Please review these Terms of Service prior to utilizing the financial calculators, APR comparison charts, and loan connection services on https://yournextpayday.net.
1. Loan Matching Network & Not a Direct Lender Notice
Your Next Payday is a free financial comparison and matching service. We are not a direct lender, do not broker loans, and do not make credit or underwriting decisions. Loan terms, APRs, and fees are established independently by participating licensed lenders.
2. Truth in Lending Act (TILA) & APR Disclosures
Short-term loans are designed for immediate cash flow bridging and carry higher annual percentage rates (APRs) than traditional multi-year bank loans. All matched lenders are required by federal law to provide full TILA disclosures detailing the finance charge, APR, and repayment schedule prior to contract execution.
3. Non-Discrimination & Equal Credit Opportunity (ECOA)
Our matching algorithms operate in strict compliance with the Equal Credit Opportunity Act, evaluating applicants solely on verifiable income and state-specific lender availability.