A payday loan is a type of short-term borrowing where an individual borrows a small amount at a very high rate of interest. The borrower typically writes a post-dated personal check in the amount they wish to borrow plus a fee in exchange for cash.
Find your state to review the applicable laws and regulations governing
cash advance loan rates and fees in your state:
Blue Sky Loans wants consumers to be educated, make smart financial decisions, and to be protected from malicious personal consumer lenders and other unsavory businesses that engage in unlawful and unethical lending practices.
Blue Sky Loans's policies and practices conform to applicable provisions of fair lending laws like the Truth in Lending Act. Before a consumer enters into a loan agreement, the lender should provide you in writing (this can be electronically) with the exact fees, rates, charges, roll over charges and other details. Visit the Rates and Fees section of this website to learn about current regulations and laws in your state.
The Dodd-Frank Wall Street Reform Act states that all lenders must engage in "fair lending" practices. The Consumer Financial Protection Bureau enforces fair lending rules and regulations.
Blue Sky Loans is committed to working with lenders that obey the Fair Debt Collection Practices Act. Blue Sky Loans is not the lender or debt collector. Lenders in our network are required to avoid the following practices:
Blue Sky Loans will not do business with lenders that intentionally and repeatedly violate the Fair Debt Collection Practices Act.
Current State Regulations
Blue Sky Loans encourages lenders to follow applicable federal and state regulations. This includes conformity with local laws regarding interest rates, maximum loan terms, rollover limits, fees, cooling-off periods in between loans, and other loan terms. Lenders that are an extension of a federally recognized Indian Tribe act as independent sovereign nations and may not be required to follow local laws regarding rates, fees and other loan terms, although such lenders conform to federal lending laws including the Truth in Lending Act.
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Consumer Notice: Payday Loans Are Not A Long Term Financial Solution. Borrowers Facing Debt And Credit Difficulties Should Seek Professional Financial Advice. Borrowers Are Encouraged To Review Local Laws And Regulations Governing Personal Loans.
Availability: This Service BLUESKYLOANS.NET Is Not Available In All States. Please Review Local Laws And Regulations For Availability In Your Particular State. The States This Website Services BLUESKYLOANS.NET May Change From Time To Time Without Notice. All Actions Taken On This Site, Or Legal Concerns Addressing This Site, Are Deemed To Have Taken Place In Nevada, Regardless Of The Location From Where You Access This Site.
Disclaimer: This Website BLUESKYLOANS.NET Does Not Constitute An Offer Or Solicitation To Lend. The Operator Of This Website BLUESKYLOANS.NET Is Not A Lender And Does Not Make Credit Decisions. Rather, We Provide A Marketplace Service Where We Connect You With Lenders In Our Network. We Cannot And Do Not Control The Actions Or Omissions Of Lenders In Our Network. We Are Not An Agent, Representative Or Loan Broker To Any Lender And We Do Not Endorse Any Particular Lender. Our Marketplace Service Is Always Free To You. If You Are Ever Asked To Pay A Deposit Or Advanced Payment In Order To Get A Loan, You Should Not Proceed.