1. How do I qualify for my loan?
  2. What kind of fees will I get charged?
  3. What will be my APR range?
  4. Are payday loan or cash advance scam?

Requirements - Get Started

In order to submit your loan request through AmericanLendingStore.com, you need to:

Making the Loan Request

Consumers seeking a short-term loan can submit a loan request instantly online. Remember, it is important to fill out the secure form completely, so that we can search our network to help you find potential lenders.

Direct Deposit

If you are approved by your lender for a short-term loan, the loan amount can often be transferred directly into your bank account as soon as the next business day.


Lenders want to be paid back on their loan, and you don’t want to miss payments. In order to avoid any unnecessary fees or finance charges due to late payments, lenders may automatically withdraw from a consumer’s checking account any loans and loan fees on the loan due date. Your loan can not be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender for more details. It’s Easy

You will complete several short forms by starting here. Make sure to complete all form sections. If you have any questions about the form, please feel free to contact us.

Cash Advance Rates & Fees


Using AmericanLendingStore.com is completely free and you can use our matching service as often as needed. The only cost you are responsible for comes after you review and agree to a lender’s terms, by signing a loan contract. Fees associated with the loan will vary depending on your state, the lender, and the amount of your short-term loan.

Short-term loans are designed for emergency cash needs only, and are often less expensive than check fees, late charges, and other costs you might incur from overdue payments. Please make sure you review all terms before accepting a loan offer and always borrow responsibly.

Cash Advance Rates & Fees - Fees

Submitting your inquiry for a loan at AmericanLendingStore.com incurs absolutely no cost. AmericanLendingStore.com is not a lender and does not provide lending services directly to consumers. Based on the information you submit, AmericanLendingStore.com searches its database for potential lenders and/or loan products for your consideration.

The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender at the time of approval. Upon the conclusion of lender approval, most lenders will direct you to an e-signature page that they provide.

Full Disclosure of Terms

The lender provides documents that contain all fees and rate information pertaining to the loan being offered to you by the lender. Please review the fee and rate information provided to you by your lender at this time thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept these terms. If you decide the loan terms detailed in the lender contract are acceptable and wish to proceed with the loan process, e-sign the page and await transfer of your funds.

The loan fees and interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted to the lender. AmericanLendingStore.com has no control or knowledge of the loan details between you and your lender. You are under no obligation to continue with the loan request if you find a particular lender’s loan terms unsuitable.

Late Payment Policy

Cash advance lenders have varying policies regarding late payments. Review the late payment policy detailed in the loan documents provided to you by your lender before appending your e-signature, and thereby agreeing to the loan terms. All lenders, however, must abide by applicable laws, rules, and regulations regarding late payment fees. Select your state from the list below to review the laws and regulations governing late payments by a particular state.

Non-Payment Policy

Additional fees or charges may request to you in the event that you are unable to repay your loan. AmericanLendingStore.com uses commercially reasonable efforts to work only with reputable lenders dedicated to pursuing collections of past due accounts with conduct that is fair and reasonable. Find your state in the list down below to review the legal repercussions applicable to you in the case of non-payment.

Loan Renewal Policy

Where rollovers, or repayment term extensions, are allowed, interest rates, along with any late fees that may be assessed, can add a substantial dollar amount to the end price of your loan. Read the lender's terms in full regarding loan renewal options before signing the loan contract.

Representative APR Range

AmericanLendingStore.com is not a lender and does not provide short-term loans but refers consumers to lenders who may provide such loans. For this reason, we are unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you choose to accept an offered loan. The loan interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted to the lender. Your lender provides the APR, loan fees, and other terms. For help in understanding and using our services, consumers may refer to the Questions section or Contact Us.

The APR on a short-term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on, if applicable. See a See a Representative Example

AmericanLendingStore.com has no control or knowledge of the loan details between you and your lender. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline.

Responsible Lending Policy

AmericanLendingStore.com remains dedicated to working with reputable lenders. In addition, AmericanLendingStore.com provides information that will assist consumers in making informed, responsible loan decisions.

Truth in Lending Act

AmericanLendingStore.com’s policies and practices adhere to the regulations set by Fair Lending laws, such as the Truth in Lending Act. Before a consumer assumes any obligation to initiate the loan process, consumers should demand to be presented, in writing, with the exact rates, fees, rollover charges, and other details of their loan, not to exceed applicable laws, rules, and regulations. Consumers can review applicable laws and regulations in their state within our Consumer Resource Center.

Fair Lending

The Dodd-Frank Wall Street Reform Act states that all lenders, including cash advance lenders, must engage in “fair lending,” which is defined as “fair, equitable, and nondiscriminatory access to credit for consumers.” Dodd-Frank also tasks the Consumer Financial Protection Bureau with the enforcement of fair lending regulations. Consumers using AmericanLendingStore.com are urged to file a complaint with the agency should any problems arise with their loans.

Fair Debt Collection Practices

For consumers repaying their loans, AmericanLendingStore.com supports all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. AmericanLendingStore.com is not an actual lender and, as a result, does not collect debts from consumers. AmericanLendingStore.com endeavor to only work with lenders that comply with applicable debt collection laws, rules, and regulations. These include:

Should a lender be found to be in violation of these or any other FDCPA statutes, AmericanLendingStore.com does not hesitate to cease conducting business with the company and report the company to the FTC.

Reporting Scams

AmericanLendingStore.com helps consumers report any illicit lenders and scam artists seeking to take advantage of those in need. AmericanLendingStore.com has created the Scam Report, an online forum dedicated to helping consumers communicate scams to each other and report them to the appropriate consumer protection agencies, such as the Better Business Bureau.

State Regulations

While all lenders AmericanLendingStore.com follow federal regulations, individual states also have numerous laws for lending within their borders. These include strict adherence to local laws regarding interest rates, rollover limits and fees, maximum loan terms, cool-off periods between loans, presentment limits, and more. Consumers should educate themselves about loan product they desire and the laws, rules, and regulations applicable to the product.

A Commitment to Educating Consumers

AmericanLendingStore.com provides users with a cornucopia of free educational resources written by our team of financial experts. The Consumer Resource section provides individual explanations and details for the unique laws and regulations in all 50 states. Readers can find out about the current laws in their state as well as the various consumer protection agencies available to them and even alternatives to cash advances in their state.