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Credit Score Impacts: Short term, payday loan lenders may rely on a credit reporting agency, and are not limited to any of the three (3) major rating agencies Equifax, Experian, or Transunion. Generally, the borrower doesn t have to bear concern that their score may be affected by having the loan request determined by results from these agencies, however, such determination is solely in the discretion of the payday loan lender(s), which may result in the lender(s) submitting, among other things, the borrower s request for the loan, or the subsequent payment(s) under the loan to any of these agencies. Short term lenders may also rely on their own scoring criteria, which is generally based on income and ability to repay, as well as the borrower s payment history of any previous payday loans that have been made with the lender in question, or with other payday lenders.

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Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history. ipad dell printer

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