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US Payday Loans
It take a few minutes to fill out a one-step form.
Faxless payday loans in all available provinces
You are only two clicks from receiving a loan. When you send your application, our network quickly processes it and gets back to you in a matter of minutes. The whole process is electronic, so there is no need for documents, employment stubs, utility bills, and etc. Your application is free of charge. You will know immediately about the status of your application. The application is FREE of charge (no hidden or extra fees).
Loans300.com gives you a platform to apply for a low cost payday loan. We are one of the largest network of lenders in the USA, UK and Canada specializing in rendering financial services, such as payday loans or online cash advances. In order to receive a payday loan all you need to do is:
- Read and complete an online application form. You need to fill in each field accurately to be eligible for a loan.
- Our network will contact you to discuss details. You may decline the offer or withdraw your application at any time.
- The network deposits a loan in your bank account.
Your application is processed in real time. You will hear from us shortly after.
In order to qualify you need to meet the following requirements:
- You must have a regular income (any type of income will do – ssi, unemployment benefits, pension, disability, etc.)
- You must be 18 +
- You must have a checking or savings account (If you have no bank account, follow the instructions on the application)
Do people with bad credit qualify?
The answer is Yes. People with bad credit history or having all kinds of credit problems (many bounced-checks, charge-offs and etc.) still qualify and are approved for an online cash loan.
You can get from $100 up to $1,000 + . The terms and conditions are discussed directly with you upon approval.
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).
Amounts: $100, $200, $300, $400, $500, $600, $700, $800, $900, $1000
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.