Loan Rates & Fees

Advance My Wages is not a lender. We do not issue loans, set interest rates, or determine fees. Any offers you receive come from third-party lenders, and all rates, fees, and terms are decided solely by those lenders.

Loan rates, fees, and repayment terms depend on the lender and your own circumstances. Factors that can influence them include:

• State of residence
• Loan amount and loan type
• Credit history
• Income and employment information
• Lender-specific criteria

Because of these factors, rates and fees can vary widely.

Depending on the lender and product, costs may include:

• Interest charges (APR)
• Origination or processing fees
• Late payment fees
• Returned payment or non-sufficient funds (NSF) fees

Not every loan carries the same fees, and some lenders may not charge certain fees at all.

The Annual Percentage Rate (APR) reflects the total yearly cost of borrowing, including interest and certain fees. APR ranges differ by lender and loan type and will be disclosed clearly by the lender before you accept any offer.

Submitting your information through advancemywages.com:

• Is free
• Does not obligate you to accept any loan offer
• Lets you review the terms before you decide

Review all loan terms, rates, and fees provided by a lender carefully before accepting an offer.

We encourage responsible borrowing. Before accepting any loan, consider whether it meets your needs and whether you can comfortably repay it under the lender’s terms.

For questions about an offer’s rates, fees, or repayment terms, contact the lender directly. Advance My Wages cannot change or negotiate loan terms on your behalf.

This page should be read together with our:

• Privacy Policy
• Lending Policy
• Do Not Sell My Personal Information

For general questions about this page or how Advance My Wages works, contact us: