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Cash Loans, Unsecured Personal Loans and other Financial Solutions

With the current economic downturn, it has become harder and harder for the average customer to get a loan. In fact, most banks require that you have a high credit score and/or some form of collateral now, and in some cases, they aren't even lending! Under these circumstances, even though you need the money, you feel discouraged from even applying for a Payday Advance or Bad Credit Loan. But imagine a website that approved you for a loan regardless of your personal credit situation or the current economic outlook. Would you apply for a loan now? Of course! We take the difficulties out of applying for a loan by offering you a convenient and secured online loan application. At, we provide flexible, practical financial solutions to consumers with all financial backgrounds. Don't let past credit issues stop you from getting the money you need. Apply now and let loansmatrix find you the personal/payday loan you're searching for today!

Instant Approval

Our system automatically searches over 150 Credit Loan providers and once you apply, we connect you directly to a secure lender's site to provide instant approval on your loan. Some of our payday advance lenders can even wire cash directly to your account in one hour! No waiting is required, and we have the highest approval rates around. So go ahead and apply now. Remember loansmatrix offers up to $1,000** personal loans and payday loans wired to your account as Fast as 1 Hour!

How it Works

Let us find you the biggest loan amount and the best rate.
Get the money you need fast using our easy online paperless loan process. Just apply using our secured application. We do all the research so you do don't have to!

We will search up to 167 lenders to find you the highest loan amount and the best rate. We will match you with a lender that will send money directly to your bank account as fast as 1 Hour. has the largest Payday Loan Search Engine in America. In our network of lenders we also have many Personal Loan, Installment Loan, and Cash Advance Lenders who can provide funding for up to $1,000 even with bad credit.

Lending Polices

Our Lender's interest rates starts from 17%, it differs depending on your loan amount and the installments to pay it back.

APR=((Loan Fee/Loan Amount) / (Loan Days/365) * 10000) / 100

Apr varies according to the loan amount, loan fee and repayment time

For example

Loan amount $100.00

Loan fee $30.00

Repayment Time 10days

APR= 1095%

Collection practices :

The Fair Debt Collection Practices Act (FDCPA) is the federal law that governs debt collection for personal, household, and family debts like your mortgage and car loan, other personal loans, your credit card debts, past-due utility bills, past-due student loans, medical and insurance debts, condo fees, unpaid legal judgments against you, and bounced checks. The FDCPA applies to outside debt collectors, but not to a creditor's own in-house debt collectors (meaning debt collectors who are employees of a creditor). If your state has its own law that applies to debt collectors, it may be tougher and more comprehensive than the federal law. Contact your state attorney general's office to find out if your state has a law and about the protections it provides you Few lenders sell the account to a collection agent, when the customer defaults the loan dues and stops communicating, Before you agree to a loan you will be provided with the information regarding the implications of making late/non 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/non payments. the debtor can stop the telephone calls by sending a cease communication demand letter, commonly called a cease and desist notice, to the collection agent.

Debt collectors who are covered by the FDCPA cannot do any of the following to collect a debt from you:

  • Call you before 8 a.m. or after 9 p.m. unless you tell them it is okay to do so.
  • Call you on a Sunday.
  • Contact you at work if the debt collector knows that your employer does not want you to be contacted there during working hours.
  • Get in touch with your employer about a debt you owe, unless the debt is past-due child support.
  • Contact your relatives, friends, or neighbors about the money you owe in order to embarrass you into paying your debts.
  • Communicate with you about your debt by using a postcard or an envelope that clearly indicates that a debt collector sent it.
  • Use a letter or envelope that appears to have come from a government agency or a court.
  • Call you repeatedly during a relatively short period of time. Such behavior is harassment, and the FDCPA makes harassment illegal.
  • Swear or insult you when you are having a conversation, or threaten you with the loss of your reputation or with jail time.
  • Order you to accept collect calls from them.
  • Deposit a post-dated check you have given them before the date on the check.
  • Collect more than you owe on a debt, unless the contract you have with the creditor that turned your debt over to collections allows the debt collector to do that.

Renewal or roll over of payday loan

Generally, it means you pay a fee to delay paying back the loan. This fee does not reduce the amount you owe. If you renew/roll over the loan multiple times, it's possible to pay several hundred dollars in fees and still owe the amount you borrowed. For example, if you roll over a $300 loan with a $45 fee three times before fully repaying the loan, you will pay four $45 fees, or $180, and you will still owe the $300. So, in that example, you would pay back a total of $480. Some payday lenders give borrowers the option to renew/roll over their loans if they cannot afford to make the payment when it's due. However, many states limit or ban payday loan renew/rollovers. Learn more about your states policies in regard to loan renewal, and carefully read the lender's terms before signing a loan contract.

Impact on the users' credit score if the loan is not paid

Your payment history accounts for 35% of your credit score more than any other single factor. If you pay your bills on time and never miss a payment, you are rewarded and will do well in this category. If you have a history of missing payments or paying late, you will not. Late payments, missing payments, charge-offs, collections, judgments, liens, foreclosures, bankruptcy will pull down your credit score. If you have missed a payment, or have been late in the past, the best advice is to get current and stay current. The longer you pay on time, and the older the late payments get, the less impact they will have.


We do not collect any charge for connecting customers to the lenders, We get commissions from the lenders if the loan is approved. Our commission varies from $9 to $30.

Call us at 8007934532 to get all your queries answered.

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