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      Rates and Fees

      PaydayLoanRadar.com does not have the ability to lend money or make credit decisions. As such, we cannot provide users with any information on rates or fees regarding short-term loan products, nor can we provide information regarding offers provided by third-party lenders. PaydayLoanRadar.com works to ensure that all lenders in our network implement fair credit practices and abide by all applicable laws and regulations.

      Before You Apply

      Short-term loans are intended for use only as a temporary financial supplement and should be used with caution. Typically, short-term credit options are subject to higher rates and fees; therefore, the short-term loan industry is heavily regulated on various levels.

      There is a steady increase in the number of organizations, both governmental and non-governmental, that oversee the agents in the short-term loan industry and establish best practices and regulative procedures. To help provide a positive credit experience to our users, we provide all users of this website with educational resources to help you learn about the industry and better understand your options. We recommend visiting the following government agency websites for more information: the Federal Trade Commission and the Consumer Financial Protection Bureau. The FTC and the CFPB create and enforce the federal laws and acts governing short-term lending that protect consumers from discrimination and unfair lending practices.

      In addition to federal laws, some states have their own regulations, including governing certain terms such as: late fees and charges that lenders may apply, maximum loan amounts permitted, the number of renewals/rollovers available, and the number of loans that a consumer may have at one time. Short-term cash loans are prohibited in some states including New York, West Virginia, Vermont, and Arkansas. This list is subject to change at any time without prior notice. To view up-to-date regulations in your state of residence, see these official websites: Payday Loan Consumer Information and the National Conference of State Legislatures. Be sure to check this information before applying for a loan, as these regulations are subject to change at any time.