Instant Payday Loans

Find out how to get a Payday Loan fast. Compare the best offers from direct lenders. Or start a free application now online to receive the money sooner than you can imagine.

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Up to $1000 Payday Loans

Up to $35000 Installments Loans

  • 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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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."

It differs from other loan types, for instance, from Personal Installment Loans by smaller amounts and longer repayment period. 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 Percentge Rate will be approximately 33% which is not so expensive if paid on time. 

Besides interest you may be charged soe additional fees for application, verification, etc. All of themm 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 yur 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 postdated 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 lenders often charge excessive fees and high interest rates which are higher than credit card cash advances or personal installment loans.

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.

So, before taking out a Payday Loan think twice whether you can afford it, whether you are responsible enough to lan your budget so that to pay back the money on a due date.

Payday Loan Alternatives:

Before applying for a short-term high-interest Payday Loan consider other alternatives. Most popular of them are

  • credit card cash advances,

  • personal installment loans,

  • title loans,

  • loans from banks or credit unions.

They all differ by interest, repayment, amounts and terms. Find out all the details of each of them to choose the right for you.

Get your money NOW!

FREE APPLICATION FORM

Up to $1000 Payday Loans

Up to $35000 Installments 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.