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Rates and Fees

1ClickPaydayLoan.com 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 matched with the users of the website. However, 1ClickPaydayLoan.com is 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 http://www.paydayloaninfo.org/state-information and this resource to get all the necessary information regarding the regulations in your state. Please check back before applying, 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.

One Click Payday Loans Online!


- Fast processing times, instant fund transfer (CHAPS)
- 24 hours a day , 7 days per week online
- No faxes*, no queues, no long wait times
- Information encryption, safe and secure DATA
- Only direct lenders (low interest rates)
- NO hidden fees; BAD credit OK !


When you need cash now, but payday is still too far away, one click payday loan can be the answer to your problems.

We are not a payday advance lender. Simply fill out the short (3-min) application form and we will identify direct lenders that can provide you with a short term cash loan up to 1000 dollar. We will attempt to match you with a lender most likely to provide you the money you need.

If you are matched with a lender, the lender will contact you to complete the process, review the terms of your loan and discuss repayment adn extension options. The money will be deposited directly into your bank account in 24 hours or faster. When the loan is due, your cash advance fees are automatically deducted from you bank account by the direct lender.

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