Payday loans are meant for emergencies. If you find yourself using them to pay regular bills, you should consider credit counseling, debt-management aid or other type of assistance. There are nonprofit agencies that help consumers who have ongoing, excessive debt.
Use payday loans responsibly.
You begin by filling out the simple form. Your information is then shared with third party lenders who may make you a loan offer. You are under no obligation to accept the offer, but if you do, the lender will provide the instructions to do so. Every third party lender has their own terms and conditions. Please consult these before accepting the loan offer. In particular, check for information on the APR, fees, renewal terms and consequences of non-payment.
If you have any questions about your loan, please contact your lender.
Each third party lender will have its own fees, APR and terms. These charges come directly from the lender and not from FinancialServicesOn.com.
These fees and charges will be provided to you at the time of the loan offer, if one is made. You are under no obligation to accept them. Your loan is accepted by you when you electronically "sign" the offer and send back to the lender.
Read all documents for the terms and conditions of the loan.
- Be at least 18 years of age or older
- Be a U.S. Citizen
- Have a checking or savings account with direct deposit
- Have regular income of at least $1,000 per month
- Have a fair credit rating (for personal loans only)
- Must Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or less
The third party lenders may perform a credit check or use other methods to verify the information you provide.
Multiple inquiries to the "Big 3" credit bureaus (Experian, Equifax and Transunion) may result in a lowering of your credit score. Therefore you may want to register for a loan, one at a time.
Loan renewal will likely result in the addition of fees and interest to your loan balance. Make yourself aware of these fees before agreeing to any loan renewal.
- Addition of late fees
- Your account being forwarded to a collection agency
- Report your lack of payment to a consumer credit agency (thereby lowering your credit score)
- An offer to renew your loan, which will result in additional fees and/or interest
FinancialServicesOn.com is not a lender. You should ask your lender what the implications of non-payment are.