Unified Network for Easy Payments

Unified Network for Easy Payments (UNEPInquiry) is a U.S.-based online financial technology platform that connects individuals facing short-term financial stress with a network of licensed payday lenders through a fast, secure, and state-compliant process. Founded in 2010 and operating in 30+ U.S. states, UNEPInquiry offers a non-lending intermediary service, specializing in payday loan matchmaking, particularly for borrowers with bad credit scores or limited financial history. With a strong emphasis on cost transparency, data security, and user education, UNEP supports loan seekers by streamlining requests for short-term loans typically ranging from $100 to $1,000, with repayment periods of 2–4 weeks and average fees between $10–$30 per $100 borrowed. The platform provides 24/7 encrypted application access, next-business-day funding options, and a user-centric loan estimation tool that calculates repayment schedules based on borrower inputs. Serving more than 100,000 users nationwide, UNEPInquiry is known for its A+ BBB rating, responsible lender screening, and informative borrower guides covering legal rights, smart repayment strategies, and alternative loan solutions. Headquartered online at UNEPInquiry.org, the platform operates as a bridge—not a lender—focusing on speed, clarity, and compliance to help users make informed, pressure-free decisions when managing urgent expenses like rent, utilities, auto repairs, and medical bills.