Borrow $100 - $5,000 Over 3 - 24 Months Today
How much cash?


How long for?
No upfront fees or costs
Borrowing:
$300
APR:
5.99% - 35.99%
In your account by: 06:06am

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Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR.

All FICO Scores Welcome
Heart Paydays > How it Works

How it Works

1. How much amount and for how long?

Heart Paydays works with lenders which provide loan plans with amounts ranging from $100 to $5000 for up to 24 mounts. The loan amount and payment duration depend on the lender’s policy on the type of loan you want.

2. Fill Out Brief Loan Request Form

You will have to fill out a loan request form to request a loan with the lending partners in our network. You will have to provide us with some personal information about you on the form. The information provided will be used to check if you qualify for the loan. While filling out the form, you will select the amount you wish to borrow and the repayment period. Ensure you choose a realistic loan amount and repayment period to avoid defaulting on your loan. Your information with us is confidential and will remain with the lender and us. All the information you provide will never be shared without your consent.

3. We’ll search the market for your loan.

At Heart Paydays, we have a list of lenders we work with. After you have filled out your application form, we will search the market for lenders offering the type of loan you want. We will then link you to these lenders so you can complete your loan application.

4. Receive Decision in Minutes

Once we process your loan application, you will be notified of the decision within a few minutes. If you qualify for the loan, you will be linked with a third-party independent lender to finalize the process. You may need to provide extra information to the third-party lender. As soon as your loan is approved, you will be funded immediately. You will get a notification providing you with detailed instructions on whatever is needed of you.

5. Get Your Money

If your loan request is successful, subject to further checks by the lender, the fund will be sent into your bank account. Typically, it is transferred electronically through electronic transfer. Loan disbursement is always instant, as the borrowed amount will be sent within a few minutes or 24 hours.

For other queries, you can also check frequently asked questions.