In an emergency, payday loan is a lifeline.

Connect with direct lenders to meet unexpected expenses with hassle-free, timeless online payday loans.

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Why Payday Loan?

Are you stuck in an emergency with no penny in your pocket? Didn’t you pay your bills up till now? Payday loans assist you in managing financial crises. These are short term non-collateral loans, usually for a month, payable on your next paycheck. Apply with your smartphones, tablets and laptops and get instant cash. Take a payday loan for up to $2500 and foot your bills immediately.

Apply For Payday Loan

Fill Application Form

Start an online application for a loan request.

Approval By Direct Lenders

Get Approved

Get approval from a direct lender in minutes.

Paperless Payday Loans

Upload Paperwork

Upload all documents required for the loan.

Get Cash In Bank

Grab Your Cash

Receive money into your bank account by the lender.

How Does Payday Loans Work?

You can take payday loans through:

  • Online payday lenders
  • In-location payday lenders

For an online payday loan, you fill a form with all required credentials. In an application, you commit to return the borrowed amount along with some additional fees on your next paycheck. This request form is then sent to direct lenders. These lenders review your form, may check your credit score and approve your application.

In some cases, lenders will send you a loan agreement by email, which you sign electronically.

You have to pay the lender on your next paycheck. However, lenders may renew and rollover your loan; extend your due date with another additional fee.

Payday Loans vs Other Loans

Payday Loans vs Personal Loans

The payday is for a shorter period and must be paid within a month. On the contrary, the repayment of personal loans can take up to 2 years. Similarly, payday loans are easier to access than personal loans. Personal loans require credit checks too.

Payday Loans vs Installment Loans

Both payday and Instalment loans are similar to each other only their repayment is a bit different. Payday loans are payable in one time with the principal amount plus a fee for the loan.

On the contrary, an instalment loan is the best option if you cannot or do not want to pay a lump sum amount at one time. Similarly, while lending personal loans, different lenders can do a credit check.

Payday Loans vs Title Loans

Title loans are also short term loans but keep a vehicle as collateral. What does collateral mean? Collateral is a security a borrower keep with a lender for loans. Title loans can also be roll-over, but a lender can possess your vehicle if you cannot pay the loan.

Payday Loans vs Pawnshops

In payday loans, you commit to paying on your next payday. However, in pawnshops, you get the amount on the value of the items you keep as collateral with the lender. That value can be on your jewellery, car, electronics and so on. Pawn loans do not impact your credit scores.

Direct Lenders vs Brokers

For payday loans, you usually have two options:

  1. Apply directly with a lender
  2. Apply through a loan broker

We prefer using the second option. In a typical case, if you apply directly to the lender, you will need to invest much time and effort to search for a lender separately and bid for your payday.

Therefore, we recommend brokers because brokers can connect you with the pool of leaders.

A loan broker connects you with direct lenders who can approve your loan. So you don’t need to go here and there, and in one application, you get everything right in one place.

Payday Advance Loans on Bad Credit?

To understand the whole science, let’s first explore what bad credit is?

Bad credit refers to bad credit scores. Now, what is a credit score? A credit score is a three-digit number revealing how you are at paying the borrowed amount on time. It usually scales between 300-850. As per the FICO score, “a score above 670 is generally considered a good credit score.

Now, what happens when a person has a poor credit history, which means if he couldn’t repay his loans on time, many lenders refuse cash advances. In such a scenario, a person can face financial difficulties.

However, we don’t have such policies. You can request fast cash loans even if you have a bad credit score.

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Easy Approval of Payday Loan

Once you fill the application form, we direct the form to our pool of lenders. Those lenders decide whether they want to approve your loan request or not.

Before digging into the lengthy discussion, let’s first check the requirements or eligibility criteria for applying for a loan.

Eligibility Criteria for Same Day Payday Loans Online

  1. You must be an adult – 18 years above while applying for payday loans.
  2. You must have a stable income with salary proof.
  3. You should not be dependent.
  4. You should have an active bank account.
  5. You should not be a part of military service.

Before applying for loans, check your eligibility criteria. Remember, many online lenders do not provide bad credit loans. Don’t despair. With us, you can apply for a payday by fulfilling all the above criteria even if you have bad credit scores.

Now you can start your application process along with the documents required for submission.

Documents Required for Approval

While requesting your loan, you need to submit the following details and documents with complete personal and financial information.

  1. Personal Details
    1. Phone number
    2. Social Security number
    3. Home address
    4. Email address
  2. Income details
    1. Income type
    2. Salary
    3. Pay cycle
  3. Bank Details
    1. Account number
    2. Routing number

Remember: this is a general checklist. It may be possible that a lender can ask for more details.

Time Required in Approval Process

Once you have finished the application, now is the time to approve the loan. Your application moves to different lenders, but the decision of application is made automatically. So you can get approved as soon as the next business day and funded in seconds.

Why the Payday Loans Online Application Can Be Denied

You can check your status by logging into your account at our website. If your application is approved, you will immediately get an email, or message or phone call. However, if your application is denied means you don’t meet the eligibility criteria mentioned above.

Repayment of Payday Loans

Lenders have various repayment terms. In an online system, you do not need to leave your house for repayment of your loan. What you need is enough amount in your bank account to repay loans. You need to:

  1. Log into your account of lender’s website
  2. Transfer the money from your bank account.

Though, through a website money transfer in seconds after your click, the bank takes up to 3 days for direct deposit into the lender’s account.

What Happen If I can’t pay the money to the lender?

A borrower can ask the lender to roll over the loan if, in any case, the borrower couldn’t repay the loan, but this depends on the laws of the borrower’s state. The borrower now pays a fee, and the loan is extended.

Suppose you have borrowed $500 with an additional fee of 15 for every $100 amount borrowed. You will pay a lump sum of $575. However, if you couldn’t bear the amount and ask for roll-over, now you will pay a fee of $575, not $500. Which means your total has significantly increased.

Frequently Asked Questions