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Payday Cash Advance - Helper is not a lender and does not make credit decisions. We are an advertising service that helps users connect with third-party lenders. Loan availability, terms, and rates are determined by the lender and are subject to approval based on factors such as credit history and other eligibility criteria. Approval is not guaranteed. Loan terms, including interest rates and fees, vary by lender and state regulations. Late or missed payments may result in additional fees, collection activities, or negative impacts on your credit score. Short-term loans should be used responsibly and are not intended as a long-term financial solution. If you are facing financial difficulties, we recommend seeking professional financial counseling. This app does not process any financial transactions and does not issue loans or funds. Our service is solely for informational and advertising purposes, helping users explore potential loan options. By using this app, you acknowledge and agree to these terms.