The use of this website does not offer a guarantee that you will access a loan. PaydayPeek.com is not a lender. This website is a platform where independent lenders come together to offer loans to applicants who apply through this website. PaydayPeek.com will sell your information to these independent lenders who will, in turn, offer you loan options. The management of PaydayPeek.com does not have any influence on loan decisions made by lenders. Loan options vary and some options may not be available in certain states. In the same way, lenders have different lending terms. PaydayPeek.com does not conduct credit checks on borrowers, however, lenders may conduct such checks when the need arises. Although some lenders offer credit for people with bad credit just like we advertise, such loans are offered with the discretion of the lender. Loan terms, rates, and repayments are discussed with lenders only. The agreement will be between you and the lender. If you have some doubts, clarify issues with the lender. We are in no position to clarify issues on behalf of lenders. Some loan applications may take longer than advertised by PaydayPeek.com. These instances are usually due to incomplete documents or delay in verifying certain claims. Short loans offered by lenders should be taken with caution. These loans tend to be expensive if they used as long term financial solutions.