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Cash Loan

cashadvanceWhy Cash Loans

Are you in dire need of fast cash now but all of your options are shot? Do you already owe your family and friends money, and there’s no way your credit will allow you a loan from a bank? If you are in need of cash now and can pay back when your next pay check arrives, call us today to discuss a fast cash loan! We will take care of your needs today. For more info call 855-379-1048 now!

General Advertisement Disclosures

Offers provided to customers who originated via a paid Google advertisement feature rate quotes on advancepay.co of no greater than 35.99% APR with terms from 61 days to 180 months. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. For additional loan options, please call 855-565-7315. An example of total amount paid on a personal loan of $10,000 for a term of 48 months at a rate of 10% would be equivalent to $12,174.04 over the 48 month life of the loan

Rates & Fees

AdvancePay.co is not a lender and does not provide lending services directly
to consumers. Based on the information you submit, advancepay.co searches its
database housing its vast network of lenders to pair you with the lender and loan
that may be suited to your needs so that you can submit an application directly
to the lender.

The Truth in Lending Act requires full disclosure of all loan fees and interest
rates that borrowers may incur. All fees and rate information should be disclosed
to you by your lender at the time of approval. Upon the conclusion of lender approval,
most lenders will direct you to an e-signature page. This page is provided to you
by the lender to which you were matched.

Full Disclosure of Terms

The lender provides documents that contain all fees and rate information pertaining
to the loan being offered to you by the lender. Please review the fee and rate information
provided to you by your lender at this time thoroughly and completely before agreeing
to the terms of the loan. You are under no obligation to accept these terms. If
you decide the loan terms detailed in the lender contract are acceptable and wish
to proceed with the loan process, e-sign the page and await transfer of your funds.

The loan fees and interest rates are determined solely by your lender, with specific
amounts determined based upon the information you submitted to the lender. advancepay.co
has no control or knowledge of the loan details between you and your lender. You
are under no obligation to continue with the application process if you find a particular
lender’s loan terms unsuitable.

Late Payment Policy

personal lenders have varying policies regarding late payments. Review the late
payment policy detailed in the loan documents provided to you by your lender before
appending your e-signature, and thereby agreeing to the loan terms. All lenders,
however, must abide by applicable laws, rules, and regulations regarding late payment
fees. Select your state from the list below to review the laws and regulations governing
late payments by a particular state.

Non-Payment Policy

Additional fees or charges may apply to you in the event that you are unable to
repay your loan. advancepay.co uses commercially reasonable efforts to work
only with reputable lenders dedicated to pursuing collections of past due accounts
with conduct that is fair and reasonable. Find your state in the list down below
to review the legal repercussions applicable to you in the case of non-payment.

loan repayment Policy

Terms for loans range from minimum of 61 days to a maximum of 180 months. Please speak with lender for specifics on repayment terms.

State Rate & Fee Regulations

Find your state to review the applicable laws and regulations governing personal
loan rates and fees in your state:

 

STATE: MAX LOAN AMOUNT ANNUAL PERCENTAGE RATE
Alabama 0 This should not exceed 17.5% of the amount. Also fee for every loan request is permitted. If the loan period expires 3% extra is charged.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Alaska 0 A lender is only allowed to charge what is known as a nonrefundable originating fee. This fee shouldn’t exceed around for every 0. Also the fee shouldn’t exceed 15% of the borrowed amount. Also additional free for the business’s financial operation can also be charged.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Arizona N/A Shouldn’t exceed the 36% of its annual fees. Repayment of past due fees is also allowed.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Arkansas N/A Around a 36% annual fee. This will depend on the Federal Reserve Discount Rate and an added 5%. Just one loan is allowed in order to avoid cases where one loan is taken to pay back the other. Also the fees cannot be over 0.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APRTerms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
California 0 A business cannot go beyond a 15% deferred deposit transaction fee of an amount over Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Colorado 0 The documentation fees is allowed a maximum of . .50 is the max maintenance fee of every 0 loaned, up to around per month this is including the monthly maintenance fee charged every month. In the case of a renewal the lender can access additional financial charges which shouldn’t exceed a yearly 36% percent.  Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Connecticut N/A The interest shouldn’t exceed 30.3%. Late fee is also applicable. Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Delaware 0 Personal loans of a total of 00 is allowed at one time. The fee attached to this loan has no limit.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
District of Columbia Loans which are Prohibited The law does not always change. However, keep checking back to phoneloans.us to stay posted.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Florida 0 A deferred provider or even an affiliate is not allowed to charge fees over 10% of the amount. However, a verification fee is allowed. Loan operation may be subject to a 15% fee. The total fee every year can be around 36%Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Georgia Loans prohibited The law does change. Please check back to phoneloans.us for up to date info on this.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Hawaii 0 Fees shouldn’t be more than 15% of the amount. The lender is allowed 17.65% in charges every two weeks for its financial operation.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Idaho 00 NoneTerms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Illinois Either 22.5% or 00 of a person’s monthly gross income, depending on which is less. Lender is not allowed to charge over .50 for every 0 with a yearly fee limited to just 36%Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Indiana 0 / 20you’re your monthly gross income depending on which is less The lender can charge 15% finance charge on 0. Loans over 0 but less than 0 have a 13% interest limit on the amount. On amounts ranging between 0 and 0 the financial charges are around 10%.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Iowa 0 On the first 0 loan the lender cannot charge over in fees. Then there is a subsequent charge on every 0 increment. 14 day loans have to undergo a fee of up to around 16.67%.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Kansas 0 Lenders can charge 15% on a cash loan. Another 15% can be charged in the way of finance fee. But not over 3% of the amount once it has matured.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Kentucky 0 charge applied to all personal loans. The total amount in proceeds received from a customer from all differed deposits cannot be over 0. Lenders are not allowed to charge over as service fee for every 0. The additional finance fee cannot be over 17.65%.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Louisiana 0 is the originating fee. 16.75% or depending on which is less is the annual charge on the loaned personal loans. There is a 36% annual interest limit. 25% is the finance fee which lenders cannot exceed.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Maine N/A For loans under 0 the interest fee is limited to just but up to around max for larger amounts. The max is 30%.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Maryland N/A No licensed check cashing company is allowed to indirectly or directly charge or even collect fees for a check cashing service on the basis of: 33% each year or just 2.75% depending on which is less.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Michigan 0 A lender is allowed to charge a service fee for every deferred presentment service. This fee is not a part of the interest and lenders can charge both. The amount shouldn’t exceed 15% of the initial 0, 14% of a third 0 or around 12% on the forth, on the fifth 11%. A database verification fee is also allowed under the section 34(5)Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Minnesota 0 For a sum of up to and also including there is a .50 charge added. Between and 0 there is a 10% charge plus a admin fee. Of amounts 0 to 0 there is a 7% charge and a fee. Amounts of around 0 to 0 is charged 6% of the loan proceeds with a min admin fee of . The overall contract shouldn’t exceed 2.75% after its maturity.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Mississippi 0 Lenders are not allowed to charge indirectly or direct a fee or some other consideration or their act of cashing deposit checks in excess of around 18%. Also 22% additional finance fee may be levied.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Missouri 0 The borrower could be charged an interest fee on an amount which is not paid at the rate which was previously agreed by both parties. A customer is not required to pay an amount of accumulated interest and also fees in excess of 36%.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Montana The minimum loan amount is but the loan cannot exceed 0 A lender is not allowed to charge a fee for making a deferred deposit loan which exceeds 36% annually, which is inclusive of its insufficient funds fee.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Nebraska 0 for every personal loan at any time. The lender is allowed to charge an amount of for every 0 and .65 per 0 for various services provided by the lender.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Nevada monthly gross income of 25% Lender is not permitted to make a loan of deferred deposit over 25% of the expected gross of the customer’s monthly salary at the time of taking the loan.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
New Hampshire 0 A cash loan can only incur interest, charges or fees which are levied on the cash loans. The interest should not be in excess of 36% a year.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
New Jersey Prohibited Loans The law does change every now and then. Keep checking back to stay up to date.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
New Mexico A charge of 25% of the gross monthly income which includes fees.

.50 is charged as verification fee, the total amount charge is 15.5%. Lenders are not allowed to issue a personal loan if the total principal sum of the loan and its fees, when added with the principle is over 25% of the person’s gross income. Just one fee can be collected unless a customer willfully agrees to the arrangement in writing.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
New York N/A Leders are not allowed to charge over for every 0 on the first principal balance.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
North Carolina N/A A check cashing company is not allowed to indirectly or directly charge and or collect fees for cashing check services on the basis of: 36% per year.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
North Dakota 0 A lender needs to charge a service fee but not over 20% of the total amount paid. An additional 20% can be charged as interest on the amount.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Ohio 0 The interest is calculated according to the USC 1616 guidelines and will not exceed a 28% annual rate which is exclusive of its 1.08% fee.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Oklahoma 0 Lenders can charge an interest fee but it shouldn’t exceed for each 0 which is loaded which is equal or less than 0 and not be over for each 0 for amounts over 0. An additional finance charge of can also be charged for each 0.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Oregon A 30% rate from gross monthly income. Lenders are not allowed to renew or issue a loan over the rate of 36% annually. This also excludes the registration fee required for new loans.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Pennsylvania N/A Getting a personal cash loan in Pennsylvania is a difficult problem. Right now laws are geared towards destroying personal loans lenders.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Rhode Island For all personal loans 0 at any time. Lenders are not permitted to charge a check cashing fee over 15% of the loaned amount. Also additional interest cannot be over 15% of the amount.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
South Carolina For all personal loans 0 at any time. Lenders are allowed to charge more fees in addition to their originating fees. The interest is also limited to 15% of the amount.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
South Dakota 0 There are no limits on the type and fee amount.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Tennessee 0 usually for a maximum of 3 personal loans at the same time. Lenders are allowed to charge as interest for every 0 and the finance charge shouldn’t be over .65 for every 0. Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Texas N/A is the originating fee, is the interest fee for every 0 plus there is finance charges for every 0.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Utah N/A N/ATerms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Vermont 0 It shouldn’t be over 18% of the total year fees.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Virginia 0 is the verification fee, is the interest fee for every 0, and an additional finance charges for 0.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Washington 0 and It should be under 30% of the borrower’s gross income. Lenders are allowed to charge fees as the total amount over for every 0 of the first 0, subsequently for every 0 for amounts over 0. Plus for services.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
West Virginia N/A The law does change every now and then. Log back in to get the latest updates.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Wisconsin 35% or 00 of gross income every month depending on which is less. There are no fees amount limits.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR
Wyoming N/A Finance charges should not be over or even 20% of the monthly principal balance depending on which is larger.Terms for loans range from minimum of 61 days to a maximum of 180 months. Total rate shall not exceed 35.99% APR

Alternatives to Personal Loan

There are some American states that do not have any specific lending statutory provisions pertaining to Personal loans. And they do not require that lenders comply with the interest rates offered by: Maryland, New Jersey, Connecticut, Massachusetts, West Virginia, Vermont and Pennsylvania.

Before you decide to take out a personal loan, consider some alternatives.

  1. Consider a small loan from your credit union or a small loan company. Some banks may offer short-term loans for small amounts at competitive rates. A local community-based organization may make small business loans to people. A personal on a credit card also may be possible, but it may have a higher interest rate than other sources of funds: find out the terms before you decide. In any case, shop first and compare all available offers.
  2. Shop for the credit offer with the lowest cost. Compare the APR and the finance charge, which includes loan fees, interest and other credit costs. You are looking for the lowest APR. Military personnel have special protections against super-high fees or rates, and all consumers in some states and the District of Columbia have some protections dealing with limits on rates. Even with these protections, personal loans can be expensive, particularly if you roll-over the loan and are responsible for paying additional fees. Other credit offers may come with lower rates and costs.
  3. Contact your creditors or loan servicer as quickly as possible if you are having trouble with your payments, and ask for more time. Many may be willing to work with consumers who they believe are acting in good faith. They may offer an extension on your bills; make sure to find out what the charges would be for that service — a late charge, an additional finance charge, or a higher interest rate.

For Military Consumers

personal loans (and certain other financing) offered to service members and their dependents must include certain protections, under Federal law and a Department of Defense rule. For example, for personal loans offered after October 1, 2007, the military annual percentage rate cannot exceed 36%. Most fees and charges, with few exceptions, are included in the rate. Creditors also may not, for example, require use of a check or access to a bank account for the loan, mandatory arbitration, and unreasonable legal notices. Military consumers also must be given certain disclosures about the loan costs and your rights. Credit agreements that violate the protections are void. Creditors that offer personal loans may ask loan applicants to sign a statement about their military affiliation.

Even with these protections, Personal loans can be costly. You instead may be able to obtain financial assistance from military aid societies, such as the Army Emergency Relief, Navy and Marine Corps Relief Society, Air Force Aid Society, or Coast Guard Mutual Aid. You may be able to borrow from families or friends, or get an advance on your paycheck from your employer. If you still need credit, loans from a credit union, bank, or a small loan company .

Contact Us

If you need contact advancepay.co, please call us at 855-565-7315, write us at 1830 S. ALMA SCHOOL RD, SUITE 116 MESA, AZ 85210, or email us by clicking on our contact form.

Cash Loans Can Help

We all know that times are tough. Most of use have borrowed money from our credit card Personal Loan option, and borrowed from friends and family, and even taken out equity in our home. These options aren’t that easy any more and definitely not fast, and that is why we’re here to help you through this tough time.

For more info call 855-379-1048 now!

Unfortunately we’re not always prepared for the emergencies that arise and require money. These days it’s so hard to get ahead to even establish an emergency savings account. If you do not have an emergency savings fund and you’re in need of some emergency cash, call us today to apply for a cash loan. It is in your benefit to get the fast cash and be stress free. The application is quick, simple, and you know within minutes if you qualify for a Cash Loan. We don’t do background checks and we don’t ask for collateral. You can apply for as little as $50 or more than $5,000!

For more info call 855-379-1048 now!

Before you max out your credit card or bounce a check, call us today to discuss a Cash Loan. Our Cash Loans are fast and allow you to get the cash in hand right away and you aren’t required to pay us back until your next pay day. Our process is simple and stress free so Call No! Our customer service representative will walk you through the application and if you qualify, you will have the cash to your account within the hour.

For more info call 855-379-1048 now!

Some of the many Personal Loan companies we partner with are:

The Cash Store
LoanUpSpot
ExpressCheck
Money Tree
LoansSpeedy
Western Union
Check Into Cash
LoanMobile
Ace Cash
GoCashNet USA
Western Sky

For more info call 855-379-1048 now!

For further assistance call:
Customer Service (US Only): 877-735-9082 or 844-747-4779
Orders (US Only): 866-323-2282 or 866-345-8702
Customer Service (Outside US): 855-993-5625 or 855-977-9532
Orders (Outside US): 855-781-7539 or 877-790-5213
Loan Support (US Only): 855-977-5674 or 855-816-2755
Loan Support (Outside US): 877-957-9618 or 888-459-0329 or 888-491-9231 or 888-725-4095 or 888-726-6075