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About Us, How This Site Works, And Terms of Service


Welcome! We’re here to help get you the loans you need! Instant-loans connects visitors with loans and information that they need. We are continually adding more content and features to this site with smart loans advice and tips for dealing with banks and other lenders. We always want to know how we’re doing with our site, so feel free to drop a quick note on the Apply for a LOAN Online page of our site!

How This Site Works

fill out our application form

Fill out the short form on our site. Based on your choices we’ll connect you to an affiliate where you can submit an application for a loan. You could consider this a “matching service”. Our short form does not save or store any information you enter. When submitting your loan application, your application information gets sent directly to our affiliate, and NO application information is collected by See our privacy policy for more details.

see the best rates and terms

Once you’ve filled out the application form, you’ll be matched with a choice of lenders. The lender we match you with depends on your personal financial criteria. You’ll be able to see the best rates and terms available to you, and determine whether to accept and decline those rates and loans.

Realize that a lender may contact you regarding your application.

funds as fast as one hour

After seeing the loans available to you from lenders, and provided you accept the loan terms and fees displayed, funds will be deposited to your account as fast as one hour after verification/authorization.

Loan Rates and Fees

It is important to understand that payday loans, short term loans, and other cash advances are an extremely expensive form of lending. Only take out a loan if you 1) are sure you can pay it back, 2) understand the costs and risks of these loans, and 3) are entirely sure you need the money and have exhausted all other options. You may want to read our articles on how a payday loan works, as well as facts and information about payday loans.

The rates and fees of your loan will vary depending on your personal criteria. Lenders determine APRs and fees depending on your personal eligibility. You will not be issued a loan unless you agree to the fees disclosed upon completion of your application. Fees are typically set at a fixed rate per $100 borrowed; for example, a $25 per $100  borrowed would equal a $250 total repayment amount on a $200 loan. This is equal to a 300% APR. $50 per $100 borrowed would be equal to a 600% APR, and so on.

Terms of Service

By reading this Terms of Service and using this Website, you acknowledge that is not a lender and does not make cash advances or credit decisions. This site will match you with a cash advance lender based on your application. The operator of this Website is not an agent or representative of any service provider and does not endorse any service or product.

Residents of Georgia, Ohio, Pennsylvania, North Dakota, Virginia & West Virginia are not eligible for a payday loan. generates leads and traffic for other companies, and is an affiliate of other websites and/or lenders. We may collect a referral fee for any leads or traffic directed to these websites.

Finally, be sure to check out our privacy policy.