Fees

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We offer Competitive Interest Rates with the Best Customer Service

The loan fee is proportional to the loan amount – a small fee for a small loan and a large fee for a large loan. We charge a nominal fee of $30 on a loan amount of every $100 borrowed. We prefer one-time payments to monthly payments with accrued interest. There are no hidden costs. We practice transparency and open-door lending.

Depending on your loan term, the Annual Percentage Rate (APR) for our loans ranges from 365.00% to 1564.28%. For a better and clear understanding of our APR, please refer to the table below. Check out our few testimonials here

Annual Percentage Rate (A.P.R.)

Term(days)
Loan Amount
 
$200.00
$300.00
$400.00
$500.00
 
Fee
A.P.R.
Fee
A.P.R.
Fee
A.P.R.
Fee
A.P.R.
7 $60

1564.28%

$90

1564.28%

$120 1564.28% $150 1564.28%
8 $60

1368.75%

$90

1368.75%

$120 1368.75% $150 1368.75%
9 $60

1216.67%

$90

1216.67%

$120 1216.67% $150 1216.67%
10 $60

1095.00%

$90

1095.00%

$120 1095.00% $150 1095.00%
11 $60

995.45%

$90

995.45%

$120 995.45% $150 995.45%
12 $60

912.50%

$90

912.50%

$120 912.50% $150 912.50%
13 $60

842.31%

$90

842.31%

$120 842.31% $150 842.31%
14 $60

782.14%

$90

782.14%

$120 782.14% $150 782.14%
15 $60

730.00%

$90

730.00%

$120 730.00% $150 730.00%
16 $60

684.38%

$90

684.38%

$120 684.38% $150 684.38%
17 $60

644.12%

$90

644.12%

$120 644.12% $150 644.12%
18 $60

608.33%

$90

608.33%

$120 608.33% $150 608.33%
19 $60

576.31%

$90

576.31%

$120 576.31% $150 576.31%
20 $60

547.50%

$90 547.50% $120 547.50% $150 547.50%
21 $60

521.43%

$90 521.43% $120 521.43% $150 521.43%
22 $60

497.72%

$90 497.72% $120 497.72% $150 497.72%
23 $60

476.08%

$90 476.08% $120 476.08% $150 476.08%
24 $60

456.25%

$90 456.25% $120 456.25% $150 456.25%
25 $60

438.00%

$90 456.25% $120 456.25% $150 456.25%
26 $60

421.12%

$90 421.12% $120 421.12% $150 421.12%
27 $60

405.56%

$90 405.56% $120 405.56% $150 405.56%
28 $60

391.07%

$90 391.07% $120 391.07% $150 391.07%
29 $60

377.58%

$90 377.58% $120 377.58% $150 377.58%
30 $60

365.00%

$90 365.00% $120 365.00% $150 365.00%

Why wait for a next payday? CentralPayday gives you instant access to money. Apply for online payday loans from direct lenders only with no credit check and meet your unexpected financial needs easily.

Testimonials

Consumer Information

*THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders, and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. Providing your information on this Website does not guarantee that you will be approved for a cash advance. The operator of this Website is not an agent, representative, or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $1,000. Cash transfer times may vary between lenders and may depend on your financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions, or concerns regarding your cash advance, please contact your lender directly.

Terms such as “guaranteed approval”, “same day loans”, “instant approval”, “bad credit ok”, “one hour deposit”, “instant deposit”, “no credit check”, “second chance loans” etc. are only indicative. Certain conditions, federal or state laws, and safety considerations may require the loan approval and/or disbursal process to deviate from what such terms may imply. All loan products are subject to various terms and conditions and parts of the lending process may be subject to system limitations and third-party verifications which can cause time delays and loan rejections. Some restrictions may apply.

CentralPayday is not a lender and does not make any lending or credit decisions. Loans up to $5,000 are available from our connected direct lenders. However, not all lenders can provide you with that amount. Not all states are eligible for our service. Receiving a loan offer is not guaranteed if you submit a loan request through Central Payday.

Short-term loans and cash advances are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a cash advance based upon lender requirements. This service is not available in New York or to New York borrowers due to interest rate limits under New York law.