term loan is a straightforward process, you need to fulfill some guidelines, but its requirements are more comfortable compared to other forms of consumer credit. These are the conditions you need to fulfill to secure a short-term cash loan:

•    You must be above the age of 18 years.

•    You must be working with the same employer in the last ninety days.

•    The United States of America permanent residents are also permitted to apply

•    Possess a valid email address and an active telephone number

•    Must have a real, steady and verifiable bank account which is currently not insolvent.

•    All applicants must meet the aforementioned minimum requirements.

YOUR CREDIT HISTORY IS NOT A PROBLEM

Most lenders that associate with PaydayClick.com often conduct credit checks when required. Individuals without savings or credit cards will appreciate the value of payday loans. These forms of loans do not necessitate a routine credit check, and they are prevalent among individuals with financial difficulties. The lenders in our network can conduct alternative credit checks with firms like TeleTrack or DP. These checks are necessary to ensure the loan applicant is insolvent and also confirm you do not have outstanding loans with other lenders. 

GETTING THE MAJOR ADVANTAGE FROM SHORT-TERM LOANS

If you want to enjoy the remarkable advantages of short-term loans, it is necessary for you to repay your loan promptly. When you repay your loans quickly, it will prevent you from paying the exorbitant late payment fees and create a strong business relationship with your lender. You must ensure that you will have money in your account that will be used to offset the loan each time you are required to repay the loan. It is also important to contact your lender about other alternatives in a scenario where you will be unable to repay your loan at the specified time.  

HOW WE CAN HELP

At PaydayClick.com, we are readily available to your inquiries about our short-term, range of services, and website. We aim to provide you with innovative and excellent customer support, and we will always deliver proven solutions to your questions as soon as possible. In case you have a pending issue with any payday loan online agreement with a lender in our network, feel free to approach the lender as we lack the authority to vital information regarding the loan contract you have signed the lender. 

Disclaimer
Short-term loans are emergency credit products of relatively small amounts designed for short-term financial issues only and can become an expensive product if used for long-term purposes.

 

The owner and operator of PaydayClick.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designedonly for amatching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presentedon the website for information purposes only. PaydayClick.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. PaydayClick.com does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. PaydayClick.com cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.

 

APR Representative
APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since PaydayClick.com is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, PaydayClick.com cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant.

Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with PaydayClick.com and PaydayClick.com has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.

 

Late Payment Implications
It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.


Non-payment Implications
Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied.


Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.


Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.