FAQ

Browse the list of most frequently asked questions below and find the answer you need.

What is this website and how can I use it?

We are a totally free website where you can submit a loan request online and receive a decision in quick time. That’s right: you don’t have to pay us anything. And you don’t have to go anywhere or to stand in a long waiting line.

How can I submit my request with you?

We prepared a very simple form for you to fill in. When you’re done with it, just press one button to submit your request and wait a bit. Your request will be processed and answered soon.

What are the requirements for using your website?

We have a very short list of requirements here.

You can be eligible if you:

Legally reside in the United States;

Are 18 years old or older?

Have a stable source of income.

If you want to get more info about our website, visit the section for Terms of Use.

And what about my credit score?

Every credit score is welcome here. We are going to be straightforward with you: it’s really easier to get a deal when your score is OK. But having a less-than-perfect one doesn’t prevent you from submitting a request. Try it out and see where it goes!

But if I don’t like the terms of my offer, what can I do?

If you received an offer that doesn’t satisfy you, you can always refuse to proceed. You are under no obligation to agree to it and proceed with this deal. There are no fines and penalties if you refuse to go on with this offer.

Is my information safe with you?

We are very serious about our reputation. We’ve implemented advanced safety measures and keep your personal details away from prying eyes. If you want to get more coverage on our data management, visit the section for Privacy Policy.

What is a payday loan?

It’s a credit product that allows you to borrow a large lump sum of money and repay it over a certain period. It typically comes with a fixed interest rate and is supposed to be repaid in fixed installments each month.

LoansLucre.com was created to help consumers access money without hassle and wasted time.

We look forward to helping you with your personal lending needs.

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IMPORTANT: The Operator of this website is not a lender, financial institution, loan broker or an agent of a lender or loan broker and does not make any credit decisions. You may not qualify with any lender for any loan amount, or you may qualify with a lender for an amount that is much lower than what you are seeking. This service, which connects consumers with eligible third party lenders, is free to consumers. This service does, however, receive payment from lenders for referring lead data to them. Although multiple factors dictate the order in which lenders have the opportunity to purchase a lead, the highest bidding lender will most often get the opportunity. Lenders may perform credit checks through any credit reporting bureau and may also verify the information that you provide on this form including social security number, address, phone number, employment history, bank account information etc. Information may be shared with non-lenders or other intermediary service providers (like us) to help you connect with a lender. This service works with many different kinds of lending partners, including tribal lending institutions. Federally recognized Indian tribes are independent sovereign nations and their wholly owned entities are generally not required to follow state and local laws regarding rates, fees and other loan related conditions. However, Indian tribes and their wholly owned entities are required to follow some applicable federal laws. If you are connected with a tribal entity, be sure to check their rates as they may carry higher interest rates when compared to state-licensed lenders. The Truth in Lending Act requires lenders to disclose rates, fees and other important conditions of a loan. After checking the terms, make a determination of whether or not you can afford the payments. We earnestly encourage you to reject any offer that is not within your financial means. Short-term, small-dollar loans are not a long term solution to financial hardship. You may also consider seeking professional advice regarding your financial circumstances and alternatives to loan products. Late payments of loans may result in additional fees or collection activities, or both. Each lender has its own terms and conditions. Please familiarize yourself with your lender’s policies for further information. Additionally, failure to repay your loan may carry nonpayment penalties and collection activities. Please review nonpayment terms with your lender directly. Every lender has a different renewal policy please review your particular lender’s renewal policy for more information.

State Availability: Lenders that participate in the services provided by this website do not offer loans in every state. If you are from a state that the lenders do not service, you will not be able to be connected to a lender. Our service does not constitute an offer or solicitation for any loan products that are prohibited by state law. Additionally, this is not a solicitation for any particular loan and is not a loan offer.

Advertiser Disclosure: This website offers a 100% free service that connects consumers with third-party lenders and partners. While this is a free service to consumers, third-party lenders or partners may provide the operator of this website with a referral fee for referring consumers to them.