Rates and Fees

Payday Say is not a lender or a loan broker. We do not make loan decisions. The website represents the app that connects consumers who are looking for payday loans or small installment loans to lenders who may be able to help by offering a loan to qualified consumers.

Being connected with the lender you will get an offer that will include the loan amount, the fees and APR, as well as the terms of repayment. Please make yourself aware of all terms of the loan, including the consequences if you do not make the payment on time.

You are under no obligation to accept the terms of the loan if you do not wish to. You are only obligated once you have electronically "signed" for the loan.

Your repayment will be automatically deducted from your bank account on the pre-scheduled due date. If you do not repay the loan in full, including all fees and interest charges, there are consequences of which you should be aware before agreeing to the loan. If repayment will be a problem, do not accept the loan.

All questions regarding repayment and its consequences should be directed to your lender.

If you do not repay the loan, including fees, on time, typical actions taken by lenders include turning your account over to a collection agency, reporting to a credit score agency, an offer to renew, which will add additional fees and charges to your account balance, and/or legal action.

Late Payments of loans may result in additional fees or collection activities, or both. Each lender has specific terms and conditions, please review the policies for further information. Nonpayment of credit could result in collection activities.

Contact your lender with any questions or problems with your loan.

Payday Say does not charge consumers, the website use is totally free!