Will An Unpaid Payday Loan Go On My Credit Report?

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Easy and Quick

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Fast Funds

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Longer Term
Longer Term

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The cash advance loan lenders don’t actually deal with your credit reports while issuing you the loan. But when it turns out in the hands of debt collectors, then there’s a chance that they may report to the credit bureaus. This may lead to a reduction in your credit score. Thus you may have to face the heat only when you are in case of default.


The payday loans are the short term loans that fulfill your emergency requirements. They can be issued to you in the range of $100-1500. If you take the cash advance loans and fail to repay them on time, the lenders try to contact you. If you try to avoid them, the short term loan lenders will hand your account over to a debt collection agency.

Those agencies might report your credit score to the leading credit bureaus like Transunion, Equifax, and Experian. Your credit score, in this case, might take a beating. Thus there are chances of reporting your credit score only at the case of default



If you don’t land in a case of default, your credit score is as safe as in the locker. The ultimate thing you can do is to escape from being the default. It can be done in two ways.

You can talk with the cash advance lender and negotiate the amount you can pay so that you can avoid your account being handed to a debt collection agency.

There’s another alternative as well. You can ask your lender for the extension of the repay date if you are short of funds and can’t repay the loan. It gives you enough time until your next paycheck.

We at CashUSA24/7 provide you with the option of extension of rolling your existing loan with a new one so that you can get enough time to repay the loan. We protect your credit rating and keep your privacy intact by not letting your details out to anyone. Apply now at CashUSA24/7 and get the instant loan delivered at your account the same day.