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Secure and confidential same day loan handling online. You can also call during normal business hours to request a loan by phone! Most loans are processed same day with funding on the next business day. Loan availability and terms may vary.

A better way to get a loan online!

Dozens of lenders from throughout the country are competing to offer you a loan. We securely handle your information and find a lender that's ready to give you a loan.
Best of all, it's not an application. When you request a loan through Paydayr, there's no commitment or obligation. You're in control every step of the way.
If you like the offer, all you have to do is accept it and get paid. It's really that easy! If you have any questions, experienced professionals are available to help you by phone, email, or live chat.

Personal payday loans for everyone — even with bad credit!

Online loan applications can be approved 24 hours a day, 7 days a week, 365 days a year.

Payday loans are a type of personal loan that can be used for any purpose. You don’t need good credit to get approved. In fact, you can get a payday loan online with especially bad credit or even no credit at all.

Think of a payday loan as a personal loan for bad credit that can be approved and processed in as little as 5 minutes.

While funds can be deposited through a same day wire transfer or a mobile wallet like PayPal, most loans will be funded the next day via direct deposit or next business day for loans requested on weekends and holidays.

Payday loans can sometimes provide more immediate cash upon approval under specific circumstances for an additional fee, but in most situations, a next business day direct deposit will be used, rather than a same day deposit.

To get paid the same day, a lender would need to send a wire transfer, or you would have to go to a local payday loan store to pick up cash.

It’s usually easier to get a 24/7 payday loan today, but rather than get paid now, have the money sent by direct deposit, which can be in your bank account in 24 hours.

It’s not quite a same day deposit, but it’s the best option that most 24 hour lenders have, short of a same day wire transfer, which can cost an additional $40 or more.

But can you get a payday loan with no credit check

No credit check when applying for an online loan is a phrase frequently used by payday lenders to distinguish the difference in the way that same day loans are approved compared to ordinary bank loans.

Lenders often approve payday loans with no credit check from traditional credit bureaus, but they’ll always perform what is known as a soft credit check.

This type of credit check is used to verify things like employment status and income without effecting your credit score.

Direct lenders offering same day loans approve applications primarily based on a few factors, including;

  • Ability to repay the loan
  • The borrower’s income
  • A history of repaying loans

Getting a payday loan online typically doesn’t require what’s referred to as a hard credit check – like those performed by banks or credit card companies, but it will often involve a soft credit check.

This type of credit check looks up information from consumer databases that can help lenders confirm the income and repayment information provided when applying for a loan.

Unlike a hard credit check performed with one of the big three credit bureaus (Experian, TransUnion, and Equifax), a soft credit check with a consumer reporting database like Teletrack, CL Verify, or DataX, isn’t displayed on your credit report to other potential creditors—only you can see these types of requests, and it doesn’t impact your credit rating.

And what about payday loans that are guaranteed approval

Guaranteed approval of a loan, no matter what type of loan it is, which lender is selected, or who’s doing the borrowing, is a statement that most lenders can’t claim.

Same day loans have little to no credit requirements and higher approval rates than bank loans. This makes them a great option when you need cash quickly, or if you have a bad credit history, but 100% approval can never truly be guaranteed.

While no payday loan provider can guarantee approval, we can guarantee that we’ll do our best to find you a lender from our network that’s ready to approve your loan request today.

No credit inquiries are perfect, but when you connect with a lender through Paydayr, the effect on your credit score is minimized. This really is the best option available if you’re looking to get a payday loan with no credit check.

Most lenders have multiple loan terms available, in addition to payday loans. These include things like personal loans, check cashing, and signature loans.

Long term payday loans versus short term payday loans

Some lenders offer long term payday installment loans, while others offer renewals or extensions for longer term borrowing.

The cost of long term borrowing can differ greatly.

A 7-day loan may have a fee of $15, while a 3-month payday loan for the same amount has a fee of $50. The total cost can be more, but the effective interest rate tends to be lower for long term loans.

On the other hand, if you were to renew or extend that same 7-day loan for 3 months, you’d end up paying more than 3 times more in added fees.

This is why it’s important to review the terms and fees offered by your lender before committing.

When you select a repayment period from 1 day to 365 days on Paydayr, this tells us what kind of loan you’re looking for, but you’ll always be able to change your options as you complete the application directly on the lender’s website.

Bad credit is all too often a guarantee that banks and credit unions won’t approve your loan application.

The first thing they’ll look at is the credit score listed on your credit report. If there are multiple loans with outstanding balances, a history of late payments, a past bankruptcy, or even no credit to check, the application is almost guaranteed to fall short of their approval criteria.

Even payday loan alternatives, like Wells Fargo’s direct deposit advance or US Bank’s money loan, require a bank account in good standing, which itself requires a credit check, in addition to income requirements and of course, more credit checks.

When you need cash now, with or without a checking account, you can’t afford to wait days or even weeks for your application to be reviewed, especially when it’s likely to be turned down due to bad credit. Not to mention the potential damage to your credit score from unnecessary credit checks.

With a perfect credit score of 700 or higher, you could easily get instant approval of nearly any loan application, but most people aren’t able to pass a credit check with such high marks.

Nothing’s guaranteed, but an online payday loan will get you as close as reasonably possible to instant approval with no credit or bad credit.

A truly instant cash loan isn’t realistic, but you can expect to get connected with a lender in as little as 60 seconds, and have your loan approved in 1 hour or less in many cases.

There are some situations where a lender can deposit funds the same day you apply, or you can pick up cash the same day at a local storefront, but usually money will be available in your bank account on the next day your bank is open.

Paydayr makes it easy to borrow money from a network of some of the most trusted payday loan companies. These are online loan companies that are ready to give you a loan right now.

When you request a loan now, your loan can be approved today with a direct deposit advance to your bank account in as little as 24 hours.

If the first financial institution to offer you a loan today isn’t able to get you cash this instant, or you don’t like the interest rate, you can always connect with another lender.

In order to find the best online loan for your needs, it’s important to know your options.

You can get a payday loan without a bank account by picking up your cash at a local storefront, but this doesn’t always give you the best selection of lenders.

For example, if you decide to pick up cash in person from a local direct lender, in Houston or Minneapolis, you won’t have the option of borrowing from lenders in California or Florida. Likewise, if you limit your options to lenders in LA or Miami, you could miss a better offer from a lender in Texas or Minnesota.

Many lenders are open on Saturday and Sunday. Weekend payday loans can sometimes be deposited same day by wire transfer, but usually the money will be direct deposited on Monday.

Payday lenders provide quick and easy online loans with fast approval.

Payday loans are the closest thing to a legit way to approve everyone, no matter what, with no questions asked.

When you need cash ASAP, you need to connect with a mobile payday lender online. Emergency lenders can deposit small personal loans overnight on weekdays, or Monday on weekends.

Paydayr has an extensive list of lenders that are among the best payday loan companies online.

Get a small loan online with bad credit.

Small loans are mostly 100, 200, and 300 dollar loans, while 400 and 500 dollar loans are at the top of what’s considered a small payday loan.

Loans of up to 1,000 dollars or more are arranged as longer term payday installment loans.

A small one hour loan can be approved in minutes and completed within an hour.

A payday advance loan from direct lenders for borrowers with bad credit is known as a bad credit loan.

These lenders are people who loan money on a short term basis to those with poor credit.

If you were to get a 300 dollar loan today, and paid it back in 7 days, you might pay a fee of $30.

A 30 day loan for the same amount, could have a fee of $45, but you’d have more time to repay.

The cost is higher but the interest rate is lower. So, you get a low APR with a long term loan, but you pay more in total.

A 3 month payday loan is repaid in installments with monthly payments similar to the fee for a 30 day loan.

So, short of a completely free loan, the most affordable loan will be the one that you can repay as quickly as possible.

The 7 day loan may seem like a cheap loan, but if you have to renew it 3 times, then it becomes much less affordable.

And while you won’t go to jail for not paying back a payday loan, or for having more than one payday loan at once, you could end up paying even more fees in the long run. You should always make sure to only borrow money that you can safely repay.

Online loans allow you to get a loan anywhere — even from out of state.

These are loans anyone can get completely online, with no phone calls, no faxing, no checks and no paperwork.

When you need a loan urgently, a one day loan can provide next day cash.
The loan can be approved same day and the lender can fund your payday loan next day during the week or next business day on weekends or holidays.

With paycheck advance loans, you can get a loan without credit.

Since employment verification is not based on credit history, you can take out a small quick loan till payday as an advance on your paycheck, even if you have poor credit.

Just have a recent pay stub handy.
No employment verification would be complete without the details of your paycheck. Lenders need to know that you earn enough money to safely repay the loan.

Unlike paycheck cashing, there are no checks needed to get a payday loan online.

Small cash loans make it possible to get approved for a short term loan in minutes, even with bad credit.

A small cash loan is just a tiny cash advance with no hassle and nearly immediate approval today.

From Ohio to Nevada to Florida, lenders that are open now can provide super speedy cash approval online in as little as 5 minutes.

Getting pre-approved for a personal loan with bad credit isn’t really a thing, but you can get a nearly instant decision that isn’t based on your credit score.

Bad credit lenders provide real loans for people with really bad credit. These loans are approved using income verification and soft inquiries, which means they won’t hurt your credit score.

Lenders can also provide emergency cash loans for unemployed borrowers based on income from things like disability benefits or retirement checks.

It’s possible to get a loan with no credit on the internet or over the phone from virtually anywhere. No need to visit a payday loan store or look for places that are open today or open late where you can get a loan locally.

Get a loan of $1,000+ with bad credit

Getting an unsecured loan from a trusted, legitimate, online lender means a hassle free loan process the first time.

One minute you’re submitting your loan request, the next minute you have a decision.

Online lenders will lend up to a certain maximum, in some cases as much as a $1,500 loan, based on your income.

Hard money loan services provide electronic signature loans based on job verification or personal guarantee, with approval for nearly anyone, from fair credit to terrible credit.

You’ll find easy, affordable, rapid cash advance loans online with speedy service from trusted first day loan providers.

Especially easy tribal loans can also be approved same day in many places. Tribal lenders are able to make loans under more flexible tribal lending rules, which often makes it possible to approve more applicants.

Paydayr makes it easy to get a loan online from local or out of state lenders with nearly instant approval.

For example, you could request a 200 dollar loan in Maryland, Paydayr locates 67 cash lenders that are open today, and you get approved for a 400 dollar loan from a tribal lender in Utah at a lower interest rate than you would’ve paid for a smaller loan locally.

New payday loans have lower interest rates and installment options in many places.

The top ten payday loan companies service most places, from locations including California, Florida, Texas, Ohio, and dozens of other states throughout the country, no matter what type of credit you have.

Payday loans offer a flexible loan approval process, online or over the phone, but differ from flex loans. While most payday lenders use fixed fees, flex loan fees can change over time.

Lenders are also often able to approve loan applications on weekends and holidays.