Is Paybridgely a lender?
No. Paybridgely is a free loan-request service. We pass your request to participating lenders and lending networks. The lender, not Paybridgely, decides whether to make an offer and sets the APR, fees and terms.
How much can I request?
You can request from $100 to $5,000. Not every lender offers every amount, and the amount you are offered may be lower than what you requested.
Does it cost anything to use Paybridgely?
No. Our service is free to you. We may be paid by a partner when we refer your request. You only pay the lender, and only if you accept a loan.
Will submitting a request affect my credit score?
Lenders may check your credit with one or more credit bureaus, and some lenders run a hard inquiry, which can affect your score. Check each lender's terms before you accept an offer.
How fast can I get the money?
It depends on the lender and your bank. Some lenders fund as soon as the next business day after approval and verification, but no funding time is guaranteed.
What does a short-term loan really cost?
Costs vary widely. A $300 single-payment loan with a $15 fee per $100 due in 14 days costs $45, which equals an APR of about 391%. Always compare the APR and the total amount you will repay, not just the payment.
What should I do if I cannot repay on time?
Contact your lender before the due date and ask about a payment plan. Avoid rolling a loan over repeatedly, because fees add up quickly. A nonprofit credit counselor can also help you plan.
Is Paybridgely available in my state?
Availability depends on whether a participating lender serves your state. Some states restrict or prohibit certain short-term loans, and residents of those states may not receive offers.
Are there alternatives to a short-term loan?
Often, yes. Ask your utility or landlord for a payment plan, check whether your employer offers a paycheck advance, ask a credit union about a small-dollar loan, or contact a local assistance program. See our rates and fees page for more.