Our Online Payday Loans Offer Convenient 3-Month Repayment Terms

With three-month short-term loans, you can borrow up to $1,000, with a straightforward online application process, no hidden fees or extra costs.

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You don't need a perfect credit to get:

  • $100 - $1000 Payday Cash Advance
  • $1000 - $35000 Personal Installment Loan

Applying is free, secure and doesn't affect your credit score.

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use,I understand that by submitting my information, I may be contacted by telephone by one lender.

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Our Online Payday Loans Offer Convenient 3-Month Repayment Terms

Author: 
Ann Brown 
3 month payday loans

3-month payday loans review

Browsing the news and comparing the different lenders in the market, to find the best financial solution to overcome the financial crisis, a potential borrower might find the description of a 3-month loan as the better of worst one. The majority of advanced borrowers acknowledge the fact that payday loans must only be taken out as a last resort. In another case, urgent cash will turn into a nightmare with extra fees and penalties. A person is always liable to pay back the loan. The lender even can take the debtor to court to recover their debt from any assets the debtor has.

What you should know about 3-Month Payday Loans

Before considering applying for a 3-month loan, be aware of:

  • High-interest rates. The annual percentage rate is up to 400% depending on the lender. Fees also can vary from lender to lender
  • Overdraft might be seen as an advantage. But on the other side, in case a borrower doesn’t make the repayment, it will lead to more fees.
  • Some lenders claim the possibility to improve one’s credit score in case all payments will be made in time. On the other side, payday lenders very rarely report any payment information at all.
  • More time to pay the loan off, in comparison with traditional 1-month loans. Extension of repayment period might be of great help, but payday loans, unlike installment loans, are supposed to be paid off all at once.
  • Same day Payday Loan funding.

3-month payday loans available for bad credit borrowers

Since lenders don’t count on the borrower’s credit history as a primary way of calculating whether a loan will be paid back, bad credit borrowers also will be accepted. Of course one has to provide the lender a lot of personal information to go through the application process. As a rule, lenders look at such factors as a person’s monthly income and outgoings. It's essential to be honest filling out this information, as it determines one’s chances of getting accepted for a quick bad credit Payday loan. Moreover, the main eligibility criteria below should be fulfilled:

  • Be at least 18
  • Have an active bank account
  • Proof a steady source of income
  • Residence in an eligible state

After the online Payday Loan application form is submitted, it will be instant pre-approved, and the lender’s customer service team will contact a borrower to ask whether it is convenient to finish the application process online or in-store.

3-month payday loans approved by direct lenders are considered to give quick access to cash. Once approved, the cash could be sent within minutes. In fact, the processing time depends on the amount one wants to borrow, and the process used by a bank that is outside of the lender's control.

With Us, you don't need perfect credit score to get a loan.

quickcashandloans.net is not a lender and does not provide any financial products or make credit decisions. This website is a referral advertising service. And its aim is just providing verified up-to-date information. Still, it may differ from what you will see on other companies' sites. So before applying for any item, check the details of the deal at the lender's website reading their Privacy Policy and Terms of Use.

Besides information we offer real customer reviews double checked by e-mail and phone verification. By submitting your information through this site, you agree to have it shared with third parties for the purpose of matching your request with a potential borrower.  In some cases this is our affiliated partnet and we may receive some compensation from them for featured placement of their products or services. In others, we just give you information and let you compare this company to their competitors. All products on our website are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions.

APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Here's a quick example:

You borrow $1,000 with an APR of 3% over 3 years (assuming an annual APR calculation).
Year 1 interest: 1,000 x 0.03 = 30 and 30 + 1,000 = 1,030
Year 2 interest: 1,030 x 0.03 = 30.9 and 30.9 + 1,030 = 1061
Year 3 interest: 1,061 x 0.03 = 31.83 and 31.83 + 1,061 = 1,092.83 In total, you'll pay back $1,092.83 at the end of the finance period.

For peace of mind, and to ensure you know what you're going to pay, ask your lender exactly what fees are included in the APR figure they offer you.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

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Loan Request Form

You don't need a perfect credit to get:

  • $100 - $1000 Payday Cash Advance
  • $1000 - $35000 Personal Installment Loan

Applying is free, secure and doesn't affect your credit score.

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use,I understand that by submitting my information, I may be contacted by telephone by one lender.