INSTANT PAYDAY LOAN LENDER
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TO GET INSTANT CASH YOU MUST…
Understanding payday loan fees can be tough, see the example below to understand the cost of borrowing:
COST OF BORROWING:
$21 per $100 borrowed. If you borrow $100 the total amount due is $121.00. If you borrow $200 the total amount due is $242 etc
Fat Payday Loans understands that having bad credit doesn't mean that you will default on your loan re-payment. That's why we accept applications regardless of your past history. You can depend on us for all of your borrowing needs.
These disclosures are provided to you for information purposes only and should not be considered legal advice.
APR: Representative APRs range from 200% and 1386%. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon various factors, including, without limitation, the amount and cost of your loan, the term, repayment amounts and timing of payments. The range of values displayed represents the entire range of APRs associated with loans offered by our participating lenders. Some states have laws limiting the APR that the lender can charge you. However loans from a state with no such limiting laws, or loans from a bank not governed by state laws may have even higher APRs. 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. By law, the lender must show you the APR before you enter into the loan. Please be sure your lender gives you the APR along with the other terms of your loan before you sign their agreement.
The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We do not have access to the full terms of your loan. This is not a solicitation for a particular loan. We are a referral service to qualified participating small-dollar lenders that may offer amounts between $100 and $1,000. Not all lenders can provide up to $1,000 and there is no guarantee that you will be accepted by a participating lender. We do not endorse or charge you for any service or product. The registration information submitted by you on this website will be shared with one or more participating lenders. Any compensation received is paid by participating lenders and only for advertising services provided. We cannot guarantee loan amount availability or loan approval. You are under no obligation to use our referral service to initiate contact with a lender, nor apply for or accept credit or any loan product with any service provider or lender. Loans provided by participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. These types of loans are not a solution for long-term debt or credit difficulties. Never borrow an amount that cannot be repaid on your next pay period date. We do not control and are not responsible for the actions of any lender. Participating lenders may perform credit checks with credit reporting bureaus or obtain consumer reports through alternative providers. Cash transfer times may vary between lenders, and may depend upon your financial institution. Repayment terms vary by lenders and are regulated by state and local laws. Some faxing may be required by lenders. This service is not available in all states and is void where prohibited. Residents of some states may not be eligible for some or all short-term, small-dollar loans. The states serviced by this website may change from time to time, without notice. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. You are responsible for complying with all short-term, small-dollar loan statutory obligations in your state of residence. For details, questions or concerns regarding your loan please contact your lender directly. Consider seeking professional advice regarding your financial needs.
Collection Practices of Lender/s:
Company collects information about You by and through Your access to and use of this Site and through Your use of Company’s referral services (“Company’s services”). Some information is collected through Your submission of information when You submit Your information on the Site. Any use of Company’s services is entirely voluntary, and You are not required to provide any such information to Company unless You choose to utilize Company’s referral services. Other information is collected by virtue of Your access to and use of this Site, which includes, without limitation, Your Internet Protocol address, browser type, location information, and date and time of access and use. The information collected by virtue of Your access to and use of this Site may be collected irrespective of whether You submit information to register for Company’s services. This Policy applies to all such information, howsoever collected.
By registering for Company’s services, You understand that You are requesting a referral for a loan from the Participating Lenders with whom we may share Your information. You are also giving Your express consent to receive promotional materials from Participating Lenders, Company and/or third party marketing partners with whom we may share Your information. They may also provide information to You about additional services and products. You further understand that all communications, whether to assist You in obtaining the loan requested or for promotional purposes, may be via direct mail, email (at the email address provided by You) and/or telephone/mobile device (at the number(s) provided by You) notwithstanding that Your email address and/or numbers may be listed on a corporate, state, or federal Do-Not-Contact registry, suppression list, or the like. You agree that by giving Your express authorization for receipt of the various marketing materials and means of delivery contemplated herein, You thereby waive Your right to file a claim or complaint with the FTC, FCC or any other federal or state agency or office with regard to such contact. If You do not wish to receive such marketing materials and/or communications, You may request to be removed by using the relevant opt-out mechanism in such communications. Requests to unsubscribe from receipt of communications from third parties must be communicated directly to such third parties. Company is not responsible for stopping all unwanted communications from sources beyond Company’s control
Implications of Non Payment
If you do not repay your entire loan on or before the loan due date, the loan will be considered “non-payed” and will be subject to a fee of $47.50. Your bank or financial institution may also charge you an NSF (non sufficient funds) fee. In addition, interest will accrue on any unpaid balance at a rate of 59% per annum. So as to avoid the overdue fee and overdue interest, please ensure that you have sufficient funds in your bank account on your loan payment due date.
In the event that you do not repay us on a loan, you will not be permitted to borrow from us again until such time as you have repaid your outstanding delinquent loan. In addition, your file, including all delinquency information regarding your delinquent loan, will be sent to a third party collection agency. We only use reputable collection agencies that comply with all prevailing best and lawful collections practices.
Any customer who does not repay his or her loan in full by the loan’s due date will be considered delinquent and the loan will be classified as non-payed. In such cases, the customer’s file will be sent to a third party collection agency and customer will have this default reported to a credit agency. The customer’s credit rating may be negatively impacted.
Renewal Policies and Practices:
You may renew your loan once a month. Renewals are issued based on previous repayment history.
Physical Contact Information: 214 Wood Ave, Buffalo New York, 14221 United States. 1 888 253 3777