Request collection
Site operator and recipients
Consent text and receipt
Know what happens between a request and a lender’s offer
A matching result is a possible next step, not a loan. Identify who receives the request, who makes the credit decision and what changes when you move to another company’s website.
Bottom Dollar Payday is not the lender. This page helps prepare and compare decisions; it does not submit an application or access accounts or application records.
Referral or transfer
Intermediary and destination company
Named destination and transfer explanation
Credit review
Actual creditor
Specific requirements or decision
Review the matching-service stage
No requests are sent to a network here. The selector explains the decision at each stage.
Method, privacy and limits
Options show guidance for the selected stage. They do not verify partners, agreements or application status. No answer is transmitted or stored. [F05]
Keep three decisions separate
Sharing a request
Decide whether to provide information to the named operator and disclosed recipients. This is a data-sharing decision, not acceptance of credit terms you have not seen.
Continuing to a creditor
Review the destination and its requirements. A referral can lead to more verification, a different amount or no offer. Do not assume the first site controls the creditor’s decision.
Accepting a written offer
Read the actual creditor’s agreement. Confirm cash received, total repayment, payment timing and any authorization. A headline from an earlier site is not a substitute for the final contract.
Follow the handoff rather than a progress bar
The CFPB warns that some payday-request websites collect information as lead generators rather than lenders. A useful process explanation identifies the responsible party at each stage; it does not collapse every stage into “approved.” [F05]
| Stage | Responsible party to identify | Evidence of progress |
|---|---|---|
| Request collection | Site operator and recipients | Consent text and receipt |
| Referral or transfer | Intermediary and destination company | Named destination and transfer explanation |
| Credit review | Actual creditor | Specific requirements or decision |
| Offer acceptance | Creditor and borrower | Agreement with costs and dates |
| Funding | Creditor and payment institutions | Release and available-funds confirmation |
Compare services on disclosure, not an imagined lender count
Before using a request service, find whether it explains its role, recipient types and what a result means. Do not assume every potential lender is included, that the lowest-cost offer will be shown, or that the service checks all alternatives for you. [F05]
A claim about a particular network, ranking method or fee arrangement needs that service’s current disclosure. This page does not identify or certify a Bottom Dollar partner network and does not submit your data to one.
Recognize what a change of website means
A new website can have a new operator, privacy notice, inquiry process and support channel. Repeated questions may be part of a separate creditor process, but verify the recipient before re-entering sensitive data.
| What changes | Check before continuing | Avoid assuming |
|---|---|---|
| Domain or brand | Who operates the destination | Same company as the original page |
| Requested amount | What the actual creditor is offering | The requested amount is approved |
| Inquiry disclosure | Whether and when a credit report is requested | Every stage is a soft inquiry |
| Support contact | Who holds the current request | The first site can access every later record |
Use a no-match result to stop and reassess
No match means the service did not produce the stated referral outcome; it is not money available to spend. It also does not by itself explain whether a creditor reviewed an application. If an actual creditor sends a denial notice, review that notice and any applicable report-based rights. [F13]
Check the original expense and payment deadline before making another request. More forms can mean more disclosures and more recipients; they do not guarantee better terms.
Review the actual offer as a separate decision
Compare the net amount after withheld fees, required payments, total cost and dates. Use equal cash received when comparing two offers. Check the payment against a realistic budget and confirm any funding window. A referral does not make a payment affordable or a transfer certain. [F02]
Continue only with the recipient and next action clear
A complete handoff answers: which company receives the information, what it will do, which action you are authorizing and what confirmation you should receive. Keep a private copy of those disclosures. The interactive selector on this page only explains stages; it does not initiate a request, check credit, sign an agreement or notify a lender.
Questions before continuing
Is matching the same as approval?
No. A matching or referral result and a creditor’s approval are separate events. The creditor’s conditions and actual agreement determine the offer.
Does the service necessarily find the cheapest loan?
Do not assume that. Review its disclosed coverage and selection method, then compare the actual offer with available alternatives.
Will selecting my stage send an application?
No. The selector runs locally and produces a next-step explanation. It does not contact a provider.
Related decisions
Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
