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If you find yourself in some sort of financial difficulty, then you may want to look into applying for a payday loan. It’s not something complicated to do – and if you choose to apply for payday loans online, then we can process your request in as little as 15 minutes.
Unpleasant situations may occur, in which you will be required to spend more money than you have in your pocket. Let’s say your car’s engine is malfunctioning and it needs to be repaired as soon as possible, or you just have to replace a faulty piece of furniture. In these cases, looking into online payday loans can save you a lot of time and provide you with the necessary money.
Info on payday loans online
When you get a payday loan, it means that – unlike personal loans that can be repaid in periods as long as six months – you have to repay them until your next paycheck. Basically, you are receiving your paycheck earlier – when you might need it the most.
But there are also some things you should take into account if you think of applying for cash advance. First of all, you should keep in mind that you can’t borrow more money than you are earning in a month. This is because the lenders need to be sure that you will repay the money by the end of the month – and if you get more money than you spend, you wouldn’t be able to do that.
Also, these loans have to be paid quickly so you don’t bump into any other problems. Therefore, it is recommended that you don’t borrow a sum that’s lower than what you make in one month – so you will have money left to pay the bills and such.
As we’ve mentioned that you can contact us if you are looking for payday loans online, let’s tell you some things about the services we offer and how we can make your life easier.
Payday Loan Advantages
- Simple process: apply for payday loans with simple online form
- Do you have a Bad Credit? No Problem!
- It's very fast Most internet payday loans are available SAME day or the NEXT business day!
- Apply online for your payday advance now!
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How things work
In terms of security, no information that you have used when applying for a payday loan on our website will be compromised or disclosed, of course. All of your data is completely safe as we comply with the latest requirements when it comes to online security.
Even though we’ve said that in 15-minutes time you will be linked to a lender on our website – there’s even the possibility, which is quite likely, to be contacted by one of us immediately, because we try to provide the fastest services for people who want to get payday loans online.
It’s worth mentioning that we work only in the USA, and when it comes to the maximum amount you can borrow from us – that is up to 1,000 USD for payday loans, and in case you might want a personal loan / installment loan, the sum then goes up to 3,000 USD.
What Type of Loans are available?
Installment Loans - quick cash paid back over a medium term with a fixed interest rate that is repaid in equal monthly payments and it's usually limited to 24 months up to 3,000 USD.
Payday Loans - quick cash advance typically paid back from your next paycheck or within 30 days. You can obtain as much as $1,000.
Cybotex.com offers personal loan, payday loan, installment loan and cash advance options in Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.
The bottom line
In the end, after everything is done, all the forms are filled, and you reach an agreement with our lender, the cash you borrowed through your payday loans online will be sent right away to your financial balance.
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Disclaimer
Short-term loans are emergency credit products of relatively small amounts designed for short-term financial issues only and can become an expensive product if used for long-term purposes.
The owner and operator of Cybotex.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designedonly for amatching 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 presentedon the website for information purposes only. Cybotex.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. Cybotex.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. 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. Cybotex.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 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 Cybotex.com is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, Cybotex.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.
CybotexAdditional 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 Cybotex.com and Cybotex.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.