A payday loan is a small, short-term, no-collateral cash advance typically under $1,000. It is secured by future income, which may include your next paycheck, a dividend, or other regular sources of income. The repayment term for a payday loan is generally 30 days or less.
These loans are designed for emergency situations. If you find yourself relying on payday loans for regular expenses, consider seeking credit counseling, debt management assistance, or other forms of help. Nonprofit agencies are available to assist individuals with ongoing and excessive debt.
Please use payday loans responsibly.
An installment loan is a small, short-term, no-collateral cash advance, usually under $5,000, backed by future income. This income may be your next paycheck, a dividend, or another regular source. The loan is repaid through a series of scheduled payments.
Please use installment loans responsibly.
A personal loan is an unsecured loan that can be as large as $35,000, similar to a line of credit. It is backed by future income, such as your next paycheck or regular dividends. Personal loans generally have longer terms compared to payday or installment loans and can be used for purposes such as consolidating debt or paying off high-interest credit cards.
Please use personal loans responsibly.
LeadVaultOnline is not a lender and does not make credit decisions. We operate as a loan referral service, connecting consumers seeking financial assistance with independent third-party lenders who may offer loans.
The process begins by completing a simple online form. Your information is then shared with third-party lenders who may extend a loan offer. You are under no obligation to accept any offer. If you choose to proceed, the lender will provide instructions for acceptance. Each lender has its own terms and conditions, so be sure to review these, especially regarding APR, fees, renewal terms, and consequences of non-payment.
For any questions regarding your loan, please contact your lender directly.
Registering with LeadVaultOnline is free of charge for consumers. We receive compensation from independent third-party lenders for potential customer referrals.
Fees, APR, and terms are determined by the individual lenders and are not charged by LeadVaultOnline. You will be informed of any fees and charges at the time of the loan offer. You are not obligated to accept these terms. Your loan is confirmed when you electronically sign and return the offer to the lender.
Please read all documents thoroughly to understand the terms and conditions of the loan.
Payday loans typically range from $100 to $1,000. Installment loans can range from $100 to $5,000, and personal loans generally range from $500 to $35,000. The loan amount you request may differ from the amount offered, depending on factors such as the lender, your employment, income, and other criteria.
Funds may be transferred to your bank account as soon as the next business day. Transfer times can vary based on your lender and financial institution. For specific details on transfer times, please contact your third-party lender.
Minimum requirements may vary by lender, but typically include:
You will need to provide banking, employment, and personal information, including your name, address, telephone number, place of employment or source of income, driver’s license number, bank account details, and social security number.
Third-party lenders may perform credit checks or use other methods to verify the information provided.
LeadVaultOnline employs advanced security measures to protect your information. All sensitive data transmitted between your browser and LeadVaultOnline is encrypted using 128-bit Secure Socket Layer (SSL) technology. Your use of our services is voluntary and governed by our Terms & Conditions of Use and Privacy Policy.
The loan transaction process can be completed in as little as one business day after you register with LeadVaultOnline and receive an offer from a third-party lender. Factors such as the time of registration, the accuracy of your information, and processing times by your lender and financial institution may affect the transaction duration.
LeadVaultOnline does not set repayment terms. Each independent third-party lender has its own terms and conditions, including those related to repayment. Please contact your lender for details regarding the repayment schedule specified in your loan agreement.
Many lenders will perform credit checks to verify the accuracy of the information provided and to assess how it compares to national databases. This may include verifying your social security number, driver’s license, and banking information.
Be aware that multiple inquiries to major credit bureaus (Experian, Equifax, and TransUnion) could potentially lower your credit score. It is advisable to apply for loans one at a time to minimize the impact on your credit score.
Loan renewal policies vary by state and lender. Each lender has its own renewal policies, and state laws may regulate the automatic renewal of payday loans. Ask your lender whether your loan will automatically renew or if your consent is required.
Renewal may result in additional fees and interest, so be sure to understand these terms before agreeing to any renewal.
The consequences of late or non-payment vary by lender. Common penalties may include late fees, collection actions, credit reporting to consumer agencies, and loan renewal offers with additional fees or interest.
It is important to fully understand the penalties and implications of not repaying the loan on time. Contact your lender for specific details.
Material disclosure
APR Disclosure: Some states limit the Annual Percentage Rate (APR) that lenders can charge. APRs for cash advance loans range from 200% to 1386%, installment loans range from 6.63% to 485%, and personal loans range from 4.99% to 450%, depending on the lender. Loans from states without APR caps or from banks not governed by state laws may have higher APRs. The APR represents the rate at which interest accrues on a loan based on the amount, cost, term, repayment amounts, and timing. Lenders are required to disclose the APR and other loan terms before you sign an agreement. APR rates can change.
Material Disclosure: LeadsVaultOnline.com is not a lender, loan broker, or agent. We are an advertising referral service connecting users to qualified participating lenders who may offer cash advance loans ($100 to $1,000), installment loans (up to $5,000), and personal loans (up to $35,000). Not all lenders provide these amounts, and acceptance by a lender is not guaranteed. This service is not an offer or solicitation for loan products prohibited by any state law, nor is it an endorsement or charge for any service or product. Compensation received is solely for advertising services. The service and offer are void where prohibited. We do not control or are responsible for any lender’s actions or the full terms of your loan, including APR. Contact your lender directly for information about specific loan terms, rates, charges, renewal, payments, and implications for non-payment. Your registration information may be shared with one or more participating lenders. You are not obligated to use our service, contact a lender, register for credit or loan products, or accept a loan. Cash transfer times and repayment terms vary by lender and may be subject to state and local regulations. Some faxing may be required. For additional information, such as credit and late payment implications, refer to our FAQs. These disclosures are for informational purposes only and are not legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.
Exclusions: Residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia are not eligible for this service. The states serviced by this website may change without notice.
Credit Implications: LeadsVaultOnline.com does not make credit decisions. Participating lenders may perform credit checks with credit bureaus or alternative providers to determine creditworthiness. By submitting your information, you consent to these checks. Loans from lenders in our network are short-term solutions and not a long-term financial strategy. Consider professional financial advice before taking a short-term loan. Late payments may incur fees or collection activities. Non-payment may also result in collection activities. Each lender has its own terms, conditions, and renewal policies. Please review them carefully.
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