Rates and Fees

When you need online payday loans, you’ll be happy to find that there are no fees charged when submitting your loan request through OnlinePaydayLoans.com.  We are not a lender or broker. Instead, we offer a free service that aims to connect consumers with online payday lenders quickly and easily. The online payday loan request is quick and convenient.  When you submit your loan request, it is reviewed by our lender network. You can be approved as quickly as today, and receive your money as fast as the next business day. Our lender network includes state and Tribal lenders. Tribal lenders’ rates and fees may be higher than state-licensed lenders, and are subject to federal and tribal laws, not state laws.

The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender at the time of approval. Upon the conclusion of lender approval, most lenders will direct you to an e-signature page that they provide.

How Fees and Rates Are Determined

It is solely up to the lender to determine all loan fees and interest rates. When deciding the loan fees and interest rates, there is no input given by OnlinePaydayLoans.com, since we are not an actual payday lender.

All lenders must disclose loan fees and interest rates associated with any contract in accordance with the Truth in Lending Act. You are under no obligation to accept the terms of any online payday loans you are being offered. Interest rates being offered from lender to lender may slightly fluctuate. In addition to traditional loans, some lenders in our network may offer line of credit.

The Loan Process

It’s important to thoroughly read through and review all information that is provided to you before you agree to the loan’s terms. You are not under any obligation to accept these terms simply because you received them. If you agree to the lender’s contract, including its rates, fees and terms, you’ll move to the next step of the process. To secure your online payday loans and authorize the transfer of funds to your account, you need only to append your e-signature to the lender’s contract page.

Having a poor credit score can make someone afraid to request for online payday loans. With OnlinePaydayLoans.com, bad credit doesn’t have to be a problem. Our network of lenders works with people with low credit scores.

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