Terms of use

Effective date: {{VERIFY: set at launch}}

1. What PaydayMetro is (and is not)

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.

By using this site you understand that any loan you obtain is a contract between you and the lender only. The lender — not PaydayMetro — sets your terms, disburses funds, and collects payments. Review every loan agreement carefully before signing.

2. Eligibility

You must be at least 18, a US resident, and use the site for yourself. You agree that the information you submit is accurate and yours. Submitting another person's information without authority is prohibited and may be unlawful.

3. The connecting service

Submitting a request authorizes us to share it with lenders and lending partners in our network as described in Your Privacy Rights and the consent shown at submission. We do not guarantee that any lender will accept your request or that any particular amount, rate, or funding time will be offered. Availability varies by state — see state rules — and we do not route requests from states where the product is prohibited.

4. No fees to you; how we're paid

The service is free to borrowers. We receive compensation from lenders and lending partners when a request is delivered. This compensation may affect which lenders receive or prioritize your request; it never adds to your loan cost, which is set by state law and the lender.

5. Educational content

Articles, calculators, and state pages are general information, not financial, legal, or tax advice, and may contain figures pending verification. Verify anything that matters against your lender's disclosures or your state regulator, and consider a nonprofit credit counselor for personalized help.

6. Acceptable use

• No scraping, automated submissions, or interference with the site's operation.
• No submitting false, fraudulent, or third-party information.
• No use that violates any applicable law.

7. Disclaimers and limitation of liability

The site is provided “as is.” To the maximum extent permitted by law, PaydayMetro disclaims warranties of any kind and is not liable for the acts, omissions, products, or terms of any lender or lending partner, nor for indirect or consequential damages arising from use of the site. Nothing here limits rights you have under laws that cannot be waived. {{LEGAL REVIEW: liability, arbitration, and governing-law provisions}}

8. Changes

We may update these terms; continued use after posting means acceptance. We'll date all revisions here.

9. Contact

support@paydaymetro.com · {{VERIFY: mailing address required for CAN-SPAM and network approval}} · Contact page