Payday Loans: Fees and how it works |
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If you’re in need of a loan, can help you find a lender that will approve you. A loan-connection service, once you submit a simple online application, finds a suitable lender that will deposit $1,000 in your account by the following business day. You’re able to apply for a loan, even if you have bad credit.

What state are you from? aims to find a lender to meet your needs — but whether you can apply for a loan and how much you can apply for depends on the state you live in. Before applying, confirm how much you’re able to borrow based on your state of residence.

How do Payday Loans compare?

Rates last updated June 22nd, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
ACE Cash Express Payday Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
LoanByPhone Payday and Installment Loans
This mobile lender offers convenient cash loans. Apply online or by phone.
1–2 business days
Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

Compare up to 4 providers

What is’s process?’s process begins with you submitting an online application. It then works to connect you with a lender. Once a lender approves your application, you receive a loan offer document or a loan contract.

Review this contract carefully before accepting it, because it will give you a clear picture of just what the offered loan entails. After you accept the contract, the lender disburses the funds, which are transferred into your bank account by the following business day.

The due date of your loan is eight to 25 days from the day you receive the money, with the actual repayment details depending on your pay schedule. The lender in question debits the funds directly from your bank account on the due date.

What features does offer?

If you’re considering taking on a loan through, here’s what you can expect.

  • You’ll receive the money quickly. It takes about 10 minutes to complete the online application. then reviews your application and connects it to a suitable lender. The approval process does not take long, and if you’re approved, you can typically access the funds by the following business day.
  • Use the money for any purpose. You can use the money you get for just about any legitimate purpose — repairing your car, paying bills or just getting by after a temporary setback.
  • Bad credit is not a problem. A benefit of is that you can apply even if you have less-than-perfect credit.
  • Save time and effort. The payday market in the US is growing at a rapid pace, and narrowing down on a lender based on your requirements can be tedious. When you apply for a payday loan through, it does the searching for you at no cost.

Fees and charges to consider

Getting a payday loan through requires that you pay loan fees when you repay the amount you borrow. Just how much you have to pay depends on how much money you borrow and your state’s prevailing laws. Payday lenders typically charge loan fees of $25 to $30 or more on every $100 borrowed.

These fees vary by lender but will be spelled out in the loan contract you receive after your application is approved. Carefully read and understand the complete list of all applicable fees and charges, including penalties for not repaying the loan in time.

How to get a payday loan from

Eligibility criteria:

  • You’re at least 18 years old.
  • You’re an American citizen.
  • You earn at least $1,000 every month.
  • You have an operational checking account with direct deposit.

Required documents and information:

  • Your complete name and home address.
  • Your bank’s name, ABA/routing number and phone number and your account number.
  • Your employer’s name, address and phone number.
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US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

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