Lending & Advertising Disclosures
Last reviewed: September 3, 2026 · AcceptMyCash Editorial Team
Not a lender
AcceptMyCash is not a lender, loan broker, or agent of any lender or lending partner. We do not make loans or credit decisions, and we do not endorse any specific provider. All loan decisions, terms, amounts, and rates are set solely by third-party providers.
No guarantee of approval
Nothing on this site guarantees approval for any loan or financial product. Approval depends on the provider's own underwriting criteria, your financial profile, and the laws of your state. Submitting information through our site does not pre-qualify you for any offer.
Costs and APR
Short-term credit is expensive. Payday loans, for example, commonly carry APRs of 300–400% or more where legal, and personal loan APRs vary widely based on your credit profile. All rates, fees, and terms are disclosed by the provider, and you should review them carefully — including the total repayment amount — before accepting any offer.
State availability
Loan products are not available in all states, and state rules on amounts, terms, and permitted loan types vary significantly. Some states prohibit certain short-term products entirely. Availability and terms for your state are governed by your state's law and each provider's policies.
Advertising relationship
AcceptMyCash may receive compensation when you click links to, or submit information through, third-party providers. This compensation may influence which providers appear and where, but it does not determine the accuracy of our educational content — risks and alternatives are covered for every product. See How AcceptMyCash Makes Money for our full ranking methodology.
Credit impact
Applying for credit may involve a hard inquiry that can affect your credit score. Failing to repay any loan on time results in additional fees and potential negative credit consequences. Borrow only what you can afford to repay, and consider lower-cost alternatives first.