Urgent Lend
Urgent Lend

Rates & Fees

This service is not a lender and never makes credit decisions. For this reason, the service cannot provide the users of the website with any information regarding the rates and fees associated with particular short-term loan products and the offers, provided by the lenders connected with the users of the website. However, we are striving hard to ensure that the lenders in our network strictly adhere to all applicable international, federal, state and local regulations and laws and able to provide fair credit practices within the industry.

Short-term loans should be used as a temporary financial instrument and can become very expensive in case this financial product is used for additional terms. Usually, this credit is associated with relatively high financial charges, rates and fees. For this reason, the industry is heavily regulated on federal, state and local levels. Moreover, the number or organizations, either governmental or non-governmental, which provide control over the agents in this industry and establish the best practices and regulative procedures, steadily grow and develop.

We provide the users of the website with multiple resources and educational material, which can help study the industry and understand their options better to get positive credit experience. Thus, we recommend using the websites of Federal Trade Commission and the Consumer Financial Protection Bureau, two government agencies responsible for creating and enforcing the laws and acts that govern short-term lending and protect consumers from the cases of unfair lending practices and discrimination.

In order to protect consumers from unfair lending practices, many states have implemented their own regulations in addition to federal laws. Individual states may govern the terms including but not limited to the maximum allowable loan amount, the charges that lenders are able to apply to loans, the number of rollovers (renewals) and term specifications that are available, the late fees that may be applied and the number of outstanding loans that consumer can have at a time. Follow the link to this official website and this resource to get all the necessary information regarding the regulations in your state. Please check back before requesting a loan, as these regulations are subject to changes at any time.

The states in which short-term cash loans are prohibited include but not limit to Arkansas, New York, Vermont and West Virginia. This list is not exhaustive and subject to changes at any time without prior notice. Please, check the official websites listed above to follow the changes in state regulations regarding short-term lending.

Disclaimer: This service is not a lender and therefore cannot determine whether or not you are ultimately approved for a personal loan, nor can we determine the amount of credit you may be offered. Instead, we facilitate business relationships between consumers like you and the lenders in our network. Our purpose and goal is to connect you with one or more lenders from within our network who can provide you with the cash you need. We will never act as an agent or representative for any of our lenders, so you can rest comfortably in the knowledge that you will receive fair and competitive offers.

In order to request a personal loan through this website, you should first fill out our short, easy and secure online form. Once you click to submit it, this information will be forwarded throughout our network of lenders who will review your details and determine whether or not they can offer you a credit. Since each lender is different and we have no say in the rates and fees you are charged for a loan, we urge you to take the time to review the details of each offer you receive very carefully before you accept or decline it. Once you have found a loan offer that works for you, you will be asked to provide your electronic signature; this binds you into a contract with the lender which means that you are legally obligated to adhere to the terms in the loan agreement. You are never under any obligation to accept an offer from any lender and you may cancel the process at any time without penalty. We will not be held accountable for any charges or terms presented to you by any lender and we are not responsible for any business agreement between you and any lender.

We can not guarantee that completing an online form will result in your being connected with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or on the desirable terms, or receiving any approval from a lender in the first place. Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Cash transfer times and terms may vary from lender to lender. Not all the lenders in our network can provide up to $3,000. The limits and regulations vary from state to state.

To help government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify a customer's identity, Lenders may obtain, verify, and record information that identifies the customer.