Best Practice - Payday Loans

Best Service - Payday Loans

Rates and Fees

Tammy's Cash connects consumers who are interested in obtaining payday loans or short-term loan with participating third party lenders. Tammy's Cash is a free service provider and connects borrowers with lenders, which means while you apply for a payday loan using our website, Tammy's Cash will do the best to connect you with the lender that can deposit money directly into your bank account by the next business day.

Tammy's Cash is not a lender, does not broker loans to lenders, and does not make cash advances or credit decisions.

If you are matched with a participating third party lender, the lender will provide you with the exact loan amount it can offer you, along with the fee structure and terms of repayment. All of the terms of your loan are between you and your lender and should be disclosed to you prior to executing any loan documentation. Please be sure you understand all of your lender’s terms. You are not obligated to continue if you do not agree with those terms.

Cash advances generally include interest and fees in the price of the loan. At the time agreed upon by you and your lender, you repay the loan in addition to any fees and interest based on the amount of money that you borrowed and the length of the loan. This payment is automatically deducted from your account by the lender.

If you do not pay your loan according to its terms, your lender may charge you late fees, send your account to a collection agency, report your information to a consumer reporting agency (which may negatively affect your credit score), and/or offer to renew, extend, or refinance your loan (which may cause you to incur additional fees, charges, and interest).

For details, questions, or concerns regarding your loan, please contact the lender directly.

What is the APR?

APR is annual percentage rates. Since Tammy's Cash is not a lender, we are unable to provide or advertise the actual rates, terms, APRs, or any fees associated with the loan you may receive. The reason is that the rates, terms, APRs and fees are vary from lender to lender.

If we will able to match you with a lender, you will be shown this information by that lender when we connect you with them.

Please review this information carefully and make sure that you understand how much money you will receive and how much you are required to payback.

Each lender should provide its loan terms clearly and in a way that is easy to understand. If you do not understand the terms of the loan or don’t agree with them (including the APR and fees), do not continue or agree to the terms and do not provide your electronic signature.

You are not obligated to accept the terms for any reason; however, you will not receive the loan if you do not agree.

What happens if I don’t pay the loan back on time or don’t pay it back at all?
If you accept the terms and conditions of the loan offered to you by the lender, you are agreeing to pay that loan back. Partial payment, non-payment or late payment of your loan may result in additional fees, legal collection action, or your failure to pay being reported to a consumer reporting agency (which may negatively affect your credit score).

Every lender has different terms and conditions for their loans. Most lenders are willing to work with you if you should need some help. If you have questions or need more information about your loan, please call your lender directly. If you have any question about use of click here and fill out the contact us form and submit it, one of our customer service representatives will contact you. 

What is the renewal policy?
Renewal policies are different for every lender. As a convenience to you, some lenders may agree to alternative payment options. Some options may result in a renewed loan and additional loan fees. Please make sure to review your lender's renewal policies, and make your payment preferences known to your lender. If you have questions or need more information on renewal policies, please call your lender directly.

Tammy's Cash provides its services in compliance with Federal and applicable law. If you have any questions, issues or concerns, please contact us immediately at


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APR Disclosure. Some states have laws limiting the APR that a lender can charge you. APRs range from 200% and 1386%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000. Not all lenders can provide up to $1,000 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to utilize this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. Independent, participating lenders may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit.

Professional Advice. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans.