What are Payday Loans Online?

Payday loans online are small loans that are repaid within 1 month. They are easy to request, have high approval rates, and there are no hard credit checks. To get your loan online, you just fill in the short and secure request form.

How Does the Online Loan Process Work?

How Does the Online Loan Process Work?

  • Complete and submit the loan request form, and it only takes 2 to 5 minutes.
  • Get an answer in 90 seconds or less and get connected to your direct lender in seconds if approved to review loan terms.
  • Get your cash in 1 business day.
Basic Requirements to Apply for a Payday Loan

Basic Requirements to Apply for a Payday Loan

There are a few basic requirements to request an online loan:

  • You must be at least 18 years of age,
  • You must have an email and phone number (cell is fine),
  • You must be a citizen of the US or a legal resident,
  • You must have a current bank account,
  • And you must have an income of at least $1,200 a month.

Use Your Cash as You Wish

You can use your loan money in any way you wish; there are no restrictions. However, we strongly recommend you only use an online payday loan for emergency needs and not for trivial items or luxuries.

Auto Repairs
Medical Expenses
Utility Payments
Car Bills
Other Urgent Expenses
Payday Loan Interest Rate & Fees

Payday Loan Interest Rate & Fees

Payday loans are fee-based loans which mean there is a set fee for every $100 you borrow. These fees are governed by state laws and vary between states. Interest rates are high, but these loans are not annual or long-term loans like traditional loans. You should focus on the fees and if you are comfortable with the fees associated with your loan offer.

Loan Repayment Options

Loan Repayment Options

The normal way a loan is repaid is to have it removed from your next paycheck. Every state has laws governing payday loans, and they vary. So, either check your state’s website to see your rules and regulations or ask your lender about repayment options. Most states limit how long your loan can be outstanding.

What Makes Loans in a Day
                            Different from Other Companies?

What Makes Loans in a Day Different from Other Companies?

We have a proven system to get the maximum number of people approved for payday loan online requests. It is typically around 80%! Our online form is simple and secure, and you get an answer incredibly fast. Bad credit is not a limiting factor to get a loan. We are not a lender but a referral service, and this allows us to have your loan request viewed by as many as 100 lenders in just seconds. Only 1 lender will contact you if your request is approved. You are never under any obligation to accept a loan offer; it is entirely up to you!



Very, very safe. We use the latest encryption software to protect any sensitive information, and we purge all data within a month of receiving it. You won’t see others saying that!

Every state has different borrowing limits, and the range of loan size is from $100 to $1,000. Most states do not allow more than $500 for a payday loan online, and you can rarely get a second loan until the first one is paid off. Again, either check your state’s website or ask your lender.

In most cases, this is not possible. In part, banks cannot process fast enough to meet this need, and most lenders also cannot process fast enough either. There are exceptions, so ask your lender.

Yes, you can. In fact, more than half of all payday loans are for people with poor or bad credit.

Direct lenders do not do hard credit checks with the big credit bureaus, which causes lengthy delays in processing your request. Plus, payday lenders have learned that your credit score is not the best indicator of your ability to repay your loan. Your current and upcoming income is the best indicator of loan repayments.

Your money is deposited in one business day after approval and signing docs. It is directly deposited into your bank account for your immediate access. Some small banks process deposits slowly and can cause it to take longer than one business day.

The cost varies from state to state based on the current state laws for where you reside. That said, most states limit the loan fees to $15 - $30 per $100 borrowed. So, a $300 loan could cost from $45 to $90.

You repay your loan amount and fees from your next paycheck. Some states and lenders allow you to pay back your loan in 1 month, which is usually the state-mandated maximum time for the loan.

If you know you may be late or miss your loan payment, you should contact your lender immediately. Do not wait! Most lenders will work with you to establish a new payment date, but there will be additional fees. We recommend you consider not getting a loan if you are not sure you can pay it back when it is due for repayment.

There are several reasons you may be rejected for a payday loan request. If you have an outstanding loan, then most states will not allow you to apply for another one. Lenders follow the state laws and are licensed in each state they lend in. If you recently defaulted on a payday loan, it is unlikely you will be approved for another for some time. The other common reason is that you do not have enough income to qualify for a loan or a loan of the size you want. You may have to be flexible in the loan request amount if your income is very low. Remember that income from alternate sources like annuities, retirement plans, disability, child support/alimony, etc., can be considered when you request the loan.