Advertiser Disclosure

IMPORTANT: The Operator of this website is not a lender, financial institution, loan broker or an agent of a lender or loan broker and does not make any credit decisions. You may not qualify with any lender for any loan amount, or you may qualify with a lender for an amount that is much lower than what you are seeking. This service, which connects consumers with eligible third party lenders, is free to consumers. This service does, however, receive payment from lenders for referring lead data to them. Although multiple factors dictate the order in which lenders have the opportunity to purchase a lead, the highest bidding lender will most often get the opportunity. Lenders may perform credit checks through any credit reporting bureau and may also verify the information that you provide on this form including social security number, address, phone number, employment history, bank account information etc. Information may be shared with non-lenders or other intermediary service providers (like us) to help you connect with a lender. This service works with many different kinds of lending partners, including tribal lending institutions. Federally recognized Indian tribes are independent sovereign nations and their wholly owned entities are generally not required to follow state and local laws regarding rates, fees and other loan related conditions. However, Indian tribes and their wholly owned entities are required to follow some applicable federal laws. If you are connected with a tribal entity, be sure to check their rates as they may carry higher interest rates when compared to state-licensed lenders. The Truth in Lending Act requires lenders to disclose rates, fees and other important conditions of a loan. After checking the terms, make a determination of whether or not you can afford the payments. We earnestly encourage you to reject any offer that is not within your financial means. Short-term, small-dollar loans are not a long term solution to financial hardship. You may also consider seeking professional advice regarding your financial circumstances and alternatives to loan products. Late payments of loans 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. Additionally, failure to repay your loan may carry nonpayment penalties and collection activities. Please review nonpayment terms with your lender directly. Every lender has a different renewal policy please review your particular lender’s renewal policy for more information.

State Availability: Lenders that participate in the services provided by this website do not offer loans in every state. If you are from a state that the lenders do not service, you will not be able to be connected to a lender. Our service does not constitute an offer or solicitation for any loan products that are prohibited by state law. Additionally, this is not a solicitation for any particular loan and is not a loan offer.

Advertiser Disclosure: This website offers a 100% free service that connects consumers with third-party lenders and partners. While this is a free service to consumers, third-party lenders or partners may provide the operator of this website with a referral fee for referring consumers to them.

CONSUMER NOTICE

Loans from third-party lenders are meant to provide temporary relief for financial needs and are not intended as long-term financial solutions. Consumers who have credit problems or who are facing debt should seek professional debt and credit counseling. Consumers are encouraged to learn of the risks involved with taking out shorter-duration loans, loan alternatives that may be more suitable for your financial needs and situation, and any local and state laws applicable to shorter-duration loans in your state. We strongly encourage you to completely read and review any and all loan agreements because you are fully responsible for abiding by the terms of your loan agreement. By accepting the terms and conditions for a particular loan offer, you agree to repay the loan principal and finance charges according to the payment schedule detailed in the documents provided to you by your lender. If you miss a payment or make a late payment, additional fees or charges may apply. Axpayday.com does not control the amount of fees or charges you may be faced with for nonpayment, late payment, or partial payment.

AVAILABILITY

Axpayday.com’s service is not available in all states. Residents of certain states, including, but not limited to Arkansas, New York, Vermont, West Virginia, Washington, and Pennsylvania, are not eligible to utilize this website or its service. We reserve the right to change the availability of our service at any time without notice. If you request a loan in a state where such loans or loan products are prohibited, or where Axpayday.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. Please familiarize yourself with and comply with your state’s regulations pertaining to shorter-duration loans. In using our services, it’s possible that you may be connected with a tribal lender. Please be aware, tribal lenders are subject to tribal law and particular federal laws, but are exempt from abiding by state law. Tribal lenders may also require that any disputes be resolved in a tribal jurisdiction. Please fully read and understand the terms of any loan offered by any lender and do not agree to a shorter-duration loan offer that includes terms that are not agreeable to you, or that you are unable to repay.

Ad disclosure

Compliance also encourages to include more detail that provides the consumer a better understanding of the process for the consumer

LEGAL DISCLAIMER

This website does not make loan offers. This website connects users with lenders. The operator of this website is not a lender, does not make credit decisions or broker loans. The operator of this website does not charge you fees for its service and does not represent or endorse any participating shorter-duration loan lender. Submitting a loan request allows us to connect you to third-party lenders and does not guarantee an offer for a loan. This website does not guarantee the approval for a shorter-duration loan. Credit checks may be performed by lenders from credit bureaus or other providers of credit information. Consumer reports or credit checks may be made by the lender through Equifax, Experian, TransUnion, or alternative providers. You are not obligated to use this site and are not obligated to contract with any third-party lender or service provider. These disclosures are for informational purposes only and should not be considered legal advice.

CREDIT IMPLICATIONS

Some third-party lenders in our lender network may conduct credit checks with credit reporting bureaus or obtain consumer reports through alternative providers to determine your eligibility for a loan. By submitting your information through this website, you are agreeing to allow the third-party lenders in our lender network to verify your information and check your credit.

NOT A LENDER NOTICE

The operator of this website is NOT a lender, does not make offers for loans, and does not broker online loans to lenders. This website is not a representative or agent of any lender and does not make credit decisions. Submission of a loan request to this website does not guarantee an offer or an approval for a loan. Some lenders may require faxing of information. In some instances, you may have to visit a physical store/branch location to complete your loan request process. Please contact your lender directly with questions or issues regarding your loan.

Authorization to Obtain a Credit Report and Credit Score and to Verify Your Information

You understand and agree that by submitting Your loan request, You are providing written instruction under the Fair Credit Reporting Act authorizing us and/or the lenders and partners with whom Your request is shared to obtain your consumer credit report, credit score and/or other information from any consumer reporting agency in order to provide you with quotes and verify your identity. These lenders and partners may obtain your credit report, credit score and other information to make a final decision regarding extending a loan to you. Additionally, you understand and agree that Providers may use third party services to obtain information relating to you and to verify any information that you provide including, without limitation your social security number, address, phone number, bank account information and employment history.

* We are a marketing entity and are not the lender of your loan. Therefore, we direct your attention to your lender for the full and appropriate disclosure of both the interest rate and APR for your loan. The registration information submitted by you on this website will be shared with one or more participating partners. The operator of this website does not guarantee that completing an inquiry form will result in you being connected with a service provider or lender or being offered a loan product. Terms and Conditions may vary between service providers or lenders. You are under no obligation to use this website or service to initiate contact with a service provider or lender, request credit or any loan product, or accept a loan from a participating provider. The operator of this website will not charge you for any products or services.

** By submitting your loan request, you are providing express written consent under the Fair Credit Reporting Act for each lender to whom we transmit your information to obtain, in response to your inquiry, a credit check or consumer report from a consumer reporting agency. This credit check can include a hard pull, which may impact your credit score.

*** This service is not available in all states, and the states serviced by this website may change from time to time, without notice.