Important disclosure. PaydayMetro is not a lender, does not broker loans, and does not make credit decisions. This website provides a free service that attempts to connect the loan request you submit with independent lenders and lending partners who may offer you a loan. Submitting a request is not an application for credit with PaydayMetro and does not guarantee that you will be connected with a lender, be offered a loan, or receive any particular loan amount, rate, or terms. Lenders may verify your information and may perform credit checks through traditional or alternative credit bureaus, which can affect your credit score. Loan amounts, transfer times, repayment terms, and costs vary by lender and by state, and short-term loans are a form of high-cost credit. Not available in all states. This service earns revenue from participating lenders and lending partners when a request is delivered.
Cost of loans. Representative example: a 14-day payday loan of $300 with a $45 fee ($15 per $100 borrowed) has an APR of approximately 391%. APRs on short-term loans are high because the fee is charged over a short period; your actual cost depends on your lender, loan amount, term, and state law. Installment loan APRs commonly range from around 36% to 400% or more depending on the lender and state. You will see the exact terms, fees, and APR in the lender's loan agreement before you sign — review it carefully and only sign if you can repay on time.
Loan availability depends on where you live — see payday loan laws by state. If you are struggling with debt, free help is available from nonprofit credit counselors and local assistance programs.
© 2026 PaydayMetro. All rights reserved. · Privacy · Terms · Data Deletion