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Disclaimer

To apply for a short term loan, you should first fill out our online form. There is no cost to submit a request, get matched with lenders or and receive conditional loan quotes. You may review the conditional loan offer and negotiate with the lender(s) at no cost. Until you agree to receive a loan, you may shop at no cost. Each lender is different and PaydayDigger.com has no control over the rates and fees each lender charges. Carefully review the terms associated with each offer before accepting or declining. Before you agree to a lender’s offer, we recommend that you fully understand all of the terms associated with short term loans and decide if a short term loan is a solution for your financial issues. In many cases it makes sense to consult with a professional credit counselor.

Once you have located a lender and agreed with the terms they presented, you will be required to provide your electronic signature—which is legally binding—before your funds will be deposited into your bank account. You are not under any obligation to accept an offer from a lender and you can cancel the entire process at any time at your discretion.

PaydayDigger.com is not a lender in any transaction. All credit decisions, including loan approval and the conditional services, rates and terms you are offered, are the responsibility of the participating lenders will vary based upon your loan request and determined by the lenders with whom you are dealing with. Not all consumers will qualify for the loan, rates and terms. You may not be connected with the lender that provides you with the loan you are looking for, and we does not guarantee that any lender will make you a conditional loan offer. We also cannot influence the amount of cash you may receive from the lenders within our network. It is not our policy to perform credit checks on any of our customers. We do not act as agents or representatives for any of our lenders.

PaydayDigger.com is not responsible for making any decisions regarding loans and credits. The information on our website is nothing more than an advertising. The procedure of loan application is being held in order to archive the best cooperating match between the borrower and the lender and it is based on the applicant’s information. It should be mentioned, that provided data will be available to third parties. Every application is introduced to many lenders in order to increase the chance of success. In some cases faxing and/or credit check can be necessary. Filling in this application must not insure you in any approval of services. PaydayDigger.com cannot be held accountable for any lender's charges or terms, PaydayDigger.com is in no way responsible for any agreement between you and a lender.

Any of the information that you read on this website may be changed at any time without any prior notice.

Any transactions or communications that transpire between you and PayDayDigger.com are considered to have occurred in the state of Delaware and are always subject to Delaware laws, regardless of where you live or where you were located at the time of the application or approval. Due to state regulations, we are unable to offer loan quotes in many States, including Georgia or West Virginia. Please visit the State Regulations page of this website to learn about the laws as they apply to the State where you live.

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Accessing this web site, I acknowledge that I have read and agree to abide by the Terms of Use and consent by electronic signature to be contacted by a live mortgage agent, artificial or prerecorded voice, and SMS text at my residential or cellular number (dialed manually or by autodialed) and by email. Calls may be recorded for quality assurance.

LEGAL DISCLAIMER: The operator of this website is not responsible for making any decisions regarding loans and credits. The information on our website is nothing more than an advertising. Every application is introduced to many lenders in order to increase the chance of success. In some cases faxing can be necessary. Filling in this application must not insure you in any approval of services.

This service is absolutely free and you are under no obligation to accept any of the quotes or services provided by participating lenders and agents. Thank you for visiting our web site and we look forward to providing you with the best service possible. To contact us via mail: Global Data Mining LLC, DBA Loan Savings Solutions 16192 Coastal Highway Lewes, DE 19958

*APR: Annual Percentage Rate is expressed as the periodic interest rate times the number of compounding periods in a year. APR includes non-interest charges and fees. Short-term loans normally incur such a fees so APR requires detailed calculation.

APR EXAMPLE: A person borrows $500 until the next payday. The lender provides a two-week loan and charges a $75 fee. The lender will require the borrower to provide a postdated check for $575 to be held until the borrower's next payday. When the loan comes due, the borrower may repay the loan by allowing the lender to process the check or by bringing in the full payment of $575 in cash. The borrower may also have the option to “roll over” the loan by taking out another loan and paying an additional $75 for another two weeks. In this example, the annual percentage rate (APR) calculates to 391% for the original two-week loan of $500 with a $75 fee.

FINANCIAL IMPLICATONS: fees for short term loans that amount up to $500 may vary from $15 to $40 for $100 borrowed. Lenders may charge higher fees for loan amounts of more than $500. Lenders may charge additional fees for non-payment or non-sufficient funds. For example, lenders may charge $20 for non-sufficient funds and 10% of principle if the debt is 15 days late.

RENEWAL: depending on the lender, renewal may be automatic if the loan has not been repaid on the due date. Some lenders give debtors several options to choose from when taking out a loan: auto renew a loan, pay it in full or pay down the principle. The minimum renewal term is 15 days. Please note that you may be required to pay additional fees associated with loan renewal and loan interest rates may be reset as well.

FCU STS LOANS: The Federal Credit Union Act sets the maximum allowable Annual Percentage Rate (APR) 18% for most loans and 28% for loans made under NCUA's Short-Term Small Loan (STS) program. To charge up to 28% APR, federal credit unions can offer loans under the conditions including:

- Principal Amount: $200-$1,000

- Application Fee: $0-$20

- Term: 1-6 Months

- Rollovers: prohibited

Members who successfully pay off STS loans at FCUs will likely be able to improve their credit scores and qualify for future loans at lower costs.