01
TELL US WHAT YOU NEED
Open Payday Loans: BJS Finances and enter how much you're looking for — anywhere from $50 to $5,000 — along with a few basic details like your name and contact info. That's it to get started. No long forms, no paperwork.
HOW IT WORKS
HOW BJS Finances WORKS
BJS Finances isn't a lender. We're a search service — you tell us what you need, and we look across our network of providers to find options that fit. Here's exactly how that happens.
THE WHOLE THING, IN THREE MOVES
Before the details, here's the shape of it.
You ask
Enter an amount and a few basics.
We search
We check our provider network for matching options.
You choose
Compare what comes back and pick the provider that works for you.
That's the entire model. No applications to a hundred lenders, no guessing — one request, real options back.
STEP BY STEP
02
WE SEARCH OUR NETWORK
BJS Finances takes your request and checks it against our network of third-party providers to find options that match. Your information is encrypted from the first tap, and nothing is shared with a provider until you say so. We don't make any lending decision here — we search and match.
03
COMPARE YOUR OPTIONS
You'll see the options that came back, laid out so you can actually compare them: amounts, terms, and APRs from different providers, side by side. No fine print buried out of sight — the numbers that matter are right there.
04
CHOOSE AND CONTINUE
Pick the provider that fits and continue with them directly. From that point, the loan — its rates, terms, and final approval — is between you and that provider. They set the terms; BJS Finances steps back.
WHAT WE ARE — AND WHAT WE'RE NOT
We are
- A search service that matches your request to a network of providers
- A free, no-obligation way to compare options in one place
- A tool that keeps you in control of who sees your data
We're not
- A lender — we don't loan money ourselves
- A decision-maker — we don't approve, decline, or set rates
- A data reseller — we do not sell personal information for direct monetary payment
All lending decisions, rates, and terms are made and set by the third-party providers you choose to continue with.
YOUR DATA, EVERY STEP OF THE WAY
Your information is encrypted from the moment you enter it. We may share it with participating providers when you request a match or choose to continue toward an offer. It's yours to review, update, or delete anytime in Payday Loans: BJS Finances.
Learn more about security →
WHAT TO KNOW BEFORE YOU START
A few basics so there are no surprises.
18 or older, U.S. resident
Eligibility
$50 – $5,000
Loan amounts
70 days – 36 months
Terms
6% – 35.55%
APR range
Free, no obligation
Cost to search
Approval is not guaranteed. Actual rates and terms are determined solely by the providers you choose.
QUICK QUESTIONS
Entering your request takes a couple of minutes. Searching the network happens right after, so you see options without a long wait.
Yes. Searching for options through BJS Finances is free, with no obligation to accept anything.
Searching with BJS Finances doesn't affect your score. A provider may run a credit check once you choose to continue with them — they'll tell you first.
READY WHEN YOU ARE
The whole process lives in Payday Loans: BJS Finances — from your first request to your final choice.
Free to download · iOS only · 18+ · U.S. only
