Borrow $3,000 Online
with Dime Alley
Dime Alley can help you Borrow $3000, even if you have bad or poor credit. We will connect your application to a US loan provider who can offer you the best rates. Our online application process is quick, easy and can help you secure $3,000 without impacting your credit score.
Can I Borrow $3,000 With Bad Credit?
No matter your credit history, Dime Alley will consider your application for a $3,000 loan!
Our trusted lenders work with customers will all kinds of credit histories. They take your financial history into account and then offer you the best rates they can.
We aim to make already stressful times that bit easier by helping customers with varying credit records.
In fact, if you borrow $3,000 and pay it off as you have agreed you would, your credit history could be improved. This can make it easier to secure loans in the future should you need them.
How Do I Repay My $3,000 Loan?
Repayments will be withdrawn from your checking account on a monthly basis, on the same date, until you have paid off your $3,000 and accompanying interest. You and your lender will agree on the repayment date together, but most opt to choose their pay day.
Payments are made in equal amounts and if you can, most lenders welcome early repayments. However, you should be clear on the repayment terms before deciding to alter your repayment plan.
How Much Does a $3000 Loan Cost?
Strong credit: Borrow $3,000 over 3 years, total interest paid $587.15, total $3,587.15, based on APR of 12%
Fair credit: $3,000 loan repaid over 3 years, total interest paid $1,013.67, total $4,013.67, based on APR of 20%
Poor Credit: Borrow $3,000 repaid over 3 years, total interest paid $1,946.81, total $4,946.81, based on APR of 36%
What is the Price Cap on a $3000 Loan?
A payday loans interest cap is a limit on how much interest lenders are allowed to charge borrowers for taking out a payday loan.
The goal of an interest cap is to protect borrowers from excessively high interest rates in an attempt to make loans more affordable and also to deter lenders from predatory lending.
The price cap on your $3000 depends on which state you reside in. In Illinois and Nebraska, this is currently set at 36%.
Am I Eligible To Borrow $3000?
As long as you meet the following four eligibility criteria, then you are eligible to apply for a $3,000 loan with us:
- Are over 18 years of age
- Have American citizenship
- Have a minimum monthly income of $800
- Have a current account for us to deposit funds into
How Fast Can I Borrow $3,000?
You could have your $3,000 deposited into your account within 24 hours of applying for a loan with us.
As soon as we receive your application, we connect it to one of our trusted lenders who is best suited to you.
We aim to provide you with your $3,000 loan the very same day that you apply.
Can I Borrow $3000 in Canada?
Yes! Our lenders operate both in the US and in Canada. Whether you live in Toronto, Vancouver or Montreal, you can apply online today and receive funding in less than 24 hours – even with bad credit!
So, as long as you are at least 18 years old with a permanent address in Canada, and with a regular income, live checking account and email address, feel free to apply to borrow $3000 payday loans in Canada!
What People Say About Us
“I found the experience overall easy to use. I had to sign an agreement online and all the terms were there and very clear. I would do it again if I needed some money.”
Imani, Georgia, March 2021
“Dime Alley helped me when I had an emergency. It was fast, simple and effective and I would recommend them to anyone who needs a loan.”
Jane, Nevada, November 2022
“I found Dime Alley on Google and applied in a few minutes. I got an instant decision and approved on the same day and was able to pay to have my car repaired immediately. I paid back the loan in 2 weeks and was sorted.”
Bob, Florida, July, 2021
More Frequently Asked Questions
What is the Repayment Period on my Loan?
Customers can repay over 1 month to 60 months (or equal to 5 years) – this will depend on whether you prefer the payday option which may be just a few weeks or months, or the longer installment option which can be several years to stretch out your repayments.
Payments are usually made in equal monthly installments from the bank account you choose and you always have the option to repay early if you would like to do so.
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Can I Borrow $3000 Legally in my State?
We provide loans in all of the 37 states which approve payday loans. These include California, Texas, Alaska, Michigan and Nevada.
In some states, regulation limits how much we can lend. For example, we can only provide loans of up to $300 in California and $1,000 in Delaware.
Some states forbid payday loans completely. There are currently 13 states who have this legislation in place.
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Am I Charged a Fee for using Dime Alley?
No! We will never charge fees for using our service.
Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.
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Is Dime Alley a Broker?
Yes! Dime Alley is a broker, meaning that if you’re approved, we don’t provide the funds for your loan directly. Instead, we connect you to a lender best suited to your situation from our trusted panel.
Do not worry though, your information is completely secure and will not be sent or shared with any other companies or third parties and we certainly will not charge you anything for using our service.
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