Last updated: January 1, 2026. Payday Cash Match is not a lender and does not set rates, fees, or terms. The information below is provided for general educational purposes only.
How Loan Costs Are Determined
The rates and fees for a short-term loan are set entirely by the individual lender you are matched with, and can vary based on the loan amount, repayment term, your state of residence, and the lender's own underwriting criteria. Before agreeing to any loan, your lender is required to disclose the Annual Percentage Rate (APR), total finance charge, and repayment schedule in writing.
Representative APR Example
The example below illustrates how a typical short-term loan might be structured. It is for illustration only and does not represent an offer of credit.
| Loan amount | $300 |
| Loan term | 14 days |
| Finance charge | $45 |
| Total repayment amount | $345 |
| Representative APR | ≈ 391% |
Factors That Affect Your Rate
- Loan amount and repayment term selected
- Your state of residence and applicable state lending laws
- The specific lender's underwriting criteria and risk assessment
- Your income, employment status, and credit history, where applicable
Late Payments & Non-Payment
If you are unable to repay your loan on time, contact your lender directly. Late or missed payments may result in additional fees, continued interest accrual, negative reporting to credit bureaus, or collection activity, depending on the lender's policies and your loan agreement.
Questions About a Specific Offer
If you have questions about the rates or fees associated with a specific loan offer, contact the lender directly using the information provided in your loan agreement, or reach out to us at [email protected] for general assistance.