FAQ
QUESTIONS, ANSWERED
Everything you might want to know about how BJS Finances works, what it costs, and how your information is handled.
HOW IT WORKS
You tell us how much you need in Payday Loans: BJS Finances, and BJS Finances searches its network of third-party providers for options that match. You then compare what comes back and choose the provider you want to continue with. We handle the search and matching — the lending itself is done by the provider.
No. BJS Finances is a search service, not a lender. We don't loan money, approve or decline anyone, or set rates. All lending decisions and terms are made by the third-party providers you choose.
You don't apply through BJS Finances directly. You enter what you need in Payday Loans: BJS Finances, we search the network, and you pick a provider from the matching options. You then continue the process with that provider on their terms.
Entering your request takes just a couple of minutes. The search runs right after, so you see matching options without a long wait. How quickly you receive funds after that depends on the provider you choose.
From that point, the loan is between you and that provider. They handle approval, set the final rate and terms, and manage repayment. BJS Finances steps back once it's connected you.
MONEY & COST
No. Searching for options through BJS Finances is completely free, with no obligation to accept any offer. You only move forward if something fits.
Loan amounts across our network range from $50 to $5,000. The actual amount available to you is determined by the provider, based on their criteria.
Terms range from 70 days to 36 months, with APRs from 6% to 35.55%. The exact rate and term you're offered come from the individual provider you choose.
BJS Finances doesn't set rates. The provider does, typically based on the amount you're borrowing, your repayment term, and your credit profile. Stronger credit and shorter terms generally tend to mean lower rates — which is why comparing options is worth it.
DATA & SECURITY
Yes. 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.
Participating lenders and other financial providers when you request a match or choose to continue toward an offer, so they can evaluate eligibility and present options. We also use service vendors under contracts that limit how they use your data.
We do not sell personal information for direct monetary payment. When you request a match or choose to continue toward an offer, we may share relevant details with participating providers. BJS Finances may also receive compensation from partners when you click an offer, submit an application, complete a registration, or activate or fund a product — that is separate from selling your data. See our Privacy Policy for more, including California opt-out rights.
Yes. You can review, update, or delete your information anytime, right from Payday Loans: BJS Finances.
Searching with BJS Finances doesn't affect your credit score. A provider may run a credit check once you choose to continue with them — but they'll let you know before they do.
ELIGIBILITY & BASICS
BJS Finances is available to U.S. residents who are 18 or older.
You can search regardless of your credit. Whether you're approved, and on what terms, is up to the individual providers — some work with a broad range of credit profiles, but approval is never guaranteed.
No. Approval is never guaranteed. BJS Finances searches for options, but the decision to approve a loan rests entirely with the third-party providers.
Just the basics: how much you're looking for, and a few personal details like your name and contact info. You'll need to be 18 or older and a U.S. resident. That's enough to start a search.
READY TO LOOK?
Search options and compare providers — it all happens in Payday Loans: BJS Finances.
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