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How It Works

getpaydayloans.xyz is a lender-connecting service which primary goal is to connect consumers like you with short term and online personal loan lenders whenever small dollar financial needs arise. We may successfully connect the users of our service with lenders willing to provide the funds needed.

Our Secure Online Form Is Fast and Free
Filling out of the online form at getpaydayloans.xyz only takes about two minutes. It is safe with top-notch security software and free for every user. We only ask for the information we need to connect you with a lender in our network. After you submit this information, it is forwarded to our reputable lenders who can provide you with up to $1,000 in short term loans and $3,000 in online personal loans in as little as one business day.

Review No-Obligation Offers
In a matter of minutes after we have processed your information, you may be connected with one of our lenders and can get an offer that meets your requirements and your details. You are never under obligations to accept any offer. So if the offer you receive doesn’t fit you, you can simply reject it, and it will cost you nothing.

Getting Your Cash
After getting the offer that fits your financial needs, you will go through the details of your loan agreement. Then, your lender will ask you to provide your electronic signature in this agreement to close the contract. Once this step has been completed, your lender will deposit the loan amount into your account, usually on the following business day.

Repaying Your Short Term Loan
A short term loan is repaid in a single one-time payment. Some of our lenders can make loan repayment process incredibly simple. If you opted for a direct withdrawal option while closing your loan agreement, you can have the repayment done for you electronically. In most cases, all you will need to do to repay your loan is to ensure that the repayment amount—the amount of the loan plus any applicable fees and interest—is available for withdrawal on the scheduled date. This way, you do not have to mail any checks or money orders and you do not have to visit a retail location. This paperless process also helps to reduce the likelihood of late payments and may even save you money.

Repaying Your Online Personal Loan
An online personal loan is repaid with monthly installments according to its repayment schedule. Usually it takes 6-24 months to pay off an online personal loan. You can set up an automatic repayment that will allow your lender to withdraw the necessary amount every month and let you avoid late or missed payments.

Short Term and Online Personal Loan Qualifications
Qualifying for a short term and an online persona loan for a small dollar amount is simpler and easier than qualifying for other forms of consumer credit. These are the basic qualifications associated with these loans:
• You must be 18 years of age or older;
• You must legally live in the United States;
• You must be employed with the same employer for a minimum of 90 days;
• You must have a bank account that is currently not overdrawn;
• You must have a valid email address and telephone number;
• You must meet minimum income requirements.

Your Credit History Is Usually not a Critical Issue
Even though the lenders that partner with getpaydayloans.xyz do perform credit checks if necessary, individuals with imperfect credit or no credit at all usually may qualify for loans anyway. The lenders in our network may also perform alternative credit checks with the companies like TeleTrack or DP. These verifications help to ensure that you are not currently in bankruptcy and that you do not have outstanding loans with other lenders. These checks usually do not affect your credit score.

Getting the Benefits from Short Term and Online Personal Loans
In order get the benefits associated with short term and online personal loans, it is important that you repay your loan on time. This will help you avoid potentially high late fees and build better business relationships with your lender. You should always ensure that you will have the funds available to repay your loan or make scheduled payments on time before you submit your information or e-sign any loan agreement. You should contact your lender immediately to discuss the available options if you will be unable to repay your loan or make a scheduled payment on time.

How We Can Help
We are always available to answer your questions about this website, our services, short term and online personal loans in general. We strive to provide you with outstanding customer support and will answer your inquiries as quickly as possible. If you have issues with any particular loan deal with one of our lenders, please, contact that lender directly, because we are not authorized to have details regarding any loan agreement you've entered.

Payday Loans up to $1,000

Fill out our short and easy 256-bit SSL secured online form. Get connected with a lender and get funds in as soon as the next business day.

Online Personal Loans up to $3,000

Use our form to receive an offer from one of our online personal loan lenders. Get a loan for longer terms and pay it off with monthly installment payments.

How It Works

Fill Out Our Simple Form. Get Fast Cash

It takes minutes to fill out our online form. It is protected by top-notch security software and absolutely free for you to use. No Obligations or Hidden Fees

Get Connected with a Lender

You will be connected with one of our lenders and receive your loan decision. Even the users with imperfect credit may be offered a loan. Fast Access to Lenders

Money is Deposited Directly

E-sign documents to accept your loan offer and get cash directly deposited in as soon as the next business day. Get Results Fast!

Representative APR Range

getpaydayloans.xyz is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. getpaydayloans.xyz is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on.

Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782%
Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%
High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%
Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

The APR on online personal loans can reach up to 1,386% depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.

Implications of Late Payment

You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender's specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

Implications of Non-Payment

The costs associated with loans of up to $500 can range from 15% to 40% of the entire loan amount, and the charges associated with loans of more than $500 can be even more. Your lender may also charge you late fees as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors

Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history.

Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender's policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. getpaydayloans.xyz is not a lender and does not make loans or credit decisions. getpaydayloans.xyz provides a connecting service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. getpaydayloans.xyz does not charge a service fee. getpaydayloans.xyz does not control and is not responsible for the actions or inactions of any lender. getpaydayloans.xyz does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice.
Subject to our privacy policy, getpaydayloans.xyz will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. getpaydayloans.xyz does not guarantee that completing an online form will result in your being connected with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit.
Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.