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. See a Representative Example. Borrow 200 for 14 days with a 30 to 60 lender fee.
Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.
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While our lenders might not run a traditional credit check through the "Big 3" credit bureaus, many will run some form of credit report.
Regardless of where you go to apply for a payday loan (direct lender or otherwise), some form of a credit report will most likely be run on you. This is true with most lenders today. It's important to understand that your credit rating andor history may NOT be the sole basis on whether or not you're approved for a loan, as most lenders will look at other factors as well.
While actual requirements vary by lender, most will require the following: 1. Must be at least 18 years of age and be a U.