How does it work?

What you need to know before getting payday loans online

interest-freeloan.com allows getting payday loans online that are not too burdensome to repay, yet they provide you with financial relief you require. All you need to do is submit an application for us to look for the most suitable lender. You can borrow anywhere from $100 to a thousand dollars; just a few minutes are needed to full out the online form. We will make sure you get a great match and find a lender that will make you happy with the terms and the rates. Once you have found a lender like that, you can expect the funds to be deposited in no time.

Here are some of the requirements our trusted lenders have:

  • At least 3 months of employment at your current job
  • You must have permanent residency or be a US citizen
  • You must be older than 18
  • After taxes, your minimal income must be $1,000
  • You must own a checking account to which the funds will be transferred
  • You must be able to give your phone numbers at home and at work
  • You must have a valid e-mail address by which your lender can contact you

Processed in no time

When you apply for a loan, the best lender is found within just minutes, and you start working together on a solution to your temporary financial problem right away. You may need to provide some information the lender may require for making a decision.

Cash deposited sooner than you expect

The funds are deposited to your account shortly after your application is approved, no waiting around, no wasting your time.

Always secure and confidential

Applying for loans and getting them from our lenders is always safe, as all data is properly encrypted.

No need to actually repay the debt

For your convenience, the money you owe, including the amount you borrowed and all the fees, will be withdrawn as agreed in advance from your checking account.

Policy on late payments

If you are concerned about your lender’s late payment policy, you should discuss this aspect before signing the agreement and accepting the loan. You will be matched with a lender that offers the best terms for you, but their policy on late payments may not be what you expect. Some states also require lenders to use the late payment policy already in place.

Asking for a loan extension

The laws of different states on rollovers may be different; checking with those is advised before applying for payday loans online. Your state may have a no-rollover policy, which means it will not be possible for you to extend the loan in case you are unable to unwilling to repay it in time.

Late payments

If you are late with your payment and violate the agreement reached with your lender, you can be charged fees. The fees will vary from lender to lender, and additional fees may be charged if the borrower can’t pay the amount due along with the other fees. You should keep the situation under control and make sure you have money on your account to repay the debt as agreed.
If you lender is a member of the Community Financial Services Association of America, you will be able to get an extension plan once a year.

Loan Default

Lenders working with interest-freeloan.com have every right to pursue collection of the amount borrowed plus any fees that apply once the date of repayment passed. Criminal charges are also possible against the borrower that defaulted.

Only lenders that are members of the Community Financial Services Association of America can bring criminal charged against their borrowers

Only two easy steps to get payday loans online

Clicking ‘Apply Now’ will get you the best payday loans online!

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Representative APR 391%

Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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