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  • Bad credit history doesn't matter.
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3 easy steps

  • 1 Submit Online: Skip driving and long lines in the store.
  • 2 Instant Approval by top-rated direct lenders.
  • Cash in your bank account within 1 business day.

Best Payday Loans ONLINE Direct Lenders

Easy payday loans - It's real truth!

By filling out a short form (no more than 2-3 minutes), you receive the most advantageous offers from direct lenders. Only you decide whether those loan terms are favorable for you or not.

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Fast Cash Loans - Quick Small-Dollar Advance

Get 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. You can get payday loan the same day.

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Why Choose Us?

direct lenders only - you can apply online filling out our simple form and we deposit the funds directly into your account within 24 hours, or if you are looking for some other amounts, rates and terms - compare the top-rated direct lenders online, get matched with the one which suits your requirements and is ready to approve you.

quick small-dollar cash advance - as soon as you are approved by one of the lenders you can get the cash within 1-2 business days, or the same day or even in an hour.

bad credit is not a problem - we are ready to take risk approving even subprime borrowers. We consider every case individually and pay attention to other criteria besides FICO score.

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Fill Out Our Simple Form

It takes only 3 minutes to fill out our online form. It is protected by top-notch security software and absolutely free for you to use.
No obligations or hidden fees

Get Matched with a Lender

You will be matched with one of our lenders and receive your results fast. Even the users with imperfect credit may be offered a loan.
Fast access to lenders

Money is Deposited Directly

E-sign documents to accept your loan offer and get cash directly deposited in as soon as 1 business day.
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Are Payday Loans Legal in Your USA Home State

Find your state

Quick Payday Loans and Personal Installment Loans Online

Do you need to pay unexpected bills, or repair a car or a house, or you have a special event, holiday - any of your personal needs can be paid for with the help of a Payday Cash Advance or Personal Installment Loan. You may apply for both online and get the funds the next business day. Let's find out what their amounts, terms and rates are and get some useful advice how to receive instant approval even if your credit score is far from perfect.

Payday Loan definition, amounts and terms. 

CFPB defines a Payday Loan as a “short-term, high cost loan, generally for $500 or less, that is typically due on your next payday”. You can get cash advance up to $1,000 for 14-30 days. The amounts may vary depending on the state's rules, lender's conditions and your creditworthiness. The repayment is automatic by withdrawal of the money from your bank account as soon as you get the next paycheck which is very convenient. Besides Online Payday Loans have a lot of other advantages:

  • they are quick and easy
  • they are available 24/7 online
  • they suit even bad credit applicants
  • sometimes you can avoid credit check
  • you have all the rights to spend the funds on any personal needs you have.

Payday Loans for Bad Credit. 

Credit score is an essential part of any financial deals as it shows how you manage your finances, how you repay the debts and how risky you are as a borrower. But not all people may boast of an excellent score. That's why their applications for loans are likely to be refused by banks and credit unions, or other traditional institutions. We offer a good way out - apply for a Payday Loan online. Among the variety of direct lenders and brokers you'll definitely be able to find those who'll approve you even with a bad credit. The APR may be a bit higher for the reason they need to make up for the risk they take. But as it's a short-term cash advance, the overpay won't ruin your budget.

The cost of cash advance. How to choose the best Payday Loan. 

The total cost of an unsecured Payday Loan mostly depends on the APR (Annual Percentage Rate). It is a percentage representation of the actual yearly cost of funds over the term of a loan. The average APR for Payday loans in the US is 400%. What does that mean? If you borrow money for a year, you’ll have to pay 400% extra. But the repayment term for Payday Loans doesn’t exceed one month. So, you’d probably be better off finding out what the MPR (monthly percentage rate) is. For that, we just divide the APR by 12 months. For example, if the APR is 400%, the MPR will be 33%. It means the overpay for $100 borrowed for a month will cost yo only $1 a day. Not much, isn't it? Apply for the necessary amount right now and solve all your problems for the cost of a cup of tea.

Here's a few things you could do with the money:

  • Pay Credit Card Bills
  • Fix your car
  • Book a flight or train ticket
  • Pay next month's rent 
  • Every bill sitting on your desk
  • School Tuition 
  • Doctor + Dentist appointments
  • Gas, new tires, and insurance
  • Costco Membership + purchases
  • Debt Consolidation
  • Anything that may come up 

Requirements to qualify for a loan:

What do I need to qualify for a short-term cash advance?

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • US residence
  • Minimum regular income of $1,000 per month
  • Valid checking or savings account with direct deposit
  • Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • If applying Online, you must provide a valid Social Security Number
  • If applying at Loan Store, you must bring a valid government issued photo ID. A Social Security Number might not be required
  • If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.


The Bureau of Consumer Financial Protection

Installment Loans for Bad Credit

Government Benefits, Grants, and Loans

Cash Loan Types

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Start our 3 minute application by telling us
how much you need.

By submitting your information you claim you have read and understood and agree to Privacy Policy, Terms of Use, Responsible Lending and Marketing Practices