woman applying payday loan

Same Day Payday Loans

Information verified correct on March 25th, 2017

Money that can be in your account today? Find out about same day payday loans.

It is not uncommon for people to need money in a hurry, but not everyone knows that getting money in a rush can be simple and easy. There are a number of direct payday lenders across the United States and many of these provide same day payday loans or instant payday loans. Also referred to as fast payday loans, this type of financing gives you quick access to your approved loan and you can then use the money for whatever you need it for. You can apply for one of these loans even if you have poor credit history. As the name implies, you have to repay such a loan on your next payday.

Check into Cash 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 by 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 same day payday 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.

    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 March 25th, 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
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    From 260.71% (variable) $1,000 Varies by state 1–2 business days Go to site More
    SWIFT Payday Loan
    Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
    From (variable) $1,000 Varies by lender Next business day Go to site More
    CashNetUSA Loan
    Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.
    From 299% (variable) $2,250 Varies by state 1 business day Go to site More
    OppLoans Personal Loans
    Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
    From 59% (variable) $5,000 9 to 24 months 1 business day Go to site More
    Cash Central Payday Loan
    Offers high-APR cash loans of up to 32 days deposited directly into your checking account.
    From 0% (variable) $5,000 Varies by state 1–2 business days Go to site More
    ACE Cash Express Payday Loans
    An array of services in 1,000 locations include short-term, installment and title loans with terms that vary by state.
    From (variable) Varies by state Varies by state Generally receive the money the next business day Go to site More
    LendUp Payday Loans
    Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.
    From (variable) $250 7–30 days 1 business day 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

    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 March 25th, 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
    Bad Credit Loans Personal Loans
    Fast and easy approval for people with bad credit. Qualifications are straightforward and simple.
    From 5.99% (variable) $5,000 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) $1,000 Up to 12 months 1-2 days Go to site More
    Accredited Debt Relief
    Offering free consultations, Accredited Debt Relief can help you lower your monthly payments and interest rates or get out from under serious debt. Call 1-877-569-5675.
    From 0% (variable) Varies based on lender On average a settlement lasts 2 to 4 years. Varies by lender 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

    How does a same day payday loan work and how can it benefit me?

    The basic concept of a same day payday loan is pretty much the same as any other loan type, where you borrow the money and repay it along with all the fees and charges it attracts within a given time period.

    With an instant payday loan, you can apply in-store or online depending on the lender. If you’re looking for a one-hour payday loan, your best bet is to apply in-store, given that in-store loans normally come with quicker processing times.

    You will have to qualify for the loan in order to apply, and you should remember that state laws can have a bearing on how much you can borrow or if you’re able to borrow at all.

    What features are on offer?

    An easy way to establish which quick payday loan will work best for you is to compare some features these loans come with, and here’s what you should know:

    • Know what fees you’ll be paying.
      Most fast payday loans charge loan fees that are based on every $100 you borrow, and while you don’t pay interest separately, the loan fee accounts for this. This fee can vary from state to state and from lender to lender. Not paying the loan off in a timely manner can require you to pay NSF fees and late charges, which again, can vary from one loan to the next.
    • Work out your loan amount.
      The state you live in has a bearing on the maximum amount you can borrow, as does your ability to repay. While lenders have to abide by state regulations, they might judge your ability to repay differently.
    • Ensure the application process is legal.
      For a one-hour payday loan there’s a good chance you’ll have to apply in-store, where you get your money almost immediately upon approval. Some lenders who accept online applications give you the option of receiving funds instantly through a prepaid debit card, but this is not as common. In most instances when you apply online, you get access to funds the following business day.
    • Ensure you have the required repayment methods.
      You would, in all likelihood, have to provide a post-dated check or your bank account details if you apply in-store. If you apply online, you’ll have to provide your bank account details. If you’ve given a post-dated check, the lender will cash it on the due date. Otherwise, they will debit the money from your bank account on the due date. Certain lenders give you the ability to pay the loan ahead of time via credit cards, Western Union, or MoneyGram.

    When do you have to apply by to receive your loan today?

    LenderCan you receive same-day funding?When do you have to apply by?
    100 Day Loanstransparent-green-tickcross-iconsVaries between lenders.
     Achieve Lendingtransparent-green-tickcross-iconsVaries between lenders.
    Advance Americatransparent-green-tick8pm ET for online. In-store loans funded within 10-15 minutes.
    CashAdvance.comcross-iconsFunding in 1-2 business days.
    CashNetUSAcross-iconsNext banking day funding.
    Cash Centralcross-iconsNext banking day funding.
    Check Citytransparent-green-tickOnline applications submitted and approved before 7pm. In-store applications take 15 minutes.
    Check into Cashtransparent-green-tickcross-iconsNext banking day funding. However, online applicants can pick up their approved loans in-store.
    LendUptransparent-green-tickIf 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.
    LoanMarttransparent-green-tickSame-day funding.
    Net Creditcross-iconsNext banking day funding.
    NetLoanUSAtransparent-green-tickcross-iconsVaries between lenders.
    Personal Money Storetransparent-green-tickcross-iconsVaries between lenders.
    Speedy Cashtransparent-green-tickIf you visit a store you can pick up cash or have it loaded onto a prepaid debit card.
    TrustedLoanNetworktransparent-green-tickcross-iconsVaries between lenders.
    USA Payday Cashcross-iconsNext banking day funding.

    The good and not-so-good

    What is the good?

    • You’ll get quick access to funds.
      This is without a doubt is one of the biggest advantages of same day payday loans – hardly any other types of financing can give you access to funds on the day you apply.
    • Your bad credit history is okay.
      While mainstream lenders shy away from providing loans to people with poor credit histories, the payday loan market is where you can look forward to getting a loan no matter what your credit score looks like.
    • Be able to use the funds for any purpose.
      Providers of fast payday loans tend not to ask why you need the money, and once you get access to approved funds you can use the same for just about any legitimate purpose.

    And what is the bad?

    • They can come with high fees.
      If you look at the interest rate these loans attract, you’ll notice that it is considerably higher when compared to a conventional loan. This is the norm with payday loans. As a result, prepare to pay a fairly high fee.
    • You could be stung with high default fees
      If for any reason you cant pay back the loan, you may get charged with default fees. These can vary depending on what state you reside in.
    If you’re worried about your credit score and want to take steps to repair it, you could call The Credit Pros: Legal Credit Repair on 877-208-6484.

    Things you might want to avoid about these kind of loans

    Make sure you go through the loan offer documents carefully before signing them. This gives you a clear picture of the loan’s terms and conditions as well as the fees you’ll have to pay. Not doing this is something you should definitely avoid.

    Try to also avoid making payments late because this will result in having to pay late payment charges. Avoiding refinancing your loan is also a good idea owing to the additional costs involved. Importantly, avoid taking a loan that you feel you might have difficulty repaying.

    Questions you’ll need answered before applying

    What are the normal eligibility criteria for such loans?

    You will have to meet state-specific minimum age requirements, you should also have a steady source of income. If you’re applying online you should have a functional checking or savings account.

    How much money can I actually borrow?

    Many quick payday loan providers provide loans of up to $1,000. The maximum you can borrow, though, depends on the state you reside in as well as your ability to make repayments.

    What if I don’t repay my loan on time?

    The lender could charge you a late payment charge or an NSF fee. Some lenders allow you to refinance your loan, but this would involve additional costs.

    Can I get a same day loan with a debt card?

    Some payday lenders can fund your loan onto a store debit card. If you have had a loan previously with the same lender, you could choose to have you funds added instantly to your prepaid debit card.

    How fast can my loan be sent to me?

    This can depend on many factors, including but not limited to – your bank, your account, your branch, how much you’ve applied for. In a perfect scenario you’ll be approved in 60 seconds and have the cash in 1 hour.

    Are payday loans available in my state?


    While getting an instant payday loan is not particularly difficult if your meet certain basic eligibility criteria, given the number of options on offer, it is best that you compare a few before making a decision.

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    US Payday Loans Offers

    Learn about our information service
    Check into Cash Payday Loan

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

    LendUp Payday Loans

    Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.

    SWIFT Payday Loan

    Access multiple lenders with a 5-minute application for a cash advance on your paycheck.

    CashNetUSA Loan

    Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.

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