About Your Payday Advance Company

1. In this day and age it is very difficult if not impossible to obtain a small unsecured personal loan (no credit checks performed or collateral provided) from a banking institution.
2. Penalties for "Non-Sufficient Funds" checks have risen to a level that can easily exceed the amount of the original check and yield extremely high APR % rates.  Additionally, some institutions will suspend or terminate checking account privileges should a given number of NSF transactions occur.
3. "Past Due" charges on credit cards, utilities, etc. have accelerated to high APR % rates, and can have negative implications on an individual's credit rating.
4. Payday advances have no impact on your credit rating (if paid as contracted).
5. The payday advance business is relatively new and only recently has started becoming regulated.  As in many cases where regulations do not exist, some companies chose to become predators of the consumers in need.

YPAC provides reasonable rates so our customers will feel comfortable using our payday loans whenever needed. We will do our best to counsel you from entering into what we feel could be a financial devastating situation.