Advertiser Disclosure
Transparency about how this free site stays free — and how that relates to the information you see here.
Last updated: October 13, 2026
NeedCashBeforePayday.com is a free-to-use website. Like most free financial-information sites, we support our operations through relationships with lenders and lending networks. This page explains exactly how that works so you can weigh our content accordingly.
How we're compensated
When a visitor submits a request through our site and is subsequently matched with, or clicks through to, a participating lender or lending network, we may receive a referral fee or advertising payment from that lender or network. This is standard practice across the loan-comparison industry and is how we're able to offer our educational content and matching service at no cost to visitors.
Does compensation affect what you see?
It can affect the order or presence of certain lender offers, in the same way any advertising-supported comparison site works. It does not affect:
- The accuracy of our educational content on APR, fees, and state regulations;
- Our recommendation to consider lower-cost, non-profit alternatives first, which we present regardless of any referral relationship;
- The rates, fees, or terms a lender ultimately offers you — those are set solely by the lender.
We do not guarantee results
Being matched with a lender is never guaranteed, and neither is approval or any specific rate or term. Not all lenders are available in all states, and lender participation in our network may change at any time without notice.
Our independence
No lender or lending network is able to pay for a change to our editorial content, our APR examples, or our recommendations on this site. Editorial decisions are made by our content team, described on our About Us page, independently of our advertising relationships.