Rates & Fees

LoanGate.org’s service is always free. The rates and fees applicable to your loan will be set by your lender. LoanGate.org is not a lender and does not provide lending services directly to consumers. LoanGate.org uses the information you submit to quickly and conveniently connect you with a lender.

Full Disclosure of Terms

The Truth in Lending Act requires full disclosure of all loan fees and interest rates. Your lender should disclose all fees and rates to you before you accept your loan. If you accept the loan terms, most lenders will direct you to an e-signature page to complete the loan process. Please take the time to read your loan agreement before signing it.

Late Payment Policy

Lenders may have different policies regarding late payments. Review the late payment policy detailed in your loan agreement before signing. All lenders must abide by applicable laws, rules, and regulations regarding late payment fees. Select your state from the list below to review the laws and regulations governing late payments by a particular state.

Non-payment Policy

Additional fees or charges may apply in the event that you are unable to repay your loan. LoanGate.org tries to work with reputable lenders dedicated to using lawful, fair and reasonable means to pursue collections of overdue accounts. Find your state in the list down below to review the legal repercussions applicable to you in the case of non-payment.

Loan Renewal Policy

Loan renewal policies are largely governed by state law. In states where rollovers are allowed, additional interest and late fees can add substantial to your final loan amount, so these should be avoided whenever possible. Find your state’s laws and regulations governing rollovers and extensions from the list below. Read the lender’s terms in considering renewal options before signing the loan agreement.

How to Get a Loan?
Online payday loans can be the right solution to your short-term financial troubles because they are easily obtained and easily repaid, and the costs associated with them are highly comparable to other forms of credit as long as they are repaid on time. Bad credit or no credit are also welcomed to try to get matched with a lender.
Fill Out Online Form
Getting a short term loan starts with submitting the quick online form that we have provided. We will only ask you for the information we need to match you with a lender. We also protect your information with 256-bit secure SSL encryption technology so you can rest assured we are concerned about your privacy.
Get Results Fast
After your information has been submitted, you can receive an offer from one of the lenders in our network. Please take the time to review the offer carefully — including all of the costs and terms — before making your final decision.
Complete Your Request
After you have made your decision, you will need to provide your electronic signature which will enter you into a contract with your lender. Then that lender can deposit the offered funds into your bank account in as soon as the following business day.
Do I Qualify for a Loan?
You must be at least 18 years old
You must live and work legally within the US
You must be employed with the same employer for at least 90 days consecutively
You must have a valid email address and working telephone number
You must have a bank account in your name