Important disclosure. This website does not constitute an offer or solicitation to lend. PaydayMetro is NOT A LENDER, does not make loan or credit decisions, does not broker loans, and is not an agent or representative of any lender. We are a lead generator: this website's aim is to provide lenders and lending partners with information about prospective consumer borrowers, and we are compensated by lenders and lending partners for this service. We do not charge you any fee — there is no application fee or any other cost to you for submitting a request. Submitting your information does not guarantee that you will be approved for a loan, and we cannot guarantee any particular loan amount: not all lenders can provide the maximum amount discussed on this site, and the amount you may borrow is determined by each lender based on its own policies and your creditworthiness. Loans are not available in all states. Loan amounts, funding times, repayment terms, and costs vary by state and by lender; the time to receive loan proceeds varies among lenders, and in some circumstances additional document verification may be required. Every lender has its own terms, conditions, and renewal policy — review your lender's terms and renewal policy before signing, as late payments may result in additional fees or collection activities, or both. Short-term, small-dollar loans are high-cost credit intended for short-term financial needs only and are not a long-term financial solution; consumers facing debt and credit difficulties should seek out debt and credit advisory help, such as a nonprofit credit counselor. By using this website you represent that you are at least 18 years old, a resident of the United States, and not a resident of any state where the loan you are requesting is unavailable or impermissible.
Cost of loans. Representative example: a 14-day payday loan of $300 with a $45 fee ($15 per $100 borrowed) has an APR of approximately 391%. APRs on short-term loans are high because the fee is charged over a short period; your actual cost depends on your lender, loan amount, term, and state law. Installment loan APRs commonly range from around 36% to 400% or more depending on the lender and state. You will see the exact terms, fees, and APR in the lender's loan agreement before you sign — review it carefully and only sign if you can repay on time.
Loan availability depends on where you live — see payday loan laws by state. If you are struggling with debt, free help is available from nonprofit credit counselors and local assistance programs.
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