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The operator of this website is NOT a lender, and we do not make credit or loan decisions. This website does not constitute an offer or solicitation to lend. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. We provide online cash advance and payday loan online referrals on our website. If a customer is looking for a cash advance or payday loan online, we help connect them with a network of companies who offer payday loans and cash advances. Our website features a secure application requesting information that lenders within our cash advance and payday loan referral network will use to decide whether they want to offer a customer a cash advance or payday loan. The information that they need in order to make cash advance or payday loan decisions about each customer includes name, address, home and work phone numbers, and email address. They also need a customerâs birth date and social security number to comply with the US Patriot Act. How Bad Credit Can Affect You Sure, bad credit can make it harder for you to get a loan but it affects other things, too. First Choice