Advertiser & Material Disclosure

We are a referral service, not a lender

The operator of 500paydayloans.net is not a lender, loan broker, or agent for any lender or loan broker. We are an advertising referral service that connects consumers with participating lenders and lending networks. We do not make loans, do not make credit decisions, and do not guarantee that you will be approved or that you will be offered any particular amount, rate or term.

How we are compensated

We may receive a marketing fee from lenders or networks when we refer a request that they accept. This compensation may influence which lenders or offers appear and in what order. It is paid by the lender, not by you, and it does not increase your loan cost. Using our service is free.

Because we are compensated by the companies we feature, the site should be treated as advertising rather than impartial financial advice. Not all lenders or loan products available in the market are included.

APR disclosure

Some states have laws limiting the Annual Percentage Rate (APR) a lender can charge. APRs for short-term cash-advance loans are high and commonly range from about 200% to 1386%, and APRs for installment loans typically range from about 6.63% to 225%. Loans from a state with no limiting law, or from a bank not governed by state law, may carry an even higher APR. The APR is based on the amount, cost and term of your loan, your repayment amounts, and the timing of payments. Your actual APR is set by the lender and disclosed to you before you accept any offer.

Material disclosure

Short-term loans are intended for short-term financial relief and are not a long-term financial solution. Consumers facing debt and credit difficulties should seek professional advice. Not all lenders can provide loan amounts up to $1,000, and there is no guarantee you will be accepted by an independent participating lender. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR; for details, contact your lender directly. Late or non-payment may result in additional fees and collection activity as set out in your loan agreement.

Residents of some states may not be eligible for short-term loans depending on local law. This service is void where prohibited.