APR & Material Disclosure

APR disclosure. APRs for installment products range from about 6.63% to 225% and for cash-advance products from about 200% to 1,386%, varying by lender and state. The APR is the annualized cost of credit — interest plus fees — and short-term loans always produce large APR figures even when the dollar fee is small. Lenders must present the exact APR and fee schedule before you accept any offer, and rates are subject to change.

Material disclosure. The operator of this website is not a lender, loan broker, agent for any lender, or an agency of the U.S. government. We are an advertising referral service that submits your request to independent participating lenders, who may offer amounts between $500 and $5,000 repaid via payroll allotment or bank draft. We do not guarantee acceptance, we do not make credit decisions, and we are compensated by participating lenders for advertising services — never by applicants. Submitting a request registers no obligation to accept any offer.

Not a government benefit. Allotment loans are private credit products. They are not issued, insured, or endorsed by any federal agency, and references to payroll systems describe a repayment mechanic only. Federal grants and assistance programs are separate, free, and administered through grants.gov and benefits.gov.

Exclusions. Residents of the following jurisdictions are not eligible to use this service: Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, Vermont, West Virginia. The list of serviced states can change without notice as state laws and lender coverage evolve.

Credit implications. The operator does not perform credit decisions. Participating lenders may verify your information with credit bureaus or alternative providers to assess creditworthiness. Late or missed payments can result in additional fees or collection activity. Every state page on this site lists alternatives worth reading first, and each lender sets its own renewal policy — ask for it in writing before accepting an offer.