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- You must have a savings or checking account for at least (3) months with your name printed on the checks. personal loan apr rates This is an invitation to send a loan application, not an offer to make a short term loan. This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia. You should mind that the cash you borrow plus the interest rate is to be paid back when it is your next payday. These loans are given for a quite short period of time. However, some lenders provide a so-called rollover option, which is instrumental when a borrower is not able to make the repayment on due time, when it is his next payday. With this option a person may pay back the loan amount on his/her next payday. In this case, borrower will have to pay extra charges.

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