We, at Payday Loans R US are committed to responsible lending practices. We do not target our marketing campaigns at people who already have severe credit difficulties, who are vunerable, distressed or who had problems repaying credit commitments in the recent past. Applicants with adverse credit history are still welcomed to apply for payday loans, however we cannot guarantee that every application will be approved.

The service we offer, and it’s limitations, are clearly explained in the Terms and Conditions. We make it clear that we are not a lender, but only an affiliate and the only thing we do is to match prospective borrowers with a panel of lenders and financial providers we work with. We aim to use plain English instead of hiding behind legal terms and complicated jargon. As an affiliate, we do not charge any fees from our clients (although some other lenders or financial providers do). Instead, we receive commission for every referral we make. We do not participate in the decision making, therefore we cannot guarantee that every application will be successful. We do not handle money transfers, we do not collect payments, we do not chase outstanding debts – our role is only to generate leads for our finance partners. Once you complete our application, you leave our website – therefore if you have any questions or comments please contact the lender or financial provider which approved your loan.

We also ask our applicants to think carefully before using payday loans as a long term financial solution to their money problems. Payday loans are designed to solve short term cash-flow problems and if you need to borrow more and more money every month to make ends meet, you should seek professional advice. Please remember that payday loans should be settled on or around your next monthly payday (hence the name – payday loans) therefore it is very important to make sure that you don’t rely on payday loans for more than a month at a time. If you need to borrow money for more than a month, you should consider other financial products, as payday loans may not be the best option.

The service we provide is on non-advised basis. We cannot give you any recommendations regarding payday loans or a particular lender or a broker we work with. We merely match prospective payday loan applicants with over 20 payday loan lenders and brokers we work with. We encourage every applicant to read and understand the terms and conditions of every loan product they sign up for, paying attention to fees, interest, term of the loan and other conditions.

Finally, we ask that you only borrow what you can comfortably repay within a month. Although some lenders may allow to carry payday loans over for more than one month, interest is payable every month to avoid compounding. Please remember that payday loan lenders will actively pursue outstanding debts. Missing your payments may mean additional penalty fees or legal costs. It may also make access to credit in the future very difficult or impossible.

Please remember, if you struggle to get your finances back on track getting another loan (be it a payday loan, a personal loan or maxing out your credit card) is usually not the best option. For more help and advice, contact an independent financial adviser or Citizens Advice Bureau.