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General Questions

A cash payday loan is a small short-term cash loan that is often meant to be repaid by your next paycheck. These loans should only be accepted when needed, such as in a financial emergency. Payday loans are not a solution to long-term debt problems. Before taking out a loan, make sure you understand the risks associated with short-term cash advances. If you are facing long-term financial debt, please consider budgeting, credit counseling, or debt-management support.

Thepaydayking.com is not a lender. We connect consumers to independent, third-party lenders based on the information you provide. The process begins with completing our simple form. Upon completion we will try to connect you to an interested third-party lender. Every third-party lender has their own terms and conditions for cash advances or payday loans (i.e. APR’s, fees, repayment terms, renewal policies, etc.). The approval process differs for each third-party lender. If connected to a third-party lender, make sure you fully understand the lender’s terms and conditions before agreeing and accepting the loan. All questions regarding the cash advance or payday loan should be discussed with the lender directly.

Thepaydayking.com does not charge you any fees to connect you to third-party lenders. Thepaydayking.com is not a lender or broker. Therefore there are no fees or interest directly associated with completing our form. Thepaydayking.com connects consumers who are interested in short-term loans with third-party lenders or brokers. We receive compensation from the third-party lenders and other advertisers we work with, and the loan offer you receive is based on the compensation we are paid. The rates and fees associated with your loan will vary from lender to lender. If you are approved for a loan, please make sure to review the fees and interest associated with your loan.

Thepaydayking.com is not a lender and does not make credit decisions. Being approved for a payday loan may vary from lender to lender. The minimum requirements to submit a loan request may include, but may not be limited to:

  • 18 years of age or older
  • U.S. Citizenship or permanent resident
  • Valid checking or savings account with direct deposit
  • Employment 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

Payday loans range between $100 and $5,000. Not all lenders offer loans up to $5,000 and the amount requested may differ from the amount offered. The loan amount offered depends on many factors (i.e. income, employment). Upon acceptance of your loan request, the lender will provide the fees and APR interest rates you will be charged for the loan. Make sure you review and understand before signing any documents.

The funds could be transferred to your bank as early as the next business day (this may vary depending on your lender and financial institution).

You will need to provide personal, employment and banking information. The information includes, without limitation: name, address, telephone number, email address, driver’s license number, social security number, bank account information, and employment information. Once your information is submitted, independent lenders may verify your social security number and/or check your credit. Make sure to provide accurate information.

Each independent third-party lender has their own terms and conditions for repayment of your payday loan. The repayment information will be indicated on your loan agreement. Please contact your lender directly with any questions and/or concerns.

The information you submit on Thepaydayking.com is safe and secure. Many security measures are employed to maintain the integrity of your privacy. All sensitive data transmitted between your browser and Thepaydayking.com uses 256-bit Secure Socket Layer (SSL) encryption technology. Our services are strictly voluntary, and the use of our services are governed by our Terms and Conditions/Privacy Policy.

Third-party lenders may verify, without limitation, your driver’s license number, social security number, or any other qualifying identification information to determine credit standing, capacity and/or credit worthiness. Multiple inquiries may be made on the three national databases (Equifax, Transunion and Experian) or alternative credit bureaus and this may result in a lower credit score.

We cannot guarantee that you will be accepted by one of our third-party lenders.

Renewal policies may vary from lender to lender, therefore please contact your lender to inquire if your loan will automatically renew or if you need to provide permission. Please make sure to review the lender’s renewal policies and terms before agreeing.

Every lender has their own terms about late payments and/or non-payment such as, without limitation, interest, additional fees, and collection costs. Make sure you read and understand the loan terms before signing and contact your lender if you have any questions and/or concerns.

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

  • Charge you late fees and/or interest
  • Send your account to a collection agency
  • Offer to renew, or refinance your loan (this may cause you to incur additional fees)
  • Report your information to consumer reporting agencies (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)

Thepaydayking.com is not a lender. Your lender can provide more information about their policies for non-payment.

thepaydayking

ThePaydayKing is not a lender. There are no fees to submit your inquiry. You are not required to accept the loan offered. If you are not satisfied with the terms and conditions offered by the lender, you can withdraw your loan request.

Services

Legals

 

© ThePaydayKing. All rights reserved

The operator of this website, www.thepaydayking.com, is not a lender, loan broker or agent for any lender or loan broker. We are an advertising network service to independent, participating lenders and other advertising networks that may be able to provide payday loan services, including payday loans bad credit and payday loans for no credit check, for amounts between $100 and $5,000 Not all lenders provide up to $5,000 and there is no guarantee that your request will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products. The information and application provided by ThePaydayKing.com does not constitute either an offer or a solicitation for a loan or a financial product, which are prohibited by any state law. We do not endorse or charge you for any service or product. ThePayDayKing.com is under no obligation, and does not actively monitor or review loan offers presented to consumers to determine whether the offer is the “best” available to any particular consumer. Consumers are both instructed and encouraged to review the loan offer presented to them to determine if the terms are acceptable to them.

This service and offer are void where prohibited, and ThePayDayKing.com is not responsible for ensuring that any particular consumer is eligible any loan or financial product offered by our lending partners. We do not control and are not responsible for the actions of any lender, loan organization or advertising network. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan, please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, payments and the implications for non-payment or late payments. The information submitted by you on this website will be shared with one or more participating lenders or advertising networks. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders, therefore, may not include online same-day deposit. Repayment terms may be regulated by state, local, federal and/or tribal laws. These disclosures are provided to you for information purposes only and shall not be considered legal advice.

Annual Percentage Rate (APR) may vary between lenders and is dependent on a consumer’s credit worthiness, applicable regulatory guidelines, and other factors determined by each individual lending partner and their underwriting department. APRs may range from 59% and 1386%. The Annual Percentage Rate 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 all other material terms of your loan before you execute a loan agreement.

Residents of some states may not be eligible for some or all short-term, small-dollar loans. The list of eligible states may change from time to time, and it is the consumer’s responsibility to determine if they are eligible to participate in the service.

We do not make any underwriting or credit decisions. Independent, participating lenders that you may be connected to may perform credit checks with credit reporting bureaus, obtain credit reports, or otherwise verify your Social Security Number. Typically, lenders may conduct a credit check through alternative credit bureaus to determine creditworthiness, credit standing and/or credit capacity however, they may also utilize the major credit bureaus as well. By submitting your information, you agree to allow lenders to verify your information and check your credit. Your credit score may be affected.

Loans provided by independent, participating lenders in our network are designed to be repaid within a short amount of time. Short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Non-payment of your loan could result in collection activities, which may result in additional fees or collection activities, or both. Each lender has its own terms and conditions. Please familiarize yourself with your lender’s policies for further information.