Online Payday Loans

It only takes 5 minutes

Get Started Now!

Online decision

Safe and Secure

Bad Credit Ok

24/7 Customer Service

    Why choose us?

  • Apply Online 24/7

  • We don’t charge any fees

  • Simple, Easy Loan Application Form

  • 150+ lenders

  • No check credit history

  • Flexible Payment Options

  • Cash in Bank Account


issued loans


satisfied customers



3 Steps to Get Money Online

  • APPLY. Fill out the short and easy online application. It’s 100% safe and fast. No more wasted time preparing a bunch of papers!

  • APPROVED. Obtain fast approval of your application in a minute from a multiple reliable lenders.

  • RECEIVE. By the next business day check the bank account to make sure your money were transferred successfully.

Don't waste your time!

Get a Loan Online

A payday loan is a high-cost, short-term loan, that usually ranges from $300 to $400, which is intended to be repaid as soon as you get your next paycheck. In order to get a payday loan, you only need a stable source of income and bank account. Payday loans $200 loan instant approval are often issued to people with bad or non-existent credit score. Keep in mind that you’ll face more fees and interest rates if you can't pay it back in time. All of this is going to significantly increase your debt.

Payday loans are different in practically every state. They are also known as deferred deposit, cash advance, credit access business, deferred presentment, etc.

How Online Payday Loans Work

Payday loans have such a name because they usually come due cashnet loan on the next payday of the borrower. They are very different from regular bank loans. Let’s take a look at the differences:

  • Smaller amounts. There is a cap on how much cash you can borrow in most states. This limit varies from $300 to $1,000, the most common of which is $500. According to the Pew report, loan's average size is $375;
  • Shorter terms and conditions. A payday loan sunday payday loans should be reimbursed as soon as you get your next paycheck. In most situations, this means that the loan term is two weeks, although it may be as long as a month at times;
  • Few installations. You pay back the money bit by bit in installments with a normal bank loan. It’s different with payday loans, as you have to pay back the entire amount at once;
  • High interest. The interest you pay if you borrow money from a bank depends on your credit rating and the type of loan you get. A lender with an outstanding credit score may receive a 3 percent or less annual percentage rate. On the other hand, someone with bad credit will pay 25 percent or more for an unsecured personal loan. With online payday loans, all of the borrowers are charged at the same rate. For example, if you borrow $500, you will have to pay $75 in interest;
  • No credit check. Before giving you a loan, banks check your credit to decide how much to charge you. And if everything is really bad with your credit, you may not be able to get a loan at all. And in order no income verification personal loans to get a payday loan, you don't need a good credit score or any credit score at all. All you need is a bank account, income verification and an ID proving you are at least 18 years of age. If you have everything with you, you can get your money in less than 60 minutes;
  • Automatic repayment. When you take out a payday loan, you provide a signed check or other document that allows the borrower to take money from your bank account. In case you don’t show up to repay the loan as planned, the lender will either cash the check or take the money from your account;
  • Easy renewals. When you know that you can't afford to pay your loan on time, you can renew it online before it comes due. You pay a fee equivalent to the interest you owe and have another two weeks to repay the loan. However, some states don’t allow that, so another choice would be to take out a second loan to cover what you already owe on the first one.

How Safe are Online Payday Loans

You probably have hundreds of nearby payday lenders to choose from, especially if you live in an urban or suburban area. You can typically use the internet even in rural areas to find a company willing to lend you some cash.

However, not all of these payday lenders missouri loans bad credit are trustworthy. Looking for businesses that are properly licensed is probably the best way to tell the difference between a safe payday loan and a scam. All approved payday lenders must comply with strict laws passed by the federal government and your state. You can be sure that you have a lot more protection from fraud since they have to follow these rules.

Another simple way to find out if online payday lenders are reliable is to check if they are licensed. They always specify such information on their official website, so checking that information is the first thing you should. You can also check this data by contacting the attorney general of your state. Keep in mind that an online lender approved in one state may not be allowed to lend money to people in other states.

When looking for safe online loans, finding a licensed borrower is not the only thing to consider. Many businesses who identify themselves as lenders do not necessarily lend you money on their own. Some of them are lead generation platforms that transmit information about your personal loan to online lenders. And it is best not green tree loan company to give your personal information to a website that sells it to other businesses. You never know who will have access to your personal information.

If you're not sure what a website does, inquire if it's a direct lender. A direct lender deals with all facets of the borrowing process. A direct lender will review your request, manage the approval process and send you the money. It's a simple process that keeps your data safe. When in search of a decent online payday lender, make sure that:

  • The lender is approved in your state;
  • The loaner is directly from the company;
  • None of your personal information will be distributed to third parties.

What You Need to Get a Payday Online

You will need to provide the following tribal loans online direct lender to be eligible for loan approval:

  • Your home address;
  • Your source of income;
  • Social security number;
  • Details for a checking account that can accept electronic transfers;
  •  In some states you might need to provide additional documentation so that online payday lenders can confirm your income. You will need to simply upload all of the necessary documents on their website.

There might also be cases when payday online lenders might not provide you with a payday loan, even if you have income and a bank account. These include:

  • If you don’t make enough money. Lenders typically require a monthly net income of at least $500;
  • You do not meet the requirements for repayment. States may have specific laws restricting how much of your earnings you may spend, and each lender may have its own algorithm to calculate the risk of you not paying back;
  • You already have an outstanding loan. Lenders my cash now subscribe to a company capable of real-time tracking of loans;
  • You are serving in the army. Federal law makes it impossible for payday lenders to make short-term loans to military members at more than 36 percent APR;
  • You've had a bankruptcy recently;
  • You have recent bounced checks;
  • You haven’t been employed long enough;
  • Not enough time has passed since you opened your bank account.

How Much You Can Borrow With an Online Payday Loan

According to the CFPB, the typical payday loan is $350 over a two-week period. Nevertheless, depending on the laws of your state, payday loans can range from $50 to $1,000. Currently, there are 32 states that allow payday loans with a total loan amount that is capped.

Some states also restrict each payday loan to 25 percent of the monthly income of the borrower. The loan rates, fees and the total loan amount are capped for the 32 states that allow payday lending.

Payday Lending Laws

Payday lending laws are different from state to state. States are divided into three fundamental groups:

  • Permissive states. There are very few limits on payday loans in 28 states. For each $100 lent, lenders can charge $15 or more and can demand full payment on the next payday. However, even some states have some limitations. Many put a limit on how much money users can borrow–either a dollar amount or a percentage of monthly income need 500 dollars fast of the borrower. In addition, federal law bars lenders in all jurisdictions from paying an annual percentage rate (APR) of more than 36 percent to active-duty military members. Most payday lenders address this policy by refusing to make loans to members of the company;
  • Restrictive states. There are no payday loan offices in 15 states, including Washington, D.C. Some of these states have specifically outlawed payday lending. Others have put a limit on interest rates–usually about 36 percent APR–which makes payday loans unprofitable, so all payday loan offices have closed down. Nevertheless, borrowers can still receive loans from lenders in these states;
  • Hybrid states. Eight other states have a medium regulatory standard. Some cap the interest payday lenders may charge at a lower rate–usually about $10 for every $100 borrowed. It results in an annual interest of more than 260 percent based on a two-week period, which is enough to make a profit for payday lenders. Others restrict the amount of loans every borrower can make each year.

Frequently Asked Questions

What is a payday loan?

Payday loan is a short-term high-cost loan up to $1,000 that is used to fund emergency expenses. Such a loan is extremely popular among borrowers, who use payday loans for small home repairs, health and utility bills, and other unplanned expenses. A payday loan has to be paid back as soon as you get your next paycheck.

What is the maximum amount of cash I can borrow with a payday loan?

The total amount of money is based on creditworthiness of borrowers, state laws, and lenders. Payday loans are limited to $1,000 total.

How to apply for online loans?

Simply fill out the application cash advance near me form from any place that is convenient to you. Some lenders may ask you to send the documents by fax, but it can also be done electronically. Funds will be deposited via electronic transfer as soon as you are approved.

What are the basic requirements to get an online loan?

  • American citizenship or permanent residence;
  • Be at least 18 years of age;
  • Have a checking account;
  • Have a stable source of income.

Is a credit check required to get a payday loan?

No, so you can easily get an online payday loan even with a bad credit score.

What is the payday loan APR?

The payday loans APR or interest rate depends on the lenders terms and the laws of the state. Short-term unsecured loans, such as payday loans and cash advances, have a very high interest rate up to 1386%.

How long does it take to get an online payday loan?

The decision on the loan is nearly instantaneous and takes only 5 minutes. The lender's final loan approval can take between one hour and one business day.

How can I receive my loan?

If the loan is approved, the lender will deposit the funds to your bank account within one business day.

How can a loan be repaid?

Payday loans with all interest and fees should be paid back in full with the next paycheck. Speaking of installment loans or personal loans, borrowers have months or even years to pay off the loan. Each month, borrowers are required to pay fixed installments.

Where can I use the money I have borrowed?

The lender will never ask you what you need cash for. Thus, you can use your borrowed money in any way you like.

How does my credit score impact a loan?

You can fix or damage your credit rating by taking out a loan. Timely settlement of the loan would boost your credit rating. Late or no payment will leave a negative mark on your credit report.

What if I can't fully repay the loan on time?

If a borrower is unable to completely repay the loan on time, there may be additional charges and interest. These future charges will always be disclosed before a loan offer is accepted. If you want to negotiate a new repayment schedule, simply contact your lender.