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Payday loans online are short-term loans, usually available for people even with bad credit scores, and can be applied easily from a computer or mobile device. These loans are used to cover emergency expenses and are repaid by the borrowers on the next paycheck. You may get a loan extension in some states, but it's always recommended to check your state website for rules and regulations specific to your state.
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Every state in the US has specific loan requirements. To get a loan from CashOne, you must:
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Over 500,000 loan applications processed as a referral source to 120+ direct lenders offering quick loans with flexible repayment options.
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Our loan calculator helps you estimate the repayment amount based on the expected fees and cost of the loan. People usually talk about the annual interest rate calculators or APR calculators, but you should focus on the fee you will be paying for the loan, which on average, ranges from $10 to $30 for every $100 borrowed and should pay back your loan on time. Then any annual interest rate will be irrelevant.
Note: Different lenders have different rates, and the Annual Percentage Rate (APR) for payday loans also varies from state to state, so the loan estimate is subject to change at any time. Be sure to discuss all related information with your lender before agreeing to accept a loan.
Check your state website to know the avg. APR rate of your state
You can borrow from $100 to $1,000 but there are limits established in each state that greatly differ. Some states limit the maximum amount to $500. Check your state website or ask your lender about maximum allowable amounts. Your income is a prime determinant of loan amount and approval.
If your loan request is approved, you will likely receive the money within one working day. For example, if you request in the afternoon and get approved, you will receive the money on the next business day. It is possible if your request is approved very early in the morning that you will receive your funds later that day. But, ask your lender.
Payday loans are regulated by state law; therefore, the Annual Percentage Rate (APR), depends on the state from where the loan is borrowed. These loans are fee-based loans, ask your lender what your fees are, and you will know exactly what you owe.
The repayment is automatically withdrawn from your bank account on the due date; just make sure you have the required balance in your checking account. However, there can be other loan repayment options as agreed between you and your lender. Ask your lender what options they offer as well as other loan options you may consider (like several months to repay).