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Looking For Bad Credit Payday Loans?

We might have an excellent solution for you right now!

If a lender promises 'payday loans for bad credit', 'no credit check', 'no faxing' or 'instant approval' - they are misleading you, as all lenders do some kind of credit check! BUT... If you have less than perfect credit it's good to know that all payday lenders will still fairly consider your request. As long as you have a stable and verifiable source of income - you have chances to be approved!

If you've found yourself in an unexpected financial emergency it can be extremely stressful to find extra cash. We will do our best to help you obtain a payday loan (otherwise known as a cash advance) even if you have bad credit.

Payday loans are a short and simple commitment, designed to tide you over until your next pay check arrives. Borrow between $100 and $1,000, pay it back in around two weeks, and all you're charged is one flat fee! Everyone faces financial hiccups from time to time, but there's no need to panic as our network of over 100 lenders are ready to lend today!

All you have to do is fill out our simple loan request form, and we'll try to automatically match you with one of lenders in our network - saving you the hassle of having to apply one by one.

If matched, all further communication regarding your loan request will be held between you and your lender.

If approved by lender, you will normally see the money in your account as soon as the next business day - perfect for time sensitive financial emergencies! No one has that stamina to wait for days, if not weeks, just to get a small amount of money. This is just one of the many reasons why more people are opting for payday loans instead of credit from the bank.

The basic requirements are that you are a legal US citizen over the age of 18, with at least a basic checking account where the loan can be deposited and repayment taken - if you fit all these requirements, lender will consider your request.

Thought it was more difficult?

Gimmicks vs Reality

You may have heard horror stories about payday loans, but this is often the result of unscrupulous lenders using gimmicks to get you to sign up.

Legitimate payday lending is legal in most US states, there are no hidden fees, and you don't pay a high rate of interest unless you fail to make repayment on the agreed upon date - and even then regulations prevent lenders going overboard.

We work with a network of over 100 registered payday lenders, who will provide you with the full terms and conditions before you ever sign an agreement.

We repeat - If a lender promises no credit check, no faxing or instant approval, they are misleading you!

Still, less than perfect credit does not automatically disqualify a loan request from being considered. Likewise most lenders will require some kind of supporting documentation which must be faxed if you can't forward statements online.

Why choose a payday loan?

The main advantage of a payday loan is the simplicity of requesting one and the speed of approval. After you sign an agreement with a lender, you can see the cash in your account as soon as the next business day! No bank or large lending group has such as fast turn around.

Payday loans are also perfect for those who for whatever reason don't have a credit card or access to other forms of credit.

The whole application process can usually be completed online, and repayment is easy and automated, using the bank details you provide. As long as you legitimately need cash to cover some unexpected expenses until your next pay check, there's nothing more efficient than an online payday loan.

The advantages of online processing

The internet has changed our lives, and made it much easier in a number of ways. We can now pay our bills and shop online, and socialize with friends and family. This has gone a notch higher whereby people can apply for loans through the internet from the comfort of their homes by using any internet connected device.

Cash advance loans were first offered by banks on a physical level, which required the applicant to physically be completed at the bank, have a little chat with the lender (this actually included a thorough screening), and then discuss why they needed the loan. As you can see, this was a bit of a put off to most people. Even worse if you were rejected, you would have to find another lender and go through the whole ordeal again. We streamline the process by working with many different lenders, matching you with one of them in minutes.

Remember, payday loans are:

  • Easy to apply for, with no hoops to jump through.
  • Your personal and banking information is secured by encryption.
  • You could see the cash in your account as soon as the next business day.
  • Repayment is automatic and coincides with your next pay check.
  • Flexible amounts from $100 to $1,000 are available.
  • Regulated by state law.
  • Open to any US citizen over the age of 18 with a full time income.

So what are you waiting for? If you think a payday loan is for you, hit the button below and tap in to our network of 100+ lenders!

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Consumer Notice: Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Payday loans are not an effective way to solve such a problem, and may get one further in to debt. Federal and state laws cover certain types of lenders and loans, including short-term loans. Consumers are encouraged to research laws that may be applicable to payday loans, as well as ask their lenders for more information.
Availability: Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. DetroitHarmonie.com cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form.
The owner and operator of DetroitHarmonie.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presented on the website for information purposes only. DetroitHarmonie.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. DetroitHarmonie.com does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products.
The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.
APR Representative: APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since DetroitHarmonie.com is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, DetroitHarmonie.com cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with DetroitHarmonie.com, and DetroitHarmonie.com has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.
Late Payment Implications: It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.
Non-payment Implications: Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied.
Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.
Non-payment and late payment may have negative impact on the borrowers' credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.