Although payday loans are short-term cash advances intended to be paid off quickly, various Truth-in-Lending laws require financing disclosures to be expressed as an Annual Percentage Rate (APR), or the cost of the credit advanced to you expressed as an annual rate. This requirement provides uniformity among various credit sources, so you can compare rates and make the choice that is right for you.  While an online payday loan may not be the ideal way to finance the purchase of a home or vehicle, that is not what we are here for and that is not why was founded.  We are here to provide cash advances quickly to those who need them, and for those who traditional lenders all too often leave behind. 

The online payday loans provided by are meant for short periods of time.  You will notice that the APR for an online payday loan is higher than most traditional loans offered by banks and other financial institutions, but these cash advances are meant to help you get through a few days or weeks rather than several years.  Also, the requirements for receiving a cash advance from are much less obtrusive than traditional lending sources, and being approved for a payday loan is much easier than for a traditional loan.  Being that our online payday loans are easier to obtain, more customers can find the help they need when they needed, and much more quickly than most traditional lending institutions.

The following table provides examples of the cost to obtain a payday loan. The APRs are based on example loan terms of one payment (“Check Amount”) due in 14 days. The APR will increase if the actual loan term is shorter than these examples.  Remember APR stands for Annual Percentage Rate, meaning the rate of interest compounded over a year’s time. Please do not base your decision on receiving short-term financing on the APR alone, but take into account the other factors discussed throughout the website. These are short term loans that don’t require any collateral. Once you complete your online application, the funds can be available to you within 24 hours of being approved and everything can be done without having to involve your bank.  If you can’t get a loan from a traditional lending source, we hope you will consider our short-term solution to help you when you need it most.


NOTICE: This lender offers short-term loans. Please read and understand the terms of the loan agreement before signing. Pursuant to section 20 CSR 1140-11.030(2), the notice shall include the name, address, and telephone number of the Division of Finance.