How it works

ThinkPayday.com is not a lender and therefore does not make short term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third party lenders.

ThinkPayday.com is not a lender and therefore does not make short term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third-party lenders.

You register online from your home computer or any mobile device. Because the process occurs in real time, it's very fast. If you are connected with a lender you will receive an offer from that lender with the terms and conditions of the loan. If you agree to the terms (and you may decline them), the money could be available for your use as soon as the next business day.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

18 years of age or older
Valid checking or savings account with direct deposit
Minimum regular income of $1,000 per month
Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is) serving on active duty under a call or order that does not specify a period of 30 days or fewer.

Please see our FAQs for more information about the process.

FAQ’s

What is a payday loan?

It's a small (usually under $1,000), short-term, no-collateral, cash advance. It is backed by future income. This may be your next paycheck, a dividend or other type of regular income. The term of the loan is usually 30 days or less. Payday loans are meant for emergencies. If you find...

What is an installment loan?

This is a small (usually under $5,000), short-term, no-collateral, cash advance. It is backed by future income. This may be your next paycheck, a dividend or other type of regular income. It is paid back in a set number of scheduled payments. Use installment loans responsibly.

What is a personal loan?

This is a no-collateral loan for up to $35,000, similar to a line of credit. It is backed by future income. This may be your next paycheck, a dividend or other type of regular income. The term of the loan is typically longer than an installment or payday loan...

How does ThinkPayday.com work?

ThinkPayday.com is not a lender and does not make credit decisions. ThinkPayday.com is a loan connecting service. We connect consumers who are looking for financial assistance with independent, third party lenders who may be able to provide...

Does ThinkPayday.com charge a fee to connect consumers with independent, third party lenders?

Registering with ThinkPayday.com is free to you, the consumer. We are paid by independent, third party lenders for potential customer referrals. Each third party lender...

How much can I borrow?

Payday loans are usually between $100 and $1,000. Installment loans range between $100 and $5,000 and Personal loans are usually between $500 and $35,000. You will make a request for a loan amount. If you receive a loan offer, it may not match the amount you requested. Loan...

If approved for a payday loan by an independent third party lender, how quickly could I receive it?

The transfer to your bank account could happen as early as the next business day. Times will vary depending upon your lender and your financial institution. If you have additional...

What are the minimum requirements to apply for a loan?

Individual, third party lenders have different minimum requirements, but the following constitute typical minimum requirements:
- Be at least 18 years of age or older
- Have a checking or...

What information do I have to share in order to register with ThinkPayday.com?

You will be asked to provide banking, employment and some personal information. This information includes, but is not limited to your name, address, telephone number, place of employment and/or source of regular income...

Is the information I provide secure?

ThinkPayday.com employs a number of state of the art security measures are designed to keep your information secure. All sensitive data transmitted between your browser and ThinkPayday.com uses 128 bit Secure Socket Layer (SSL) encryption technology. Your use of our services is...

How long does a loan transaction take?

From the time you register with ThinkPayday.com (and are made an offer by an independent, third party lender) the process can be as fast as one business day. A number of factors impact this, including the time of day you apply, the accuracy of your registration, the lender and your financial...

When must I repay my loan?

ThinkPayday.com is not a lender. Each independent, third party lender has their own terms and conditions, including those concerning repayment. You should contact your lender for information about the date and time for repayment as specified in your loan agreement.

Will independent, third party lenders perform a credit check and what are the credit implications?

Many will do so. They may check to verify the accuracy of the information you have provided and/or to review your information to see how it compares to the records of national databases...

Will my loan be automatically renewed?

The answer to this question depends upon the state you live in and the lender. Each lender has its own renewal policies, as well as each state having their own laws regarding automatic renewal of payday loans. Be sure to ask your lender if your loan will automatically renew...

What are the implications of late payments and non-payment?

This varies by lender, so check with your lender before agreeing to the loan offer. Many consumers get in trouble by not being aware of the penalties of late or non-payments. Be fully aware of the consequences of not paying the loan in...

Is approval guaranteed?

There is no guarantee that you will be approved by one of our participating lenders.

What if I am unable to repay my loan according to its terms?

Typical penalties for lack of repayment may include:
- Addition of late fees
- Your account being forwarded to a collection agency
- Report your lack of payment to a consumer credit agency...

Material disclosure

APR Disclosure. Some states have laws limiting the APR that a lender can charge you. APRs range from 200% to 1386%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000. Not all lenders can provide up to $1,000 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. 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. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to utilize this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you may be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.