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It depends on your state. In Alabama, the maximum fee is 17.5% per $100 — $52.50 on a $300 loan over 14 days (~456% APR). In Colorado, the same loan would be capped at 36% APR (about $4.14). California allows up to $17.65 per $100. Our 50-state Cost Index shows every state's typical cost in dollars, not just percentages.

Most payday lenders utilize alternative-data sources (banking history, income verification) instead of the three major bureaus, so applying usually does a soft inquiry that doesn't impact your score. If you accept and repay a loan, most payday lenders don't report to bureaus either — meaning it won't build your score, but it also won't harm unless the loan goes to collections.

Contact the lender first. Most states mandate lenders to provide an Extended Payment Plan (EPP) at no extra charge once per year. Don't let the loan default — that initiates collections, NSF fees, and potential litigation. Our step-by-step guide walks through your rights under the FDCPA and state-specific protections.

Yes, alternatives are widely available. Federal credit unions offer Payday Alternative Loans (PALs) with an APR capped at 28%. Earned Wage Access services such as DailyPay, EarnIn, and Brigit let you get cash for hours you've already worked. Numerous companies and charitable organizations provide hardship assistance grants. Check out our detailed ranking of 15 lower-cost options.

No. PayKedge is a lead-generation service. We connect applicants with state-licensed third-party lenders. We don't lend money, don't make credit decisions, and don't charge applicants any fee. Each lender independently sets terms and decides whether to extend credit.

We're compensated by the lender network — a referral fee on accepted loans. The fee structure is identical across our network, so we lack incentive to direct you to one lender over another based on their payment. We direct you to the lender most likely to approve at the lowest rate for your profile.