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Low Fee Payday Loans

As the name says, Low Fee Payday Loans are ones which charge lower fees than the average Payday Loan services. Some companies may have somewhat stricter requirements than other Payday lenders, such as Bad Credit or No Credit Check Payday Loans, but this does not have to be the case for all Low Fee Payday lenders.

If you are looking for a lower fee loan than a Payday Loan, which can have APRs are high as 782.14%, we recommend getting a credit card, debt counseling, debt consolidation loan, or getting a personal loan from a bank. Personal loans, even with bad credit, will only carry an APR of around 26-30% with the lenders which whom we work.

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Low Fee Payday Loan Amounts

Low Fee Payday Loans vary from $100 to $1,000. Some lenders might even lend out larger sums of money. Most customers borrow in the range of $200 to $500. The amount you are able to borrow will depend upon many factors, including length of employment and how soon you are able to pay back the loan.

How soon can I expect to get the money in my checking account?

It can take anywhere from 1 to 5 business days for the money to be on your account. If time is an issue, once you fill out our Payday Loan application, call them and let them know you need the money faster. This of course will carry an additional fee for same day deposit.

Do Low Fee Payday lenders run credit checks?

Some Low Fee Payday lenders might choose to run a credit check, but most actually do not. If the company refuses your application because of bad credit, we recommend you use a Bad Credit Payday lender, or get a bad credit personal loan.

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What is the time frame for paying off a Low Fee Payday Loan?

Payday Loans are initially subjected to a 14 day payback time. However, most lenders will agree to extend the loan for a new fee. A number of companies might even automatically renew your loan and deduct the financial fee only. At the end of every period a new fee will be taken from your account until you take action to repay the original loan.

Can anyone use Low Fee Payday Loans?

Yes, normally the only requirements for qualifying for a Low Fee Payday Loan are: United States citizenship, 18 years of age or above, a steady monthly income of at least $1000, and a checking account.

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Low Fee Payday Loan Interest Rates

Payday Loans charge a finance fee instead of an interest rate. The fees vary from $10 to $30 per $100 borrowed and are usually renewed every 14 days. Low Fee Payday Loans have fees in the lower range. Some companies extend this offer to first time customers for the first loan period, but increase fees to extending loans. If the fee is $30 per $100 borrowed, that equals an APR of 782.14%.

Low Fee Payday Loan Restrictions

There are no restrictions on what you use a Low Fee Payday Loan. We recommend that you use Low Fee Payday Loans in emergency situations, as there are a multiple of other alternatives that will save you money in the long run.

Multiple Low Fee Payday Loans

Policies vary from company to company. Some might consider expanding your current loan to a larger sum for a fee, while others never consider new loans until the original one is paid back. The lenders with whom we work will generally not let you take out more than one loan at a time.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.


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