Happy Family

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Happy Family

Free Loans for Life’s Unknowns — Up to $500

Retire Your Payday Loans!Grace Period wants to offer you a reasonable solution for all of your cash needs. We are a non-profit organization started with donated funds and partnered with local Pittsburgh, PA churches. Grace Period can help you gain access to funds you need with payday loans as well as cash advance loans, and have resources in place for your next time, and isn’t there always a next time?

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The loans made from this site are without fee, interest or cost (0.00% APR) during the borrower’s "grace period" (loan date thru next pay date, not to exceed 13 days). Loans can be extended beyond this "grace period" at borrower’s option, see Renewal Policy.

Renewal Policy

Should it become necessary for a loan term to exceed the "grace period", we provide borrowers an automatic renewal and access to low cost credit union provided funding (18% APR).

Collection Practices

Failure to repay a loan from Grace Period will result in adverse action being taken against borrower by Grace Period, Inc. and/or a third party collection organization. Collection practices will be in accordance with the principles of any applicable federal regulations at all times.

Implications of non-payment

Additional fees may apply in the event of borrower’s failure or delay in repayment of this loan to the extent they are allowed by law. Grace Period or its assigns may attempt to contact borrowers via one or more authorized methods including phone calls, emails and text to arrange for payment.

Potential impact to credit score:

Timely repayment of a loan may improve borrower’s credit scores. Unlike many other lenders, Grace Period’s credit union partner reports both positively and negatively to the credit bureaus with respect to loan status. Late or missed loan payments can negatively affect your credit score.