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We work with multiple lenders, we take all the hard work away from you and use our technology to find an appropriate lender offer for you at the lowest interest rate we can find.

What are installment loans?

An installment loan is a loan that is repaid over time with a set number of scheduled payments; normally at least two payments are made towards the loan. The term of loan may be as little as a few months and as long as 30 years. A mortgage, for example, is a type of installment loan. In this case its normal to spread repayments between 3 and 18 months.

What are Payday loans?

A relatively small amount of money lent at a higher rate of interest on the agreement that it will be repaid when the borrower receives their next paycheck.

*If approved, you could get cash in your account in as little as 15 minutes subject to final checks, deposits and clearing times.

Reasons for a loan

There are many reasons why an individual may need to take out an installment with us. Here are a few of our top loan request reasons:

Apply Online

Simple quick and easy application process


Decision is made within minutes

Receive Funds

Cash sent straight into your bank account

Important Information About Your APR

First Class Payday works with both payday and instalment lenders.

Those who are approved are often offered somewhere between $100 - $2500 depending on factors like your monthly income, how long you have had your job, etc. These loans are also sometimes referred to as payday loans, cash advance loans, payday advances, instalment loans etc.

In addition, to better serve the needs of our customers, First Class Payday has also partnered with lenders that offer other types of loan products, such as lines of credit, title loans, and auto equity loans.

How much do I have to pay back? What is the APR?

Since First Class Payday is not a lender, we are not able to provide or advertise the actual terms, rates, annual percentage rates (APRs), or fees associated with the loan you may receive. The reason for this is that the terms, rates, APRs and fees vary from lender to lender.

If we are able to connect you with a lender, you will be shown this information by that lender when we connect you with them. Please review this information carefully and make sure that you understand how much money you will receive and how much you are required to payback.

Each lender should provide its loan terms clearly and in a way that is easy to understand. If you do not understand the terms of the loan or don’t agree with them (including the APR), do not continue or agree to the terms and do not provide your electronic signature.

You are not obligated to accept the terms for any reason; however, you will not receive the loan if you do not agree.

The APR of your loan includes the interest, fees and nominal charges factored into your loan. Typically, loans with lower interest rates may have higher loan amounts and longer repayment periods, and those with higher APRs may be for lower amounts and shorter repayment times.

Short-term loans with higher interest should only be used as needed, and aren't intended as long-term financial solutions. Short-term loan is "60 days or less". Customers with prolonged credit and financial difficulties should seek professional credit counseling to avoid using high interest loans more than necessary.

This APR notice is provided pursuant to our terms of service with Google. We are not a lender, and we are not required by federal or state laws to provide this notice. Specific loan terms and interest rates are available only from your lender.

Providers in our network, not all borrowers will qualify for a premium personal loan. Many borrowers will be referred to products with higher interest rates if they do not pre-qualify for a premium personal loan. Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan connecting service to the public.

Submitting your inquiry for a loan at FirstClasssPayday.com incurs absolutely no cost. FirstClasssPayday.com is not a lender and does not provide lending services directly to consumers. Based on the information you submit, FirstClasssPayday.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. FirstClasssPayday.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 apply to you in the event that you are unable to repay your loan. CashAdvance.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.