Quick payday loans

Quick Payday Loans

Information verified correct on January 21st, 2017

You don’t need to wait long to get the money you need – find out how you can get a quick payday loan.

If you’re in need of money immediately, whether it’s for emergency repairs, forgotten bills or any other reason, payday loans are an option for you to consider. Payday lenders can give you access to approved funds on the same business day, some within 15 minutes.

You can apply for a quick payday loan if you have bad credit, receive government benefits or are on a lower income, and you can use your loan for whatever purpose you need.

Check into Cash Prepaid Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies upon state
  • Turnaround Time: 1-2 business days
  • Total Costs: Varies depending on the amount and your state of residency
  • Must be 18+
  • No security needed
  • Confidential and secure!

    A selection of quick payday loans you can apply for

    Here are some loan providers that you could apply to. Note that the max loan amount is based on the provider’s max amount. The amount will vary based on your state of residence.

    A selection of loans you can apply for

    Here are some loan providers that you can apply to. Note that the max loan amount is based on the lender’s max amount. The amount will vary based on your state of residence.

    Rates last updated January 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.
    Interest Rate (p.a.) Maximum Loan Amount Term of Loan Turnaround Time
    LendUp Payday Loans
    Money on your terms! Apply for a loan today.
    From (variable) 250 7 - 30 days 1 business day 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.
    From 260.71% (variable) 1000 Varies upon state 1-2 business days Go to site More
    Check City Payday Loan
    Get a Fast, Secure, and Confidential Payday Loan.
    From 17.5% (variable) Depends on state of residency Varies upon state Next day 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.
    From 299% (variable) 2250 Varies upon state 1 business day Go to site More
    ACE Cash Express Payday Loans
    Money when you need it most.
    From (variable) Varies by state Varies by state Generally receive the money the next business day Go to site More
    SWIFT Payday Loan
    Making it easy to get cash in a pinch.
    From (variable) 1000 Varies by lender Next business day Go to site More

    A selection of lender matching services you can apply with

    These lender matching services are not lenders, loan brokers or agents for any lender or loan broker. They also do not make credit decisions. They focus on trying to match you with a lender that might be able to provide you the funds you seek. Note that the max loan amount is based on the matching services max amount, but it will vary based on your state of residence. If you proceed with one of these services, confirm that the lender is reputable by checking with your local government.

    Rates last updated January 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.
    Interest Rate (p.a.) Maximum Loan Amount Term of Loan Turnaround Time
    From 5.99% (variable) 5000 Varies based on lender Varies based on lender Go to site More
    CashAdvance.com Payday Loans
    Whether it's an emergency situation or an unexpected expense, that's where Cash Advance® comes in.
    From 200% (variable) 1000 Up to 12 months 1-2 days Go to site More
    TriangleCash Payday Loans
    If you have bad credit or no credit history, a TriangleCash payday loan could be a helpful solution to get you funding.
    From (variable) 1000 Varies based on lender Instant approval Go to site More
    TrustedPayDay.com Payday Loan
    Get a short-term loan of up to $1,000 that you can repay on your next payday.
    From (variable) 1000 2-60 months As soon as tomorrow Go to site More
    Accredited Debt Relief
    Accredited Debt Relief can help you lower your monthly payments and interest rates or get out from serious debt. They offer free consultations at 1-877-569-5675.
    From 0% (variable) Varies based on lender On average a settlement lasts 2-4 years. Varies based on lender Go to site More
    LendYou Payday Loans
    The loans you need, when you need them.
    From 6.63% (variable) 1000 Varies 1 business day Go to site More

    How do quick payday loans work?

    A payday loan will give you access to the funds you need, and some lenders will be able to provide this service more quickly than others. They may be able to do this by processing online loans quickly, offering same-day turnaround for loans or giving you options for how you can receive your funds. For example, some lenders have debit cards that they can pre-load with your funds once you’re approved.

    The maximum amount you can apply for depends on your state’s payday loan regulations. There are also restrictions on the annual percentage rate (APR), whether you can take out multiple payday loans or whether you can rollover a loan.

    Most lenders can tell you if you’ve approved for a payday loan within minutes. Following the application you may have a choice of how to receive your funds. If you apply online you will usually have the funds deposited into your checking account, although you may be able to pick up the cash in-store, through a prepaid debit card or as a check.

    “When will I receive my loan?”

    If you apply with any of the lenders listed above, check the table below for when you can expect to receive your funds.

    LenderTurnaround time
    100 Day LoansDepends on the lender, usually one business day but can be same-day funding.
     Achieve LendingDepends on the lender, usually one business day but can be same-day funding.
    Advance AmericaOnline applications received prior to 8pm E.T are usually funded the next banking day. In-store loans can be funded within 10-15 minutes.
    CashAdvance.comDepends on the lender, usually one to two business days.
    CashNetUSAIf you’re approved by 9pm CT Mon-Thurs, you’ll generally receive your funds the next business day. If you’re approved between 9pm CT Thursday and 7pm CT Sunday, you’ll receive your funds on Monday unless it’s a bank holiday.
    Cash CentralLoans approved before 7:45pm ET (6:45pm CT, 5:45pm CT, 5:45pm MT, 4:45pm PT) Mon-Thurs are usually deposited the next business day. Applications submitted Friday, Saturday and Sunday before 7:45pm ET will be funded the following banking day and applications submitted Sunday after 7:45pm will be funded on Tuesday.
    Check CityOnline applications take one business day and in-store applications take around 15 minutes. If you apply online and are approved before 7pm MT on weekdays or 8pm on Saturdays, the approval process is completed on the same day. If you apply after these hours or on Sundays or holidays, your loan application will be processed the next business day and funds deposited into your account one day after that.
    Check into CashLoan applications processed before 7pm during business days are usually funded the next business day. If you apply online, you also have the option of picking up your approved funds in-store.
    LendUpApproved funds are deposited the next business day. If you have a debit card that is supported, you can pay a fee to receive a 15-minute transfer. If you’re a Wells Fargo customer you can select a same-day transfer.
    LoanMartOne business day.
    Net CreditYour loan will be funded the next business day. If your application is approved between 4pm CT Thursday and 4pm CT Friday, you’ll receive your funds the following Monday. If your application is approved after 4pm CT Friday, you’ll receive your funds the following Tuesday.
    NetLoanUSALoan processing and transfer times vary between lenders.
    Personal Money StoreLoan processing and transfer times vary between lenders, but you can receive your approved funds the next business day.
    Speedy CashOnline loans take one business day to be processed. If you visit a store you can pick up cash or have it loaded onto a prepaid debit card.
    TrustedLoanNetworkLoan processing and transfer times vary between lenders.
    USA Payday CashYou can expect approved funds in your account by the next business day.

    What features do quick payday loans offer?

    If you’re looking for a quick payday loan, here’s what you can expect.

    • Multiple options for borrowing money.
      If payday loans are legal in your state, you’ll have numerous options from which to choose. Bear in mind that not all payday loan providers are equally quick in processing applications and disbursing funds. You have the choice of direct payday lenders and loan matching services.
    • Quick processing of you loan.
      Some payday lenders use the latest in technology to verify your credentials online, giving you an answer within minutes. If you apply online, the lender will require your bank account details so it can transfer your funds by the following business day.
    • Lower than normal fees.
      While state regulations tend to govern how much payday lenders can charge as fees, some lenders charge lower fees than others. You may also find lenders who charge lower fees and rates the more you borrow with them, so this may also be an option to consider.

    “I want to apply for a quick loan – how can I be approved?”

    There is no hard and fast rule that guarantees a successful application, but knowing what the application process entails can increase your chances of approval. Payday loan providers will verify your income to establish if you have the capacity to repay the loan, which they can do via pay slips and bank statements.

    You will also have to go through an identity verification process, which some lenders carry out online. You may have to fax some documents over, although no fax payday loans are available.

    The types of loans that are available

    You have a few different options when you need money quickly, including:

    • Payday loans.
      These are short-term loans that you have to repay by your next payday. The maximum you’re able to borrow depends on the state you’re applying from, as does the terms you are offered.
    • Installment loans.
      With a quick installment loan you don’t have to repay the entire loan amount in one go. You get to make equal repayments over a set term, which can extend up to one year or more.
    • Auto title loans.
      If you have a car or a motorbike that you can use to provide security, you can consider getting an auto title loan. Your vehicle will works as collateral but you’ll have continued access to your vehicle during the loan term.

    How much can you borrow?

    Just how much you can borrow also depends on the lender you approach. This is because lenders are restricted by state laws as to how much they can charge, but some lenders may still have better rates than others.

    In states like Alabama, Alaska, Colorado and Delaware you can borrow up to $500. In California, the maximum you can borrow limits to $300. Residents of Idaho can borrow up to $1,000, and if you’re a resident of New Mexico you can borrow up to $2,500. Some states, like Illinois and Nevada, let you borrow up to a percentage of your gross monthly income.

    Things to consider before you apply

    If you think you may face problems in paying the loan back on time, you should seriously reconsider applying. If you repay your loan late you will have to pay additional fees and it will also affect your ability to get credit in the future.

    It is important that you review any given loan’s terms and conditions before accepting a contract, as this gives you clear indication of how much you might have to pay in fees and charges.

    • Fees and charges
      Make sure you check your loan contract before accepting the quick cash as there may be extra fees and charges you have missed. Once you accept you’ll be liable to pay all associated costs.
    • Length of your loan
      This will vary depending on what state you live in – ensure that the loan you apply for conforms with the laws of your local state.
    • How long until you get your cash
      You’ll generally want your cash within in the hour. Compare how long each lender can get you the money before applying

    Frequently asked questions

    How much time does it take to apply for a payday loan online?

    You can usually complete an online payday loan application in around 10 to 15 minutes as long as you have all the required information on hand.

    What eligibility criteria do I have to meet?

    You should meet the minimum age requirement, which is 18 years in most states. You should be a permanent resident of the US and you should have a steady source of income.

    Payday loans are not legal in my state – what other options do I have?

    You can consider applying for an installment loan or an auto title loan. You can consider getting a loan from a military aid society or an affinity group, and you can even ask your employer for a cash advance.

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    US Payday Loans Offers

    Learn about our information service
    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.

    Check City Payday Loan

    Get a Fast, Secure, and Confidential Payday Loan.

    NetCredit Installment Loan

    Build a positive credit history and borrow up to $10,000 with Net Credit.

    CashNetUSA Loan

    CashNetUSA gives you the ability to apply for a Payday Loan, an Installment Loan, or a Line of Credit.

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