Rates & Fees

As a reputable provider, Instant Payday Lenders ensures that their service remains free of charge. The terms and fees associated with your loan are determined by the lender. It's important to note that Instant does not directly offer lending services to consumers; rather, it utilizes the information provided to efficiently connect individuals with suitable lenders.

Transparent Terms Disclosure

In adherence to the Truth in Lending Act, complete disclosure of all loan charges and interest rates is mandatory. Prior to accepting your loan, your lender is obligated to present you with a comprehensive breakdown of all associated fees and rates. Upon acceptance, most lenders will guide you to an e-signature platform to finalize the process. It is advisable to thoroughly review your loan agreement before proceeding with acceptance and signature.

Policy on Late Payments

Lenders may have varying policies regarding late payments. It is crucial to carefully review the late payment policy outlined in your loan agreement prior to signing. All lenders are required to comply with relevant laws, regulations, and rules concerning late payment penalties. You can refer to the list below to access information on the laws and regulations governing late payments specific to your state.

Non-payment Protocol

In cases where repayment becomes challenging, additional fees or charges may be incurred. Instant strives to collaborate with reputable lenders committed to employing lawful and equitable methods in pursuing overdue accounts. Refer to the list below to ascertain the legal implications applicable to you in the event of non-payment.

Loan Renewal Guidelines

Loan renewal policies are predominantly governed by state legislation. In states permitting rollovers, the accrual of additional interest and late fees can significantly inflate the total loan amount; therefore, it is advisable to avoid such instances whenever feasible. Familiarize yourself with your state's laws and regulations pertaining to rollovers and extensions by consulting the list provided below. It is recommended to carefully review the terms provided by the lender when considering renewal options before committing to the loan agreement.

Please be aware that the information provided is for informational purposes only and should not be construed as legal advice. It may not always be accurate or up-to-date. Should you have specific inquiries regarding the laws or regulations applicable to you, it is recommended to consult your lender directly or seek guidance from a legal professional. Additionally, some states may lack statutory provisions pertaining to payday loan lending.