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US Payday Loans
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Faxless payday loans in all available provinces
Cheap personal loans
In order for a loan to be as cheap as possible lenders frequently require some kind of a security. However, many customers prefer to apply for unsecured loans, which should make them not only more expensive (with higher interest rate and monthly installment), but also slightly more difficult to get. Therefore, in order to achieve the golden mean between customers’ dislike for secured loans and lenders unwillingness to risk large amounts of money we have made our personal loans cheap by rethinking the application process.
With traditional lenders you apply for a personal loan and receive a proposal which you may accept, or decline and this is basically it. If you have plenty of time you may spend it looking for lender who will offer you what you want. When you apply for a personal loan with Loans 300.com the application (without any personal data) is analyzed by members of our network. Those lenders place sort of ‘reversed’ bids on your loan, which means that a number of lenders tell us for at what interest rate (or overall price) they would be willing to lend you money. We choose the best offer for you so that you could save time on looking for a lender and save money by getting your desired personal loan as cheap as you can.
The whole procedure takes very little time as it is partially automatized. You should know however, that customers with bad credit will pay a bit more for loans than those with no bad credit. The reason being that lenders treat that extra amount of money as a sort of insurance because of higher risk connected with lending. That has both pros and cons. The biggest advantage of that situation, of course, is the fact that people with bad credit can also apply and get personal loans. The only disadvantage is the fact that the loan you will need to repay slightly more that you would have to without bad credit. In order to make up for it you can always try to repay it over a longer period of time which will enable you to gather the necessary amount more easily.
One more thing that is frequently of interest to our customers is the application process.since the majority of our customers is in hurry we designed our application process to be fast and secure. Everything, beginning with the application form, through signing agreement and transferring your cheap personal loan, is done via Internet. As a result it is only a matter of minutes to fill the form and a few hours until we send the money. Therefore, in the worst case scenario you will receive your instant personal loan the next business day.
Payday loans are legal in the following states: Alabama (AL), Alaska (AK), California (CA), Colorado (CO), Delaware (DE), Florida (FL), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana, Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Mexico (NM), North Dakota, Oklahoma (OK), Oregon (OR), Rhode Island (RI), South Carolina (SC), South Dakota (ND), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), Wisconsin (WI), Wyoming (WY).
Payday loans are illegal in: Arizona (AZ), Arkansas (AR), Connecticut (CT), Georgia (GA), Maine (ME), Maryland (MD), Massachusetts (MA), New Jersey (NJ)
New York (NY), North Carolina (NC), Pennsylvania (PA), Vermont (VT), West Virginia (WV), the District of Columbia (DC).
Canadian rules: British Columbia – capped at 23% of the principal (including interests and fees)
Alberta – up to 23%
Saskatchewan – an interest rate cap of 23% of the principal, a cap of 30% on a defaulted loan
Manitoba – at 17% per two weeks
Ontario – $21 per $100 borrowed for a period of two weeks
New Brunswick – illegal at any rate over 60% per annum
Nova Scotia – the maximum rate to 25%
Prince Edward Island – $25 per $100 borrowed for a period of two weeks
Newfoundland and Labrador – no legislation
NOTICE: PLEASE BORROW RESPONSIBLY. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.
APR Disclosure Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, and APRs for installment loans range from 6.63% to 225%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.
Exclusions Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.
Credit Implications The operator of this website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.