# https://79loan.com llms-full.txt ## Quick Loan Solutions ### Get Approved Today, Fund Your Future #### 350 Direct Lenders, Fast Approval. Money in Minutes, No Hassle ### Fast Cash Bad Credit Loans Approved in Minutes! How much do you need?Please select$100$200$300$400$500$600$700$800$900$1000$1500$2000$3000$4000$5000$6000$7000$8000$9000$10000$11000$12000$13000$14000$15000$20000$25000$30000$35000 Loan PurposePlease selectAuto RepairCredit Card ConsolidationDebt ConsolidationEmergency SituationHome ImprovementMajor PurchaseMedical ExpensesMovingOther Email Address Continue {article} ## Get A Loan Now Quickly And Easily [Apply Now!](https://79loan.com/form.php) Disclaimer: 79loan.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited. State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in a commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first. 1041 4th Avenue, Suite 302, Oakland, CA 94606 ## annual percentage rate (apr) here at 79loan.com we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you. the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement. ## loan term (repayment period) minimum : 65 days maximum : 84 months ## representative example of apr if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month. the total amount payable will be $2,637, with a total interest of $137.48. ## financial implications (interest & finance charges) we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. it is your lender that will provide all the necessary information about the cost of the loan. it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. our service is free of charge, and you are under no obligation to accept the terms that the lender offers you. ## implications of non-payment when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. in the event of non-payment, additional charges may be applied. late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. for more information, please contact the lender directly if you have any issues relating to your loan repayment. ## potential impact on credit score we are not a lender and we do not check your credit standing and credit capacity. when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. however, some lenders may carry out a credit check to ascertain your eligibility for a loan. most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score. ## collection practices we are not a lender. as such, we are not involved in any debt collection practices and cannot make you aware of any of them. your lender will specify their collection practices in your loan agreement. if you have any questions regarding the issue, please, address them to your lender. for more information visit our page for responsible lending. our itself isn’t involved in debt collection. ## loan renewal policies loan renewal options are not always available. it is therefore advisable to clarify whether the option is available with your lender. be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents. © 2026 79loan.com. All rights reserved. ## Loan Service Disclaimer ### Get Approved Today, Fund Your Future #### 350 Direct Lenders, Fast Approval. Money in Minutes, No Hassle ### Fast Cash Bad Credit Loans Approved in Minutes! How much do you need?Please select$100$200$300$400$500$600$700$800$900$1000$1500$2000$3000$4000$5000$6000$7000$8000$9000$10000$11000$12000$13000$14000$15000$20000$25000$30000$35000 Loan PurposePlease selectAuto RepairCredit Card ConsolidationDebt ConsolidationEmergency SituationHome ImprovementMajor PurchaseMedical ExpensesMovingOther Email Address Continue # DISCLAIMER 79 loan is not a lender and does not make loans or credit decisions. 79 loan provides a matching service only and is not acting as a representative, agent, or correspondent for any service provider or lender. 79 loan does not endorse any particular service provider, lender, nor loan product. You are under no obligation to use 79 loan ‘s service to initiate contact, nor apply for credit or any loan product with any service provider or lender. This service is not available in all states. Consumers submitting an application for a loan at 79 loan incur no cost. 79 loan does not provide lending services directly to consumers. Based on the application consumers submit, 79 loan searches its database housing its vast network of reliable lenders to pair consumers with the lender and loan ideally suited to their needs. All fees and rate information will be disclosed to consumers by their lender at the time of approval. Upon conclusion of the search and application approval, you will be redirected to an e-signature page provided to you by the lender to which you were matched. This document will contain all fees and rate information pertaining to the loan being offered by a lender from the 79 loan network. Consumers are required to review the fee and rate information provided by their lender at this time thoroughly and completely before agreeing to the terms of the loan. Consumers are under no obligation to accept these terms. If the consumer decides the loan terms detailed in the lender contract are acceptable and wishes to proceed with the loan process, consumer may append an e-signature to the page. Once the consumer enters into a legally binding contract with the lender, consumer assumes all costs and risks associated with the contract. At that point, the consumer is obligated solely to the lender and is never at any point obligated to 79 loan. The loan fees and interest rates are determined solely by the lender to which the consumer is matched, with specific amounts determined based upon the application information submitted. 79 loan has no bearing on the determination of these fee amounts and interest rates. Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our Rates and Fees page to learn more about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives and recent developments in their state. The states this website services may change from time to time and without notice. All aspects and transactions on this site will be deemed to have taken place in the state of California, regardless of where you may be accessing this site. 79 loan does not guarantee that completing an application form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender. 79 loan specifically does not offer or solicit cash advances in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, West Virginia, Virginia, or Ohio. You will not be charged any fees to use 79 loan ‘s service. Service providers or lenders will not require credit scores with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. Learn more about Rates & Fees. ## Get A Loan Now Quickly And Easily [Apply Now!](https://79loan.com/form.php) Disclaimer: 79loan.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited. State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in a commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first. 1041 4th Avenue, Suite 302, Oakland, CA 94606 ## annual percentage rate (apr) here at 79loan.com we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you. the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement. ## loan term (repayment period) minimum : 65 days maximum : 84 months ## representative example of apr if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month. the total amount payable will be $2,637, with a total interest of $137.48. ## financial implications (interest & finance charges) we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. it is your lender that will provide all the necessary information about the cost of the loan. it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. our service is free of charge, and you are under no obligation to accept the terms that the lender offers you. ## implications of non-payment when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. in the event of non-payment, additional charges may be applied. late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. for more information, please contact the lender directly if you have any issues relating to your loan repayment. ## potential impact on credit score we are not a lender and we do not check your credit standing and credit capacity. when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. however, some lenders may carry out a credit check to ascertain your eligibility for a loan. most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score. ## collection practices we are not a lender. as such, we are not involved in any debt collection practices and cannot make you aware of any of them. your lender will specify their collection practices in your loan agreement. if you have any questions regarding the issue, please, address them to your lender. for more information visit our page for responsible lending. our itself isn’t involved in debt collection. ## loan renewal policies loan renewal options are not always available. it is therefore advisable to clarify whether the option is available with your lender. be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents. © 2026 79loan.com. All rights reserved. ## Quick Cash Loan Service ### Get Approved Today, Fund Your Future #### 350 Direct Lenders, Fast Approval. Money in Minutes, No Hassle ### Fast Cash Bad Credit Loans Approved in Minutes! How much do you need?Please select$100$200$300$400$500$600$700$800$900$1000$1500$2000$3000$4000$5000$6000$7000$8000$9000$10000$11000$12000$13000$14000$15000$20000$25000$30000$35000 Loan PurposePlease selectAuto RepairCredit Card ConsolidationDebt ConsolidationEmergency SituationHome ImprovementMajor PurchaseMedical ExpensesMovingOther Email Address Continue # Contact Us To unsubscribe, please visit our Unsubscribe Page and complete the requested information. For questions, please visit our [FAQ Page](https://79loan.com/faq.php) for a list of answers to commonly asked questions. For more information on how we connect you with a lender, please visit our [How It Works Page](https://79loan.com/how-it-works.php). ## Get A Loan Now Quickly And Easily [Apply Now!](https://79loan.com/form.php) Disclaimer: 79loan.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited. State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in a commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first. 1041 4th Avenue, Suite 302, Oakland, CA 94606 ## annual percentage rate (apr) here at 79loan.com we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you. the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement. ## loan term (repayment period) minimum : 65 days maximum : 84 months ## representative example of apr if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month. the total amount payable will be $2,637, with a total interest of $137.48. ## financial implications (interest & finance charges) we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. it is your lender that will provide all the necessary information about the cost of the loan. it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. our service is free of charge, and you are under no obligation to accept the terms that the lender offers you. ## implications of non-payment when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. in the event of non-payment, additional charges may be applied. late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. for more information, please contact the lender directly if you have any issues relating to your loan repayment. ## potential impact on credit score we are not a lender and we do not check your credit standing and credit capacity. when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. however, some lenders may carry out a credit check to ascertain your eligibility for a loan. most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score. ## collection practices we are not a lender. as such, we are not involved in any debt collection practices and cannot make you aware of any of them. your lender will specify their collection practices in your loan agreement. if you have any questions regarding the issue, please, address them to your lender. for more information visit our page for responsible lending. our itself isn’t involved in debt collection. ## loan renewal policies loan renewal options are not always available. it is therefore advisable to clarify whether the option is available with your lender. be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents. © 2026 79loan.com. All rights reserved. ## Payday Loans FAQ ### Get Approved Today, Fund Your Future #### 350 Direct Lenders, Fast Approval. Money in Minutes, No Hassle ### Fast Cash Bad Credit Loans Approved in Minutes! How much do you need?Please select$100$200$300$400$500$600$700$800$900$1000$1500$2000$3000$4000$5000$6000$7000$8000$9000$10000$11000$12000$13000$14000$15000$20000$25000$30000$35000 Loan PurposePlease selectAuto RepairCredit Card ConsolidationDebt ConsolidationEmergency SituationHome ImprovementMajor PurchaseMedical ExpensesMovingOther Email Address Continue # FAQs [What are payday loans?](https://79loan.com/faq.php#) Payday loans are a fast and easy way to borrow money, allowing you to obtain short-term cash to help meet emergency expenses. Such loans can be very useful in avoiding overdraft fees, missed bills, and late payments which can seriously harm your credit. It is important to know that other types of loans may be more appropriate for your circumstances. For example, it is generally cheaper to use a credit card for emergencies instead of payday loans (unless the credit card is over its limit). [What ‘s the benefit?](https://79loan.com/faq.php#) The benefit is money FAST – right when you need it. The fees and interest of payday loans may also be preferable to that of high late fees from credit cards, or mortgage payments. [Is my application secure and confidential?](https://79loan.com/faq.php#) Security is very important whenever you’re dealing with financial and personal information. This site uses 128-bit encryption for all online forms and applications. At the bottom of your browser page, you should see a small lock icon – this means the page is encrypted. Data you submit with us is extremely safe, and cannot be accessed or viewed by third parties. All material is confidential and your personal information will not be given or sold to anyone (however, it is provided to the lenders who process your application). [Am I eligible?](https://79loan.com/faq.php#) You are eligible for a payday loan if you meet the following qualifications: Are a US citizen or legal resident Are 18 years old or more Have at least 3 months of history with your current job Have a checking account in which to put the money Receive an income of at least $800 per month after taxes How big of a loan can I get? Your loan limit is usually determined by state law. Beyond state law, the lender will base your loan on your salary and ability to pay the loan back. You will not receive more than can be reasonably expected to be paid back. The maximum amount for payday loans tends to be $1,000. [How long does the approval process take?](https://79loan.com/faq.php#) After you submit your application, a lender will review it immediately and, if approved, you can receive your money as fast as the same day. [How does the money get to me?](https://79loan.com/faq.php#) After you are approved, you will receive an email which confirms the approval. Your money will be deposited into the account you specified on your application. You then simply go to your bank and make a withdrawal just like normal. [What collateral is required? Is my credit rating important?](https://79loan.com/faq.php#) Collateral is not required for payday loans and your credit rating is not examined for a basic payday loan. The lender uses your record of work and expected future paychecks as the assurance that you will pay back the money. [Can I get a payday loan even though I have bad credit?](https://79loan.com/faq.php#) Definitely! 79 loan will never examine your credit score on any application. Even if you’ve been turned down by other lenders for bad credit, you can still qualify for a payday loan from 79 loan as long as you earn a steady monthly income. [How do I know my application is secure?](https://79loan.com/faq.php#) The application on our site is secured with 128-bit SSL encryption for the security of data transferred to and from our site. [Will you tell me when my loan is approved? How will I know?](https://79loan.com/faq.php#) When your lender approves your payday loan, your lender will send you an email alert verifying your approval. [Is there a fee to apply online?](https://79loan.com/faq.php#) 79 loan’s no fax online application is completely free. We will never charge you an application fee. [What if I change my mind? I submitted my application, but does that obligate me to take out a loan?](https://79loan.com/faq.php#) Absolutely not. Your application is not a loan contract, it simply indicates your interest for more information. A lender representative will contact you to discuss any questions or concerns you might have, and you are free to withdraw your application at any time. [How long is my loan good for?](https://79loan.com/faq.php#) Lending periods are subject to state payday loan laws, but typically last between 8 to 25 days depending on the timing of your next scheduled paycheck. [How many times can I borrow a payday loan?](https://79loan.com/faq.php#) The number of payday loans an individual can have active throughout the year varies depending on your state’s small loan regulations. Some states limit consumers to 4 payday loans in one year, while other states place no restrictions on the number of loans a person can take out. 79 loan reminds our customers to always borrow responsibly. If you find yourself in serious financial need, you may need more help than our payday loans can offer. Always assess your financial health and choose the service that best addresses your situation. [How do I pay back my loan?](https://79loan.com/faq.php#) Most customers repay their loans in full when they come due at the end of the lending period. Your lender may also give you the option to pay the financing fee on the due date and renew the payday loan for another term, additional fees may apply. The ability to rollover may be limited by state law. [Why do online applications require personal information?](https://79loan.com/faq.php#) We ask for your social security number and driver’s license identification to verify that you’re the actual person applying for the loan, and not someone trying to use your name and information fraudulently. We require banking information so your lender can deposit your cash directly into your account and to make sure your money is sent to the right account. [What if I am late with a payment or can’t repay my loan?](https://79loan.com/faq.php#) Since repayment information varies by lender, and we do not provide payday loans directly, you will need to contact your lender directly to find out what you should do in the event you are unable to repay your loan on time. In some cases your lender may give you the option to pay the financing fee on the due date and renew the payday loan for another term, additional fees may apply. The ability to rollover may be limited by state law. [What is your code of responsible lending?](https://79loan.com/faq.php#) We support responsible online lending practices and we do not allow military personnel, military dependents or anyone who is under the age of 18 to submit applications on our website. Also, applicants must receive an income of at least $800 per month after taxes to have their application processed on our site. We encourage all of our visitors to do due diligence before accepting the terms of any loans they are presented. ## Get A Loan Now Quickly And Easily [Apply Now!](https://79loan.com/form.php) Disclaimer: 79loan.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited. State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in a commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first. 1041 4th Avenue, Suite 302, Oakland, CA 94606 ## annual percentage rate (apr) here at 79loan.com we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you. the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement. ## loan term (repayment period) minimum : 65 days maximum : 84 months ## representative example of apr if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month. the total amount payable will be $2,637, with a total interest of $137.48. ## financial implications (interest & finance charges) we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. it is your lender that will provide all the necessary information about the cost of the loan. it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. our service is free of charge, and you are under no obligation to accept the terms that the lender offers you. ## implications of non-payment when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. in the event of non-payment, additional charges may be applied. late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. for more information, please contact the lender directly if you have any issues relating to your loan repayment. ## potential impact on credit score we are not a lender and we do not check your credit standing and credit capacity. when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. however, some lenders may carry out a credit check to ascertain your eligibility for a loan. most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score. ## collection practices we are not a lender. as such, we are not involved in any debt collection practices and cannot make you aware of any of them. your lender will specify their collection practices in your loan agreement. if you have any questions regarding the issue, please, address them to your lender. for more information visit our page for responsible lending. our itself isn’t involved in debt collection. ## loan renewal policies loan renewal options are not always available. it is therefore advisable to clarify whether the option is available with your lender. be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents. © 2026 79loan.com. All rights reserved. ## Transparent Lending Policies ### Get Approved Today, Fund Your Future #### 350 Direct Lenders, Fast Approval. Money in Minutes, No Hassle ### Fast Cash Bad Credit Loans Approved in Minutes! How much do you need?Please select$100$200$300$400$500$600$700$800$900$1000$1500$2000$3000$4000$5000$6000$7000$8000$9000$10000$11000$12000$13000$14000$15000$20000$25000$30000$35000 Loan PurposePlease selectAuto RepairCredit Card ConsolidationDebt ConsolidationEmergency SituationHome ImprovementMajor PurchaseMedical ExpensesMovingOther Email Address Continue # LENDING POLICY 79 loan is dedicated to safeguarding its consumer’s from malicious payday loan lenders who engage in illicit lending techniques. We equip consumers with the knowledge they need in order to make responsible and informed decisions. ### Trust and Truth 79 loan‘s practices and policies have always and will always conform to the regulations which have been set forth by the Fair Lending Laws like the Truth in Lending Act. Prior to a consumer assuming any obligation in order to initiate the lending process they should and will be presented in writing the exact fees, rates, charges and roll over charges in addition to other details about their loan. You can visit our Rates and Fees to find out about the current regulations and laws in your state. ### Fair Lending According to the Dodd-Frank Wall Street Reform Act every lender which includes payday loan lenders need to engage in what it terms as “fair lending” practices. The Consumer Financial Protection Bureau has been tasked by this act to enforce fair lending rules and regulations. ### Practices for Fair Debt Collection We try to work with lenders that follow all the provisions of the stated Fair Debt Collection Practices Act which is enforced currently by the Federal Trade Commission. 79 loan is not the actual lender. 79 loan does not collect any debts from consumers. Every lender in our network is required to follow the following Statues which are: Calling consumers on their telephone prior to 8 a.m. or post 9 p.m. Contacting their consumers via telephone with the malicious intent of harassing, or annoying or even using abusive language is prohibited Using misrepresentation and deception for debt collection Threatening with legal recourse even though no legal action is allowed If a lender is found to be violating any of the above FDCPA statues 79 loan will not hesitate to stop doing business with that company and file a report with the Federal Trade Commission. ### Current State Regulations 79 loan encourages lenders in its network to follow federal and state regulations. These often include the strict conformity with local laws in regards to their interest rates, maximum loan terms, rollover limits, fees, cool off periods in between loans, and much more. ## Get A Loan Now Quickly And Easily [Apply Now!](https://79loan.com/form.php) Disclaimer: 79loan.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited. State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in a commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first. 1041 4th Avenue, Suite 302, Oakland, CA 94606 ## annual percentage rate (apr) here at 79loan.com we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you. the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement. ## loan term (repayment period) minimum : 65 days maximum : 84 months ## representative example of apr if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month. the total amount payable will be $2,637, with a total interest of $137.48. ## financial implications (interest & finance charges) we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. it is your lender that will provide all the necessary information about the cost of the loan. it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. our service is free of charge, and you are under no obligation to accept the terms that the lender offers you. ## implications of non-payment when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. in the event of non-payment, additional charges may be applied. late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. for more information, please contact the lender directly if you have any issues relating to your loan repayment. ## potential impact on credit score we are not a lender and we do not check your credit standing and credit capacity. when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. however, some lenders may carry out a credit check to ascertain your eligibility for a loan. most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score. ## collection practices we are not a lender. as such, we are not involved in any debt collection practices and cannot make you aware of any of them. your lender will specify their collection practices in your loan agreement. if you have any questions regarding the issue, please, address them to your lender. for more information visit our page for responsible lending. our itself isn’t involved in debt collection. ## loan renewal policies loan renewal options are not always available. it is therefore advisable to clarify whether the option is available with your lender. be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents. © 2026 79loan.com. All rights reserved. ## Fast Payday Loans ### Get Approved Today, Fund Your Future #### 350 Direct Lenders, Fast Approval. Money in Minutes, No Hassle ### Fast Cash Bad Credit Loans Approved in Minutes! How much do you need?Please select$100$200$300$400$500$600$700$800$900$1000$1500$2000$3000$4000$5000$6000$7000$8000$9000$10000$11000$12000$13000$14000$15000$20000$25000$30000$35000 Loan PurposePlease selectAuto RepairCredit Card ConsolidationDebt ConsolidationEmergency SituationHome ImprovementMajor PurchaseMedical ExpensesMovingOther Email Address Continue # Why Should You Choose Payday Loans? Many people want to apply for the payday loan because this loan is very flexible for most people. Nowadays, there are a lot of payday loan companies that people can find in their local area. Finding the right one can be challenging for some people. Payday Loans is one of the most popular payday loan companies that people need to consider. There are several good reasons why this company is very popular among its customers. In this article, people can read some reasons why they have to choose this company when they want to apply for payday loan. 1\\. Easy procedure This is the first reason why people choose this company as their real solution. This company offers an easy procedure for people who want to apply for the payday loan. The procedure is relatively simpler than any other companies. People can simply fill the application form on its website. There are several personal information that people have to provide on the application form. Filling out an application form is the only procedure that people have to do before they can borrow money from this company. Because of this easy procedure, this company is very popular among its customers. 2\\. Quick When people want to have an emergency funding, this Payday Loans is a perfect solution for them. All procedures are done very quickly. It means that people do not have to wait for weeks to receive their funds. In most cases, this company can lend you money in days. Some customers may receive their funds in 24 hours or less. This company can provide very quick procedure because it does not require any complicated procedures. This company is also handled by professional agents who are ready to help people borrow money in very short period of time. 3\\. Friendly customer service representatives This company is very popular for its friendly customer care agents. They are very helpful for all customers, especially for new customers. New customers usually have a lot of questions regarding the payday loan. Therefore, it is recommended for them to call this company before taking any payday loans from this company. Its customer service representatives are very happy to help them borrow money easily. All agents are specially trained, so they can have a lot of important knowledges about the company and its payday loan programs. Different people have different needs. Therefore, they need to consult with the agents before deciding to take particular payday loan program. 4\\. No hidden fees There is no hidden fees that may occur when people take this payday loan from this company. This company offers flat fee for all customers. It means that customers only need to pay for the flat fee for their funds. This fact makes this company is different from other payday loan companies. There are a lot of companies that may give hidden fees for their customers. Because of that reason, many people are interested to take payday loan from this company. They do not have to pay for any hidden fees that may occur in the future. 5\\. All applications can be done online This is another benefit that people can get by taking payday loan from this company. All application procedures can be done online. This is a real benefit for people who do not have a lot of time to visit certain payday loan companies. People can simply visit this company's website when they want to borrow money from this company. They can also talk with the customer care agents via online chat. This feature is very helpful for people who want to discuss about their needs. That is the reason why this company is very well-known among its customers. They are some benefits that people can get by taking payday loan from Payday Loans. This company can give a lot of benefits for its customers. It is very important to choose the best payday loan company, so people can avoid any problems in the future. Payday loan is a great solution for people who want to have loan immediately. In most cases, people usually need this loan for their emergency uses. However, this loan is recommended for short term solution. People should not use this loan as their long term solution. ## Get A Loan Now Quickly And Easily [Apply Now!](https://79loan.com/form.php) Disclaimer: 79loan.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited. State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in a commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first. 1041 4th Avenue, Suite 302, Oakland, CA 94606 ## annual percentage rate (apr) here at 79loan.com we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you. the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement. ## loan term (repayment period) minimum : 65 days maximum : 84 months ## representative example of apr if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month. the total amount payable will be $2,637, with a total interest of $137.48. ## financial implications (interest & finance charges) we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. it is your lender that will provide all the necessary information about the cost of the loan. it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. our service is free of charge, and you are under no obligation to accept the terms that the lender offers you. ## implications of non-payment when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. in the event of non-payment, additional charges may be applied. late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. for more information, please contact the lender directly if you have any issues relating to your loan repayment. ## potential impact on credit score we are not a lender and we do not check your credit standing and credit capacity. when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. however, some lenders may carry out a credit check to ascertain your eligibility for a loan. most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score. ## collection practices we are not a lender. as such, we are not involved in any debt collection practices and cannot make you aware of any of them. your lender will specify their collection practices in your loan agreement. if you have any questions regarding the issue, please, address them to your lender. for more information visit our page for responsible lending. our itself isn’t involved in debt collection. ## loan renewal policies loan renewal options are not always available. it is therefore advisable to clarify whether the option is available with your lender. be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents. © 2026 79loan.com. All rights reserved. ## Fast Loan Approval ### Get Approved Today, Fund Your Future #### 350 Direct Lenders, Fast Approval. Money in Minutes, No Hassle ### Fast Cash Bad Credit Loans Approved in Minutes! How much do you need?Please select$100$200$300$400$500$600$700$800$900$1000$1500$2000$3000$4000$5000$6000$7000$8000$9000$10000$11000$12000$13000$14000$15000$20000$25000$30000$35000 Loan PurposePlease selectAuto RepairCredit Card ConsolidationDebt ConsolidationEmergency SituationHome ImprovementMajor PurchaseMedical ExpensesMovingOther Email Address Continue # RATES & FEES The services that 79 loan provides are completely free to you! We do not charge any fees for matching you with payday lenders in our network. 79 loan does not provide loans and we do not have any say in the rates or terms of our lenders. Our services are designed to take your information and then make it easy to find the lender that can best serve your needs. After you are matched with a lender, and your loan is approved, the interest rates and fees that you will incur during repayment will be provided to you. This is required of every lender under the Truth in Lending Act. If you agree to the rates and fees, the lender will direct you to an e-signature page, and your loan will be processed. ### Disclosure of Terms The lender will provide you with a document that outlines all of the terms of the loan being offered. The information provided will include the rates and fees that you will be responsible for. It is recommended that you carefully review the terms of the loan before moving forward. If you agree to the terms, you will be directed to a page that will ask for your e-signature. 79 loan is not responsible for any of the terms presented to you. Rates, fees, and terms are directly decided on by the lender. Our service only matches you with a lender – we are not informed of the terms of the loan offered to you. If you are not comfortable with the loan terms you are under no obligation to move forward with the lender. ### Implications of Late Payments Each lender in our network has their own policy when it comes to late payments. Before you agree to a loan you will be provided with the information regarding the implications of making late payments. Be sure that you understand the policy before you e-sign for a loan. Each state has rules and regulations in place that payday lenders must follow when assessing fees for late payments. ### Implications of Non-Payment If you default on the payments of your loan you may be responsible for additional fees. At 79 loan we strive to work with lenders that use fair and legal collection actions to rectify a loan that has not been repaid. Please review the laws in your state to learn more about the implications of not repaying a payday loan. ### Disclosure of Renewal Policy Extending the repayment terms of a loan may result in additional interest paid, as well as late fees, which can greatly increase the total amount you pay back on a loan. In most cases, loan renewal policies are regulated by the state government. Learn more about your states policies in regard to loan renewal, and carefully read the lender’s terms before signing a loan contract. There are some American states that do not have any specific lending statutory provisions pertaining to payday loans. And they do not require that lenders comply with the interest rates offered by: Maryland, New Jersey, Connecticut, Massachusetts, West Virginia, Vermont and Pennsylvania. North Carolina and Arizona are allowed preexisting cash loans statues and laws to sunset. ## Get A Loan Now Quickly And Easily [Apply Now!](https://79loan.com/form.php) Disclaimer: 79loan.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited. State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in a commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first. 1041 4th Avenue, Suite 302, Oakland, CA 94606 ## annual percentage rate (apr) here at 79loan.com we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you. the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement. ## loan term (repayment period) minimum : 65 days maximum : 84 months ## representative example of apr if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month. the total amount payable will be $2,637, with a total interest of $137.48. ## financial implications (interest & finance charges) we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. it is your lender that will provide all the necessary information about the cost of the loan. it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. our service is free of charge, and you are under no obligation to accept the terms that the lender offers you. ## implications of non-payment when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. in the event of non-payment, additional charges may be applied. late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. for more information, please contact the lender directly if you have any issues relating to your loan repayment. ## potential impact on credit score we are not a lender and we do not check your credit standing and credit capacity. when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. however, some lenders may carry out a credit check to ascertain your eligibility for a loan. most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score. ## collection practices we are not a lender. as such, we are not involved in any debt collection practices and cannot make you aware of any of them. your lender will specify their collection practices in your loan agreement. if you have any questions regarding the issue, please, address them to your lender. for more information visit our page for responsible lending. our itself isn’t involved in debt collection. ## loan renewal policies loan renewal options are not always available. it is therefore advisable to clarify whether the option is available with your lender. be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents. © 2026 79loan.com. All rights reserved. ## Quick Loan Matching Service ### Get Approved Today, Fund Your Future #### 350 Direct Lenders, Fast Approval. Money in Minutes, No Hassle ### Fast Cash Bad Credit Loans Approved in Minutes! How much do you need?Please select$100$200$300$400$500$600$700$800$900$1000$1500$2000$3000$4000$5000$6000$7000$8000$9000$10000$11000$12000$13000$14000$15000$20000$25000$30000$35000 Loan PurposePlease selectAuto RepairCredit Card ConsolidationDebt ConsolidationEmergency SituationHome ImprovementMajor PurchaseMedical ExpensesMovingOther Email Address Continue # HOW IT WORKS 79 loan is your trusted payday loan portal. 79 loan is a cash advance matching service for a network of trusted lenders. Since we are not a lender, we do not set your repayment terms, APR or loan terms. Terms and conditions vary and are only available after you complete an application and are matched with a lender from our network. Think of us as the easiest way to find lenders that fit you best! **The Process:** **Step 1:** We begin by matching your completed application with our network of trusted lenders. If your application matches requirements with any of our lenders you will be redirected to their website. **Step 2:** The lender will then display loan rates, terms and conditions. You will then have the option to accept or decline the short-term loan you have been offered. The loan WILL NOT be is issued until you accept and digitally sign for the loan application and terms. **Step 3:** After the lender successfully completes final approval and verification processes your cash is directly deposited to your bank account. Please keep in mind that your lender may call, email or text you to confirm loan details. Responding quickly to them may speed up the process for depositing your money. After filling out the application, the final page will present you with directions to complete the process. Your cash loan is that easy! Click here to get started. Remember: Please borrow responsibly and only if you will be able to pay the money back. ## Get A Loan Now Quickly And Easily [Apply Now!](https://79loan.com/form.php) Disclaimer: 79loan.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited. State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in a commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first. 1041 4th Avenue, Suite 302, Oakland, CA 94606 ## annual percentage rate (apr) here at 79loan.com we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you. the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement. ## loan term (repayment period) minimum : 65 days maximum : 84 months ## representative example of apr if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month. the total amount payable will be $2,637, with a total interest of $137.48. ## financial implications (interest & finance charges) we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. it is your lender that will provide all the necessary information about the cost of the loan. it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. our service is free of charge, and you are under no obligation to accept the terms that the lender offers you. ## implications of non-payment when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. in the event of non-payment, additional charges may be applied. late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. for more information, please contact the lender directly if you have any issues relating to your loan repayment. ## potential impact on credit score we are not a lender and we do not check your credit standing and credit capacity. when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. however, some lenders may carry out a credit check to ascertain your eligibility for a loan. most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score. ## collection practices we are not a lender. as such, we are not involved in any debt collection practices and cannot make you aware of any of them. your lender will specify their collection practices in your loan agreement. if you have any questions regarding the issue, please, address them to your lender. for more information visit our page for responsible lending. our itself isn’t involved in debt collection. ## loan renewal policies loan renewal options are not always available. it is therefore advisable to clarify whether the option is available with your lender. be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents. © 2026 79loan.com. All rights reserved.