About Us - Instant Payday NV

We are here to assist you in finding a reliable moneylender to solve your financial troubles without much hassle. Using our experience in the field, we will provide you the required guidance to apply and get a personal payday loan in less than 24 hours.

Instant Payday NV aims to allow you to face immediate and urgent financial concerns without adding too much burden in the short term.

We are not a financial institution or a company of moneylenders. We do not offer money or loans to our customers. We are a third-party service provider, a bridge, and a connecting agent between you and the moneylender. Our job is to help you find the right moneylender who will offer you a payday loan to clear the emergency requirements.

Instant Payday NV does not promise something and then run away from fulfilling it. We say we will help you get a loan; this is exactly what we will do, see that you get through our platform – all of this within less than 24 hours!

We do not need to know why you are in urgent requirement to borrow some money. We do not need to know anything that has nothing to do with the process of offering a loan. We only ask for details that are necessary to provide you with a loan. And, we keep them absolutely safe and secure. We do not share or sell your personal information to anybody.

Since we are sharing it with the moneylenders, we have a safe network transferring the details to the lender. The lender is bound by the law of the state not to share your information anywhere else. Any lender who violates the rule will be removed from our network. We take every care to protect your privacy.

Get money when you need it

There is no point in getting a loan if it doesn’t solve the current financial troubles. Getting money at the right time is more important. That is exactly the reason why we assure you money in as little time as possible. It doesn’t matter if it’s weekday or weekend. When you apply for a loan through our website, it will be credited to your account on the same day or the next working day.

Fastest service

When time is of the utmost value, we cannot afford to waste it. You will need hardly any time to apply for the loan on your website. You can fill the form and submit it when at work; when taking a coffee break; when traveling to the office or back home; or from just about anywhere. We will immediately process and forward it to a moneylender in our network. The lender will contact you with a loan proposal soon after.

No hidden charges

We do not charge you for our services. You don’t have to pay us anything to apply for a loan. Moreover, if you decide to reject a loan application, you don’t have to pay any penalty either. We understand that the terms may not be to your liking. You have the right to reject a loan proposal without worrying about any hidden charges or penalties.

Use Payday Loan Wisely

Why do you need payday loans? No one takes a loan when his income and expenditures are balanced. But what if they aren’t? What if they come to face an unexpected, sudden emergency that cannot be solved without getting extra money from elsewhere? When there is no other option, and you cannot rely on friends or family to bail you every time, you will have to take a payday loan to cover the expenses.

But that said, some tend to opt for a payday loan when they do not really need it. Such loans should be used only as a last resort. You cannot be careless with short-term payday loans as these have a higher interest rate in comparison to traditional bank loans. These are not similar to credit card payments either.

In case you roll over a payday loan, then interest may change and you have to pay more by way of interest while still needing to settle the principal amount. So be very selective or careful in opting for a payday loan and use the amount wisely.

Bridge the Gap- Meet the Expenses

Instant Payday NV connects you with a lender in our large database. Our reliable network of trust lenders who have enough experience for the task at hand ensures that a loan more suited to your needs, rather than a random payday loan, is being arranged.

We will help you meet your unforeseen expenditures so you do not have to stretch beyond financial limits and burden yourself. We do all of this free of cost. You don’t need to pay anything or any fees to us. The choice is whether you accept or reject the loan. You don’t have to spend even a single penny to get a loan.

Instant Payday NV- Reliable Online Platform

Our process is transparent, simple, and easy to use. Whether it is a personal loan or a payday loan, you can get both through our website. We professionals track the process to ensure that lending practices are done correctly. We do not want anyone to take advantage of your urgent monetary requirement.

That amount will directly be credited to your bank account. You are not required to visit our office or personally meet the moneylender to obtain the money. We shall notify you when the amount has been credited, and thus you can use the money immediately. Lenders under our service program are rather lenient about credit ratings, either.

Don’t Wait When You Need Money

There is absolutely no reason for you to wait or worry when you need money urgently. Just log on to our website and submit an application for a loan. Tide over the trouble with ease.

All of this being so, it is still very important to have a financial discipline. Even a payday loan has to be repaired and attract interest. This cautiousness and care will help in the proper management of finances.

Disclaimer

Short term loans are emergency credit loans that have been designed for short term financial issues. The loan amount is small and limited to a fixed upper limit. The loans are exclusively created for the short term and will become expensive burdens when extended and used for long-term purposes.

The operators of Instant Payday NV are not lenders. We are neither a bank nor a financial institution. We are not involved in the process of making credit-based decisions related to lending, offering loans, or collecting repayment.

The website has been created to act as a bridge, a connecting agent between the applicants and the moneylenders. We do not charge any fee to process the loan application or help our customers find a reliable match for a loan from a third-party lender. We do not oblige any user/ customer to contact the lender or to accept a loan application.

The data present on the website related to short-term loans and the industry practices are for information purposes only. Instant Payday NV does not collect, store, or access the details related to fees and charges levied by the lenders. We do not endorse any of the lenders in the network.

Short-term loans are not available in all states. Not every lender in the network can offer a loan of up to $1000. We cannot guarantee that the loan application will be approved by a lender. Instant Payday NV also cannot guarantee that every application will be successfully matched with a lender or that the lender will provide the applicant the loan amount.

The lenders might perform a credit check through one or more credit bureaus (which include but are not limited to the major credit bureaus) to determine the reliability of the applicant. The lender will also need to perform other verifications such as confirming the social security number, national ID, driving license number, or any other identification documents submitted by the applicant.

The terms of the loan proposal depend on the lender and various factors such as the federal laws and state laws, or industry regulations. The terms and conditions of the loan proposal will vary from lender to lender and from one application to another.

APR Representation

APR (Annual Percentage Rate) is the interest rate calculated per annum for the loan. Instant Payday NV is not a lender. We do not have the required information pertaining to the rules, regulations, and terms used to calculate APR by individual lenders. APR calculations vary from one lender to another, one state to another. They also depend on various factors that decide the APR of a loan. The credit rating of the applicant can be one of the reasons.

Any other additional charges including but not limited to the origination fee, late payment fee, non-payment penalties, or non-financial that include debit collecting actions, late payment reporting, etc. come under the responsibility of the lender.

Instant Payday NV has nothing to do with the payments charged by the lenders or the action taken by them. We do not maintain any information regarding the same. The charges and actions are to be fully

disclosed by the lender as a part of the loan agreement. The calculation of APR is the annual rate and not the financial charge of the product.

Implications of Late Payment

We highly recommend our customers to contact the lenders to enquire about the possibilities of late payment. In the case where late payment is considered possible, the late payment fee is applicable and implied. The laws of the state and the federal govern the cases of late payment fees and vary vastly. All details related to the procedures and costs associated with late payment are disclosed in the loan agreement. Customers should carefully review the terms before signing the contract.

Implications of Non Payment

In case of nonpayment of the loan, both financial and nonfinancial penalties may be implied. The charges for nonpayment and late payment are disclosed in the loan agreement. Additional actions related to nonpayment’s such as renewals or extensions can be implied upon given consent. The terms of renewal are disclosed in the individual loan application. Additional renewal charges may also apply.

Lenders may perform debt collection practices. The practices are adjusted as per the Fair Debt Collection Practices Act and any other federal or state laws related to the industry to ensure that the customer or the loan applicant does not end up being a victim of unfair trade practices. Most of the lenders do not use outside debt-collecting agencies to recover the loans. They use in-house methods to collect the debt from the applicants.

Late payment and nonpayment of the loan might have a negative effect on the credit rating and further decrease the rating. This may cause them trouble over time. Lenders may report to credit bureaus such as Experian, Equifax, Transunion, etc. In such instances, the late payments and nonpayment’s may be recorded and remain in the records for a certain period.