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    Request a loan online quickly and conveniently. You won’t have to fax anything and bad credit is OK!

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    Our lender will provide loan terms, including rates and fees, and can deposit your cash directly into your account.

Payday Loan Help Can Be Quick and Convenient

GreenPayday can can get you the payday loan help you need — today.

Sometimes, it simply makes more sense to borrow money on a short-term basis through a company that can offer payday loan help than it is to wait for your next payday. Have you ever been in a position where payday was just too far away? You need money today to keep the lights on, go to the doctor or repair your car so you can get to work and earn that much needed paycheck.

The Cost of Not Getting Payday Loan Help

If you are ill, you may not be able to work. If you can’t work, you may find yourself out of more than wages for the missed days. In this economy, with so many people looking for work, you may find yourself out of a job. The same applies if you do not have a reliable mode of transportation to get to work. Why wait until payday to fix your car, risking that the repairs may be more costly or you may not be able to get to your job?

Putting off payment of a bill can cost large sums of cash in the form of late fees. Allowing your bank account to be overdrawn can cost an incredible amount of money in overdraft fees. Payday loan help is available to keep these costs from spiraling out of control.

How Payday Loan Help Works with GreenPayday

GreenPayday is not a lender and does not provide payday loans but refers consumers to lenders who may provide such loans. When you request payday loan help at GreenPayday, you not requesting a loan from us. Instead, you are taking advantage of our network of payday loan providers.

Our online service is entirely free and works to find potential lenders in our network. Simply fill out and submit our encryption-secured online form. If we find a possible lender, you will be presented with the next steps to complete your loan request. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline. We encourage you to always read the terms of your loan thoroughly before accepting them, no matter where you get your loan.

Bad Credit is OK with GreenPayday

GreenPayday network of lenders works with all credit – including bad credit. GreenPayday may do a “soft pull” of your credit information, which will not impact your credit score. Further, the lender that you are matched with may run a credit check with one or more credit agencies. If you have had many credit checks in a given period of time, it is possible that this check may negatively affect your credit score.

There are Minimal Requirements to Get Payday Loan Help with GreenPayday

When you complete your request for payday loan help with GreenPayday, we’ll ask you a few questions to determine your eligibility for a loan with one of our provider lenders. There are a few basic pieces of information needed to determine eligibility.

If you meet these requirements, then you can qualify for payday loan help with our network of lenders.

Find a Payday Loan Provider that can Work for You

Taking out a payday loan can be intimidating the first time. How do you know you can work with a company you’ve only contacted over the Internet?

One way is to use GreenPayday to help find a lender that can work for you. GreenPayday uses advanced encryption technology to protect your personal information. We make a reasonable effort to work only with reputable lenders.

Our online service is free and works to find potential lenders in our network that can work for you.

The Convenience of Automatic Payment

It goes without saying that when you need an emergency cash loan, you need your money right away. Because of this, it isn’t always convenient to visit a payday loan establishment to repay your loan. You weren’t planning that particular errand, so it can be easy to forget. Rather than risking late fees which can make using a payday loan company more expensive than it needs to be, GreenPayday refers you to lenders who can automatically process your payment on your next payday.

It is important to remember to budget for what will amount to a smaller payday after your repayment amount is withdrawn from your account, but the amount of money you can save by seeking payday loan help makes the entire process worth it.

It is important to remember to budget for repayments that will be withdrawn from your account.

Representative APR Range

GreenPayday is not a lender and does not provide short-term loans but matches consumers with potential lenders who may provide such loans. For this reason, we are unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to the information supplied by you in your loan request and your lender. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. The APR on a cash loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on, if applicable.

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APR – Interest Rates and Repayment Explained

The annual percentage rate (APR) is the annualized interest rate that you are charged on your installment loan. GreenPayday is not a lender, but it does match consumers with lenders that offer loans that may work for them. We don't charge fees for this service. GreenPayday does not have the ability tell you what the exact APR that your lender will charge. Annual percentage rates can vary based on not only the information that you supply in your initial loan request, but the information that your lender supplies to you as well.

Your lender will give you all details on the annual percentage rate, cash loan finance charges and other terms once you are redirected to the loan agreement during the process of requesting a cash advance loan. If you should require help with any GreenPayday–related services, you can contact us at your convenience.

The APR associated with installment loans can generally range from 6% to 36% percent depending on how it is calculated as well as other variables including any incurred fees (nonpayment, late payment charges, etc.), the term of the loan, and loan renewal options.

Example of a Installment Loan APR Range

APR Amount Period Monthly Total Paid
6% $4,000 24 mo $177.28 $4,254.78
15% $4,000 24 mo $193.95 $4,654.72
25% $4,000 24 mo $213.49 $5,123.67
36% $4,000 24 mo $236.19 $5,668.55

Important Points to Consider

GreenPayday makes a reasonable effort to work with reputable lenders dedicated to providing potential borrowers with sufficiently detailed information concerning loan terms and conditions prior to their accepting any installment loan offer. We recommend that you closely view the terms of any loan offer you get. To get more details on these considerations you can view the Lending Policy and Rates & Fees sections of our website.

Financial Implications (Interest and Finance Charges)

If you get approved for a loan, the lender will show you the exact terms, fees and interest rate associated with the loan before you formally agree to its offer. As mentioned earlier, GreenPayday is not a lender, so it therefore is unable to tell you what the exact fees and interest rate attached to your loan offer will be. Please know that you are never under obligation to accept the loan terms that a lender offers you.

Representative Example

"If you receive a $5,000 36-month loan at an interest rate of 6.03% with a 1.11% origination fee of $55.50, you will receive a loan amount of $4,944.50 and will make 36 monthly payments of approximately $152.18 at a 6.78% APR."

"In the case of a $15,000 60-month loan at an interest rate of 7.90% with a 3.00% origination fee of $450.00, you will receive a loan amount of $14,550.00 and will make 60 monthly payments of approximately $303.43 at a 9.20% APR."

Implications Of Non-payment

Accepting the terms and conditions for a installment loan offer essentially means that you agree to repay the loan with interest in the time specified in your loan agreement. If you aren't able to repay your loan in full or should you make a late payment, it is likely that supplemental charges could apply. GreenPayday does not have the ability to predict what charges you will incur in the event of nonpayment, late payment or partial payment. In addition, we have no control or knowledge of the loan details between you and your lender.

Make it a point to closely look at the partial payment, late payment and nonpayment terms and policies that are detailed in your loan offer and documents. We make a reasonable effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair and reasonable manner.

Potential Impact To Credit Score

It is important for a borrower to understand that being late on a payment, missing a payment or rolling over a payment will all negatively impact their credit score. Your credit score is a numerical expression of your credit worthiness based on an analysis of your credit files. A credit score is primarily based on credit report information typically sourced from credit bureaus. Failing to pay on time will negatively affect this score and make it harder for you to do things like take out a credit card or get a loan. While less than perfect credit will not necessarily prevent you from being able to receive a loan, all loans are subject to credit approval. GreenPayday may do a "soft pull" of your credit information, which will not impact your credit score. Further, the lender that you are matched with may run a credit check with one or more credit agency. If you have had many credit checks in a given period of time, it is possible that this check may negatively affect your credit score.

Collection Practices

GreenPayday is not a lender and does not get involved in the process of debt collection. As part of the loan documents your lender will provide to you, you will find detailed information concerning their specific debt collection practices. If you are unsure in any way of what those collection practices entail, we suggest that you explore that issue with the lender. At GreenPayday we are proud of our policy to make a reasonable effort to work only with lenders who pursue delinquent accounts in a manner that is fair and reasonable.

Loan Renewal Policies

Prior to accepting a particular loan offer, you will be presented with various loan renewal options by your lender. Carefully look through the lender's loan renewal policy and terms before you electronically sign loan documents of any type. Be aware of the fact that state regulations determine lenders' loan renewal policies to a significant extent.

Payday loans are intended to be a short term financial instrument, and should not be used as a long-term financial solution. At GreenPayday, we always encourage borrowers to repay their loan fully and by the time it is due so they can avoid fees such as late penalties and nonpayment penalties. If you think that you may experience difficulty paying back a loan after borrowing it, GreenPayday advises you to closely examine different loan alternatives before you take the step of requesting loan assistance through us.

© 2016 GreenPayday All Rights Reserved.

Customer Notice: GreenPayday is not a lender or a broker. GreenPayday works with a network of lenders offering payday loans ranging generally from $100 to $1,000. These loans are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. You will not be charged any fees to use GreenPayday’s services.

Legal Disclaimer: GreenPayday’s Terms of Use and the GreenPayday Privacy Policy apply to the use of this website and its services. GreenPayday matches borrowers with potential lenders and thus the specific terms and conditions of the specific lender will apply to any corresponding loan a borrower takes out. Any display of APR, loan amounts, interest or other loan details are only estimations. In reality these amounts will vary by lender and by borrower. Lending decisions are based on many factors, including but not limited to credit history, employment history, and loan repayment history. Please note that some lenders may perform credit checks as part of their credit transaction approval process. You are under no obligation to use GreenPayday's service to initiate contact, or apply for credit or any loan product with any service provider or lender.

THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, they do not broker loans and they do not make any short term cash loans or make any credit decisions. GreenPayday simply helps borrowers find potential lenders for payday loans. GreenPayday aims to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.

Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.