Welcome to payday 24 hours
Even though plastic money is convenient, it cannot be the solution to all money problems, like at the time of a payday. Paydays can be demanding, especially with your purse low on cash. Why face the embarrassment of asking your friends for spare cash on payday, when you can contact us, 24 hour payday, a cash delivery service that will get your work done in a jiffy.
Now, you will never be without cash just when you need it with 24 hour payday loans at your service. No sudden break downs, unforeseen bills or unexpected expenses will catch you off guard, not even a low-cash situation. With a 24 hour payday loan, you will not need to burn a hole in your pocket on a hefty non-sufficient fund fees paid to your bank to borrow money for payday or any other unexpected expense.
Yes, it's easy to go with payday 24hours...
You don't even have to fret over a credit check. 24 hour payday loans money to you without the need of a credit check to expedite the process. You can easily avail a loan of up to $1500. Our 24 hour pay day loans are ready 24 hours a day, 7 days a week. You can avail this service from the privacy of your home. You could be granted a quick cash deposit up to $1500 in your account the same day after meeting certain requirements.
What is a payday loan:
A payday loan is a loan that you get from a business that is not a bank, usually a loan store. It is called a payday loan, because you generally borrow just enough to get through to your next payday, upon which the money is due. help a borrower's unexpected expenses such as bill payments, car repairs, household emergency repairs or other financial emergencies.Payday loans can be a great short-term source of emergency cash, but need to be repaid when the next paycheck arrives. Payday loans are therefore often referred to as Cash Advance Loans.
How much your loan cost ?
The cost of the loan and APR depends on information in your application. The terms are disclosed in the application process when you are directed to the lender's loan agreement.
Example: With a minimum 14 day loan term (regardless of early loan payoff), we estimate that the fees and finance charges offered by members of our lending network range from $12 per $100 borrowed each 14 days (two weeks) up to $30 per $100 borrowed each 14 days (two weeks). The corresponding Annual Percentage Rate (APR) for this estimated range would be between 65% and 850%. More generally, depending on the exact loan amount, loan period and lender we match you with, the APR may be between 65% to 850%.
Implications of Non-Payment of your Loan:
Non Payments are always treated as bad and prevent your application from getting approved in your next emergency
Some of the possible consequences of non payment are:
1: Late/Partial Payments: If full amount of principal and interest is not paid on any agreed-upon payment date, borrower may be charged a new finance charge and payment date may be extended until borrower's next pay date. This new finance charge may be a flat fee, or may be calculated by applying the proportionate amount of the finance charge to the unpaid loan amount. Review the late payment policy detailed in the loan documents provided to you by your lender before signing your e-signature, and thereby agreeing to the loan terms.
2: Non Payment: Any action regarding non-payment may be initiated by the lender we match you with, not by www.payday24hours.com. Additional fees or criminal charges may apply to you in the event that you are unable to repay your loan. If, however, your lender belongs to the Community Financial Services Association of America (CFSA), you will not be subject to criminal charges[hightlight]. A fee of $25 will be applicable on every dishonoured bounced check.
3: Loan Renewals: Renewal policies are determined by the lender, not by Payday24hours.com, and therefore they will vary. With every extension or renewal, a new finance charge ("Extension Fee") may be assessed by the lender, and the re-payment date may be extended until the borrower's next pay date. The finance charges range from $12-$35 per one hundred dollars borrowed ofer a 14-day period, depending on the lender.
4:Collection Practices and Impact on credit Scores: If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by Federal and State law to use fair practices in their collection actions for a loan that has not been repaid. You are protected by the Fair Debt Collections Act, which includes limitation on how a lender may collect an unpaid balance including:
- Not contacting you by phone before 8 am or after 9 pm.
- Not harassing you or using abusive language towards you over the phone.
- Not using deception to try to collect money from you.
- Not threatening you with legal action if it is not permitted.
how much can I borrow?Lenders supply borrowers with any amount of $100 - $1500. How much money you can borrow exactly, however, depends on a few factors such as the lender we match you with, your income and employment history. Lenders may provide up to $1500 and once approved, and money is wired straight into your bank account.
How do I qualify for a loan?Most lenders will qualify you for a loan if you:
- Have a job or receive regular income.
- Earn at least $800 per month.
- Are a U.S. resident at least 18 years old.
- Have a bank account in good standing.
- Have not more than 2 default in previous payday loans
- Getting a direct deposit by employer in your bank account.
- FICO Score above 400
Prior bankruptcy, a poor credit history or charge-offs do not automatically disqualify you - you may still apply for a loan.