PayDay Loans

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What is a payday loan?

A payday loan is an unsecured, short-term cash loan typically backed by a future source of income, often times a paycheck or anticipated benefit. These loans should only be used when truly needed, such as in emergency financial situations. They are not a solution to long-term debt problems.

How does easyloans911.com ’s loan matching service work?

easyloans911.com is not a lender and does not make credit decisions. It simply connects interested consumers with independent, licensed third party lenders based on the information provided. Begin by completing our simple form. Once submitted, easyloans911.com will try to connect you with an interested third party lender. Every third party lender has their own terms and conditions for payday loans (i.e., fees, repayment terms, renewal policies, APRs, etc.), and each makes approval decisions separately. If matched with an third party lender, be sure to fully understand the lender’s terms and conditions before agreeing to them. If you do not understand or agree to the lender’s terms and conditions, you may refuse the loan offer. If you have any questions or concerns about your payday loan, you should contact your lender directly.

Does easyloans911.com charge a fee to connect consumers with independent third party lenders?

Registering to be connected with third party lenders at easyloans911.com is free! Since easyloans911.com is not a lender, there are no fees or interest directly associated with registration. easyloans911.com is a loan matching service that facilitates your request for access to participating third party lenders who may be able to meet your needs. If you are approved by a lender, the rates and fees associated with your loan will vary from lender to lender.

What amount can be borrowed with a payday loan?

Typically, the amount that can be borrowed with a payday loan ranges between $100 and $1,000. Please note, however, not all lenders offer up to $1,000, and the amount offered by an interested lender may differ from the amount sought. How much you qualify for depends on numerous factors including your lender, income, and employment.

If approved for a payday loan by an independent third party lender, how quickly could I receive it?

An independent third party lender could transfer an approved payday loan to your bank account as early as the next business day. Please note, however, cash transfer times may vary depending on the lender and your individual financial institution.

What are the minimum requirements to apply for a payday loan?

easyloans911.com is not a lender and does not make credit decisions. Independent lenders have their own minimum requirements which must be met to be approved for a payday loan, and one independent lender’s may differ from another’s. Such minimum requirements typically include, but may not be limited to:

  • 18 years of age or older
  • U.S. Citizenship Valid checking or savings account with direct deposit
  • Regular income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer
  • What information is needed to use the services offered by easyloans911.com?

    You must provide certain personal, employment, and banking information to be matched with prospective independent third party lenders. Such information includes, without limitation, name, address, telephone number, email address, social security number, driver’s license number, bank account information, and employment information. The information you provide must be accurate. Once submitted, independent lenders may perform a credit check or otherwise verify your social security number or other information.

    Is the information I provide secure?

    easyloans911.com respects your privacy. Accordingly, a variety of security measures are employed to maintain the integrity of your private information. All sensitive data transmitted between your browser and easyloans911.com uses 128 bit Secure Socket Layer (SSL) encryption technology. Your use of our services is strictly voluntary and is governed by our Terms & Conditions of Use and Privacy Policy.

    Will independent third party lenders perform a credit check?

    Independent lenders may perform a credit check or otherwise verify your social security number or other information. Each independent lender makes approval decisions separately. easyloans911.com does not play a role in the credit decision process.

    When must I repay my payday loan?

    easyloans911.com is not a lender. Each independent third party lender has their own terms and conditions for payday loans, including those concerning repayment. Only your lender can provide you with information about your specific loan term. You should contact your lender directly with any questions, comments, or concerns.

    What if I am unable to repay my payday loan according to its terms?

    If you cannot repay your payday loan according to its terms, your lender may:

    If you cannot repay your payday loan according to its terms, your lender may:

    • Charge you late fees
    • Send your account to a collection agency
    • Report your information to a consumer reporting agency (which may negatively affect your credit score)
    • Offer to renew, extend or refinance your loan (which may cause you to incur additional fees, charges and interest)

    easyloans911.com is not a lender. Only your lender can provide you with information about your specific loan terms and the implications of non-payment of your loan. Ask your lender about its policies for non-payment.

    MATERIAL DISCLOSURE:

    These disclosures are provided to you for information purposes only and should not be considered legal advice.

    APR: Representative APRs range from 200% and 1386%. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon various factors, including, without limitation, the amount and cost of your loan, the term, repayment amounts and timing of payments. The range of values displayed represents the entire range of APRs associated with loans offered by our participating lenders. Some states have laws limiting the APR that the lender can charge you. However loans from a state with no such limiting laws, or loans from a bank not governed by state laws may have even higher APRs. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. By law, the lender must show you the APR before you enter into the loan. Please be sure your lender gives you the APR along with the other terms of your loan before you sign their agreement.

    The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We do not have access to the full terms of your loan. This is not a solicitation for a particular loan. We are a referral service to qualified participating small-dollar lenders that may offer amounts between $100 and $1,000. Not all lenders can provide up to $1,000 and there is no guarantee that you will be accepted by a participating lender. We do not endorse or charge you for any service or product. The registration information submitted by you on this website will be shared with one or more participating lenders. Any compensation received is paid by participating lenders and only for advertising services provided. We cannot guarantee loan amount availability or loan approval. You are under no obligation to use our referral service to initiate contact with a lender, nor apply for or accept credit or any loan product with any service provider or lender. Loans provided by participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. These types of loans are not a solution for long-term debt or credit difficulties. Never borrow an amount that cannot be repaid on your next pay period date. We do not control and are not responsible for the actions of any lender. Participating lenders may perform credit checks with credit reporting bureaus or obtain consumer reports through alternative providers. Cash transfer times may vary between lenders, and may depend upon your financial institution. Repayment terms vary by lenders and are regulated by state and local laws. Some faxing may be required by lenders. This service is not available in all states and is void where prohibited. Residents of some states may not be eligible for some or all short-term, small-dollar loans. The states serviced by this website may change from time to time, without notice. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. You are responsible for complying with all short-term, small-dollar loan statutory obligations in your state of residence. For details, questions or concerns regarding your loan please contact your lender directly. Consider seeking professional advice regarding your financial needs. Be sure to review our FAQs for additional information on issues such as credit and late payment implications.