Payday Loans

Information verified correct on February 21st, 2017

If you need a short-term emergency loan, try Open Cash Advance’s free lender-matching service.

Sometimes you find yourself in a financial pinch and need funds immediately. In this case, consider applying for a cash advance — a short-term loan that you repay as you receive your next paychecks. The Open Cash Advance website may be helpful, allowing you to submit your information so it can match you with a lender that fits your credit profile.
Though you’re more likely to obtain a cash advance if you meet certain requirements (current employment, at least $800 in monthly income, etc.), you can apply for a loan even without a job or without stellar credit. The Open Cash Advance website is free to use and you can quickly see if you’re approved by filling out the no-obligation loan request form.

What loans does Payday Loans offer? specializes in what is known as cash advances, which are short-term cash loans. These are also called payday loans, because you generally start repaying them when you receive your next paycheck.

Product Information

  • Product Name: Payday Loans
  • Loan Term: Varies based on the lender
  • APR: Varies between 200% to 2,290% depending on the lender and your state of residence
  • Borrower Maximums: Not specified

Find out your credit score here

Are payday loans legal in your state?

Hover over your state of residence (or click on your state if you’re using a mobile device) to find out if payday loans are legal in your state.

How does compare?

Rates last updated February 21st, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Total Cost of Borrowing $100
LendUp Payday Loans
$250 loans for first time borrowers. Good credit is not required and, if you're in an eligible state, you'll know instantly if you're qualified.
$250 7 - 30 days 1 business day Varies depending on the loan terms and your state of residence Go to site More
Check into Cash Payday Loan
Whether you’re facing seasonal expenses like holiday bills and back to school costs or you need help with unexpected bills, or repairs, Check Into Cash can help.
$1,000 Varies upon state 1-2 business days Varies depending on the amount and your state of residency Go to site More
CashNetUSA Loan
CashNetUSA gives you the ability to apply for a Payday Loan, an Installment Loan, or a Line of Credit.
$2,250 Varies upon state 1 business day Varies depending on state. Go to site More
ACE Cash Express Payday Loans
Money when you need it most.
Varies by state Varies by state Generally receive the money the next business day Varies depending upon the state where you reside. Go to site More
SWIFT Payday Loan
Making it easy to get cash in a pinch.
$1,000 Varies by lender Next business day APR varies by lender Go to site More
If you are in need of quick funding, OppLoans may have a solution that suits your needs.
$10,000 9 to 36 months 1 business day Go to site More
Check City Payday Loan
Get a Fast, Secure, and Confidential Payday Loan.
Depends on state of residency Varies upon state Next day Depends on state of residency. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

Features of the Payday Loans

  • Apply even with poor credit. Regardless of your credit, you’re welcome to apply for a loan at Open Cash Advance.
  • Find out quickly if you’re approved. To obtain a loan, just fill out the form on and you’ll see in a few minutes whether you’re matched with a lender.
  • No obligation. Filling out the form does not mean you’re locked into any contracts. The form is merely used to pair you with the right lender; you can choose whether to accept the terms of a loan after you’re matched.

How does work?

1. Fill out the form
To start the process of getting a loan, all you need to do is click on the “Go to site” button on this page and fill out the loan request form. You’ll input information like your name, address, contact information, amount you’re requesting, employment information, and bank information. This is a no-obligation form, so don’t worry about locking yourself into any contracts.

Keep in mind that is not your lender. Instead, it will match you with a lender that fits your credit profile.

2. Get matched with a lender
If pairs you with a lender, you will have an opportunity to read the terms of your loan before you accept it.

After you submit the form, you’ll be notified within minutes if there is an appropriate lender for you. If that is the case, you’ll be redirected to the lender’s website, where you can view your loan offer and the terms of the offer.

3. Accept the loan terms and receive your funds
Make sure to read the lender’s terms carefully. If the lender approves you for a loan, the lender will deposit the money into your bank account (generally within one business day).

What will it cost to take out a cash advance? does not charge any fees to use its service. If the site matches you with a lender, however, be sure to read your lender’s terms for fees and rates. Interest rates on cash advances through third-party lenders can range from 200% to 2,290%. Also, you may need to pay fees for receiving your cash advance.

How safe is is a member of the Online Lenders Association (OLA), and abide by a Code of Conduct and list of Best Practices to make sure customers receive fair treatment and remain fully informed. keeps all of your personal information safe and secure using the latest in encryption technology.
More information about the Online Lenders Alliance (OLA)

What are the requirements to apply for a loan?

Lenders who offer cash advances want to know they have a high probability of being repaid, so they are more likely to offer you a loan if you meet certain requirements.

Eligibility requirements:

  • You have a job
  • You receive $800 or more in wages each month
  • You have a valid bank account
  • You are a resident of the United States
  • You are 18 years of age or older

Required documents and information:

  • Your name, residential address, birth date, email address, and phone number
  • Your Social Security number and driver’s license number
  • Your employment information, including job title, employer name, and monthly net income
  • Your bank information, including your bank routing number, and your account number

Though meeting these qualifications makes it easier to obtain a loan, you may still be approved for a cash advance without meeting the listed requirements. allows anyone to apply for a loan even with poor credit or prior bankruptcies.

Frequently asked questions

What is a cash advance?

A cash advance simply means you get a short-term loan for a small dollar amount. Individuals and families generally take out cash advances when they’re in a pinch: they need to pay for urgent house repairs, unexpected bills, medical expenses, or other things of the sort. It’s generally expected that you start paying off a cash advance as soon as you get your next paycheck — hence why a cash advance is often called a payday loan.

Is there anything I should know before taking out a cash advance?

There are a few things you should know about cash advances in order to make the right decision for you and your family. First of all, you should generally take out a cash advance only in emergency situations because this type of loan is typically a short-term, one-time solution. If you have structural financial problems that give you difficulty paying debts, you should consider credit counseling.

Second, you’ll want to make sure you can repay your cash advance in a timely manner. Missing the due date on your repayment will result in additional charges. Avoid digging yourself into a deeper financial hole by taking on debt you cannot afford.

Third, before accepting a cash advance, be sure to read the lender’s terms and conditions carefully. It’s important to read the fine print so you know the rates and fees you’ll pay and so you won’t be surprised by unexpected requirements.

Does Open Cash Advance charge any fees? How does the website make money?

No, does not charge any fees to use its service. The website matches you with prospective lenders, and if you decide to take out a cash advance then they will receive a commission from the lender.

How much am I allowed to borrow?

Through the website, you’re allowed to request up to $5,000. However, the maximum amount you will be able to borrow will be determined by the lender you are matched with.

Do I have to be employed to apply for a cash advance?

No. If you do not have a job, will try to match you with lenders that offer loans to unemployed individuals; however, remember that your lender may ultimately choose not to lend to you if you are not employed.

How will I receive my cash advance?

When you are approved, your cash advance will be deposited in the bank account you provided when applying through

What will my repayment terms be?

Unfortunately, because works with many lenders, it isn’t possible to know beforehand what the repayment schedule of your cash advance will be. When you are matched with a lender, be sure to carefully read the terms and conditions of your cash advance. You will learn the interest rate and fees you’ll pay, as well as repayment dates.

Since you’ll provide your bank account information while applying through, you may have the option to make automatic repayments to your lender from your account.

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