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PaydayZest is a completely free non-binding financial referral service for lenders who are in a position to offer a range of $100 to $15,000. The lenders listed may not be able to offer amounts up to $15.000 but there's not a guarantee that you'll receive a loan from an individual, participating lender. The operator of this website is not a loan broker, lender or agent of any loan broker or lender and is not able to make any credit or loan credit decision. The website is not an offer or a solicitation to loan you money. We do not guarantee credit or loan credit approval, or any credit or credit amount as well as everything on this website should be considered as a commercial ad. Timelines for loan transfers and repayment terms differ between lenders, and faxing might be required. We are not in control of and are not accountable in the conduct of lenders, and we do not have access to all the conditions that apply to your loan. Only your lender is able to provide you with details about the terms of your loan as well as current rates and charges for renewal, payment and the consequences of late or missed payments. For more information, questions or concerns about your loan, get in touch with the lender you have chosen directly. We could sell all or a portion of your data for one or more lending institutions or other individuals You may also be approached by one or more lenders as well as other people. We don't endorse or charge for any product or service. There is no obligation to make use of our service in order to contact an individual lender, or request credit or any loan product, or take any loan from a participant lender. APR Disclosure: Some states have laws restricting what the APR (Annual Percentage Rate) that lenders can charge you. APRs vary between 4.99 percent to 1304%, and can vary according to the lender. The state in which you are borrowing from does not have any limiting laws, or loans made by a bank that is not subject to state laws (including off-shore and tribal lenders) could have a greater APR. The Annual Percentage Rate (APR) is the rate at which your loan is charged interest. It is calculated based on the amount, cost , and duration of your loan, as well as the repayment amount and payment timing. The operator of the website does not attempt to connect you to a lender that has rates that are the "best" or "most favorable" terms and rates for loans and doesn't know the terms of loan that are offered from the Lender and is not aware of the identity of any lenders who accept applications. The lenders are legally obliged to provide you with the APR as well as other terms for your loan prior to signing the loan agreement. Credit Effects. The website's operator doesn't make any credit decision. The lenders you are connected to, whether they are participating or independent, you might be associated with could conduct credit checks through credit reporting agencies or get consumer reports, usually by utilizing alternative providers to evaluate credit quality, credit standing and/or credit capacity. When you submit your personal information you consent to allow lenders participating in the program to confirm your identity and verify your credit. You should seek advice from a professional about your financial requirements. The late payment of loans can result in additional fees , collections activities, or both, that could adversely impact the credit score. Every lender has its specific terms and conditions, be sure to read their policies for more details. Failure to pay credit can result in collection actions that could negatively impact the credit score. Each lender has their own renewal policythat could differ from lender to the lender. Review the policy of renewal for your lender. Exclusions. The services provided by this website may not exist in all state. The states that are covered by this site may alter from time-to-time without prior notice. NOTICE THIS IS AN EXPENSIVE FORM OF CREDIT. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONGTERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.