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Everyone has hard times. At PaydayDigger.com, it is our goal to match you with short term loan lenders who can provide you with emergency funds you need, regardless of the reason, fast.

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Quick & Easy process

• Application that takes only 90 seconds to complete.

• Your information is protected with 256-bit technology.

• Very High Approval Rate.

• Money will be deposited in your account within hours.

• No faxing required: lenders use e-signature.

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.

Operator of this site does not perform credit checks. All credit decisions, including loan approval and the conditional 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 to whom you are matched. You may not be matched with the lender, and we does not guarantee that any lender will make you a conditional loan offer. Operator of this site is not a lender, agent or representative for any lenders and cannot ultimately decide whether or not you are approved for a short term loans. This site sole purpose is to match you with one or more lenders from within our network who may be able to provide you with the funds you need. PaydayDigger.com cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, or West Virginia, Virginia or Ohio. This service and offer are void where prohibited.

There is no cost to submit a loan request, get matched with lenders. You may review the loan offers and talk to the lenders at no cost. PaydayDigger.com does not charge you, the consumer, a fee for its services. Who pays our bills? The lenders. After you fill out our simple, quick and free online application, we will provide this information to lenders that may be able to provide you with the funds you have requested. We urge you to carefully review the terms associated with each offer before accepting or declining. You are not under any obligation to accept an offer from a lender. Until you agree to a loan offer, you may shop at no cost and you can cancel the entire process at any time at your discretion. Before you agree to a lender’s offer, we recommend that you fully understand all of the downfalls associated with short term loans.

If you are having serious financial issues, a short term loan may not be the solution. In this case, it is often best to consult with a professional credit counselor.