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Ask4payday.com is not a lender and therefore does not make short term loans or credit
decisions. We are a loan connecting service where we connect consumers with independent
You register online from your home computer or any mobile device. Because the process occurs
in real time, it's very fast. If you are connected with a lender you will receive an offer
from that lender with the terms and conditions of the loan. If you agree to the terms (and
you may decline them), the money could be available for your use as soon as the next
Please see our
FAQs for more
Independent lenders have their own individual requirements that must be met, but typical
minimum requirements include,
but may not be limited to:
18 years of age or older
Valid checking or savings account with direct deposit
Minimum regular income of $1,000 per month
Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps
or Navy (or be a dependent of someone who is), serving on active duty under a call
or order that does not specify a period of 30 days or fewer.
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, and APRs for installment loans range from 6.63% to 485%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.
Exclusions. Residents of some states may not be eligible for some or all
short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia
are not eligible to use this website or service. The states serviced by this website may
change from time to time, without notice.
Credit Implications. The operator of this website does not make any
decisions. Independent, participating lenders that you might be matched with may perform
credit checks with credit reporting bureaus or obtain consumer reports, typically through
alternative providers to determine credit worthiness, credit standing and/or credit
capacity. By submitting your information, you agree to allow participating lenders to verify
your information and check your credit. Loans provided by independent, participating lenders
in our network are designed to provide cash to you to be repaid within a short amount of
time. The short-term loans are not a solution for long-term debt and credit difficulties.
Only borrow an amount that can be repaid on the date of your next pay period. Consider
seeking professional advice regarding your financial needs, risks and alternatives to
short-term loans. Late Payments of loans may result in additional fees or collection
activities, or both. Each lender has their own terms and conditions, please review their
policies for further information. Nonpayment of credit could result in collection
activities. Each lender has their own terms and conditions, please review their policies for
further information. Every lender has its own renewal policy, which may differ from lender
to lender. Please review your lender’s renewal policy.
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