Up to $1,000 Emergency Cash Advance from Paydayplus.net


  • Bad Credit OK
  • Only direct lenders
  • Quick funding

Find out if you qualify for a loan without any affect on your credit score

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Why Payday Loans from direct lenders?

Applying for short-term cash advance online you get access to a wide range of direct lenders. You can compare their rates and fees, choos ethe most affordable terms. To get the money you just need to fill out a short application form (no more than 2-3 minutes), check the offers from direct lenders and get the funds deposited into your bank account within 1 -2 business days

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Why Instant Cash Advance Online?

Payday Loans are known to be fast or instant cash for any needs! As we receive a loan application and find a company (companies) with the best terms, we immediately contact you. Processing takes only several minutes. As soon as you're approved you can get the funds even the same day.

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Why choose Payday Loans?

  • You get instant decision from direct lenders.
  • Apply online or in-store filling out our simple form.
  • The funds are deposited directly into your account within 24 hours.
  • Compare the top-rated direct lenders online, get matched with the one which suits your requirements and is ready to approve you.
  • Bad credit is not a problem .
  • No hard credit check in most cases.
  • Unsecured, no guarantor or collateral required.

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Are Payday Loans Legal in Your USA Home State

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Paydayplus.net Cash Advance Online or Near Me

Payday Loans are one of the quickest and easiest ways to get instant cash when you urgently need it. A short-term cash advance is provided in small amounts up to $1000 for the terms of 14 - 30 days and repaid in a lump sum usually with your next paycheck.

Why choose paydayplus.net?

You have faced a financial emergency. We make it easy to apply for the money you need in a matter of minutes.

  • You don't always have time to go to a local cash store —  apply online 24/7.
  • Our application is short and easy, eligibility criteria - simple.
  • We provide instant decision no matter what your financial situation may be.
  • Bad credit is not a problem. We take into account other criteria such as your income, employment, etc.
  • No hard credit check is also possible, which will let you avoid a negative effect on your credit history.
  • We don't require any guarantor or collateral, you don't risk any property even if you don't pay off on time.

Paydayplus.net will help you compare short-term loan rates and fees

The total cost of an unsecured Payday Advance Loan mostly depends on the APR (Annual Percentage Rate) and the term. The average APR for Payday loans in the US is 400%. As the repayment term for Payday Loans doesn’t exceed one month the overpay is not that high. For $100 borrowed for a month you will pay only $1 a day. Not much, isn't it? Apply for the necessary online cash advance amount right now and solve all your problems for the cost of a cup of tea.

Paydayplus.net must warn you about Payday Loans risks

Before applying for a Payday Loan consider other fast cash advance alternatives which may turn out cheaper and safer such as:

  • Installment Loans and Personal Loans,;
  • Debt Consolidation Loans, Credit Builder Loans;
  • Cash advance from Credit Cards;
  • Social services and local assistance programs;
  • Additional earnings;
  • Start recycling for money;
  • Help from your employer, creditors, family, and friends;
  • Traditional banks or credit unions.

And keep in mind that the most important thing about any loan, especially Payday Loan is to pay it off on time. It helps you avoid rollovers, renewals, or extensions and increases your chances to get out of debt fast and easy.

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Get instant approval for a Payday Loan 100% online 

You've probably surfed the Net looking for a cheap quick and safe way to get urgent cash advance. Then you are at the right place. We do not guarantee any miracles, but we do promise that after reading our article on Payday Loans, lenders, rates and fees, online and in-store borrowing you'll have neither questions nor misunderstandings left. Our honest friendly customer service aims not at making profit but at helping you. We give you a choice of comparing lenders or getting information on cash advance or filling out an easy online application form. Any variant you choose will lead to the same result - you'll be satisfied.

What are Payday Loans? 

Before diving into a great number of Payday cash advance terms, definitions, statistics, etc. it’s necessary to define the notion of a Payday Loan at first and state their difference from other loan types. According to the Consumer Financial Protection Bureau, it's usually "a short-term, high cost loan, generally for $500 or less, that is typically due on your next payday. Depending on your state law, payday loans may be available through storefront payday lenders or online."

Payday cash advance is smaller than Personal or Installment Loans and it’s unsecured compared to online Title Loans backed by a vehicle title as collateral. Those in need of more than $1000 can apply for a Personal Loan which is also available for bad credit borrowers not willing to risk any collateral.

Bad credit Payday Loans with NO credit check. 

One more feature attracting borrowers to Payday cash advance is availability even for bad credit and no credit check performed to qualify for a loan. However, verification of employment and income, as well as valid identification are required. Among other Payday Loan eligibility criteria are:

  • the US residence
  • active banking account
  • age more than 18
  • valid e-mail or phone number

Payday Loan rates and fees. 

The rates and the fees charged are determined by the lender and are influenced by the borrower’s credit score, location, and other factors. Average APR on Payday Loans is about 400%. As Payday Loans are short term cash advance, usually paid back in a month it means your Monthly Percentage Rate will be approximately 33% which is not so expensive if paid on time.

The cost of a loan consists of finance charges and additional fees besides APR, or interest rate. All of them must be states in the lender's terms of use, privacy policy and the agreement you sign before getting a loan. So, be careful to read all the details.

Unsecured Payday Loans. No collateral. No guarantor. 

Short-term Payday Loans don’t require any type of collateral or guarantor. They are tied only to borrower’s income. It means you don't have to risk any of your property if you can't repay the money on time. But naturally, lenders are likely to charge a bit higher rates for unsecured Payday cash advance as they need to make up for any risks they face lending you their money.

Guaranteed instant approval for Payday Loans online. 

Most lenders offer an online application that allows the borrower to complete most (if not all) of the application process from their home computer. It makes borrowing easier, quicker and more convenient. You only need to prove your employment to the lender by showing the pay stub or bank statement demonstrating regular monthly income, and the loan is typically approved. That's why Payday Loans are called "guaranteed' cash advance. The requirements are very simple and the applying - very easy.  So is the repayment. You write a post-dated check for the full amount of the loan plus interest calculated for the length of planned debt to finalize the deal. As soon as the loan is due the lender withdraws money from your account automatically. If there is not enough cash you may be charged a NSF (Non Sufficient Funds) fee. So, make sure you can afford the loan you apply for.

Payday Loan Warnings: 

While payday loans are very popular in the states that offer them, they come with a number of disadvantages you should be aware of. Payday Loans may come with three-digit interest rates and extra fees which makes them much more expensive than Personal Loans, for instance.  

If a borrower can't pay off a loan on time he tends to apply for rollovers and extensions which means taking out a new loan—with new fees—to cover the payment for the original loan. This can lead you to a continuous cycle of debt.

Double-check if Payday Loans are right for you and your budget before borrowing. Make sure you plan your budget so that to pay back the money on a due date.


Up to $1000 Payday Loans

  • Bad Credit OK
  • Only direct lenders
  • Quick funding

Find out if you qualify for a loan without any affect on your credit score

We keep your personal information secured!

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use,I understand that by submitting my information, I may be contacted by telephone by one lender.