Applying for a Payday Loan online you can choose between a direct lender or a broker, matching service or any other third-party company. Each of them has their own advantages and disadvantages. And it’s up to you to decide which one suits you best.

Loans for ANY  NEEDS
APR from 4.99%

Contents:

Payday Loans online from direct lenders only.

Bad credit Payday Loans from direct lenders only.

No credit check Payday Loans from direct lenders.

Guaranteed Payday Loans from direct lenders.

Instant approval Payday Loans from direct lenders.

The best Payday Loan direct lenders or brokers.

TOP RATED COMPANIES

Rates last updated July 16th, 2019
4.4183445190157

LEND YOU

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

17,5%
MIN MPR

The minimal percentage allowed that actually represents monthly cost of your loan. The MPR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

LendYou.com is the easy way to find the cash you need when you need it. You’re looking for cash to pay bills, to buy a car or maybe do some work around the house. LendYou.com has the lenders you're looking for. It's easy. It doesn't matter the size of the loan you're looking for… LendYou may be able to connect you with a lender that can help.

The loans you need, when you need them.   

4.7027027027027

Check Into Cash

$1,000
Maximum Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

Varied by state
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Check Into Cash is a national leader in direct lending, providing customers with affordable, short-term, small dollar credit solution such as Payday Advances, In-Store Cash Advances, Online Payday Loans, Title Loans, Title Pawns,Check Cashing, Western Union®, walk-in Bill Pay, and reloadable prepaid U.S. Money Cards both online and in their in-store centers nationwide. They offer reliable service, affordable rates, simple requirements and convenient repayment. Compare the reviews on Check Into Cash and their products, fins out all you need about this company and apply for the service you need.

4.8275862068966

Loan By Phone

$1500
Maximum Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

260.71%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Online cash advance is really quick, easy, and confidential with LoanByPhone. They offer Payday Loans, Installment Loans and Line of Credit for both good and bad credit score customers. An easy, online application that takes only minutes to complete will help you get the approval and necessary funds as soon as possible. LoanByPhone makes the loan process really easy and mobile. Ypu can apply on the go, get funds quickly, and manage your account, all from the device at your fingertips.

4.6969696969697

Greenlight Cash

$1000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varies by state
MIN MPR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Need a financial support? We’ll find you the money when you need it most!

Online loans up to $5,000. 

Any credit is welcome.
Have less-than-perfect credit but still need a loan? It’s not a problem! Submit a request, and we’ll find a lender that will be willing to work with you.

Simple online process.
No lines and no extra paperwork! It takes a few minutes to fill out our short online form, submit it and get a quick decision from a lender.

ONLINE COMPANIES

Rates last updated July 16th, 2019
4.0322580645161

Your Faster Payday

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

16,6%
MIN APR

The minimal percentage allowed that actually represents the cost of your loan borrowed for a month. It's more significant criterion than APR as mostly Payday loans are borrowed for 14-30 days until the next paycheck.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

How does YourFasterPayday.com work? You’re looking for cash to pay bills, to buy a car or maybe do some work around the house. YourFasterPayday.com has the lenders you're looking for. It's easy. It doesn't matter the size of the loan you're looking for... YourFasterPayday may be able to connect you with a lender that can help. Fill out the block above to get started.

4.375

Fast Holiday Loans

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

200%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Get cash for the holidays! Get a loan of up to $15,000 as soon as the next business day! Wrap Up the Holidays with up to $15,000 in Cash! This holiday season, get the cash you need. We’ll connect you with a lender who can provide up to $15,000 to take care of all of your holiday expenses!

Benefits:

  • Easy Online Application
  • Safe and Secure
  • Fast Decision
  • Trusted Source
4.5714285714286

Bad Credit Loans

Available for Bad Credit

BadCreditLoans.com has been in the business of helping people since 1998. We make it simple for consumers to get the funds they are looking for online.

We offer: 

  • Bad Credit Personal Loans
  • Bad Credit Business Loans
  • Bad Credit Credit Cards
  • Bad Credit Mortgage Loans
  • Bad Credit Home Loans
  • Bad Credit Student Loans
  • Bad Credit Auto Loans

Online Payday Loans from direct lenders only or brokers.

A direct lender is a form of corporate debt provision in which lenders other than banks make loans to companies without intermediaries such as an investment bank, a broker or a private equity firm1

It means that, from beginning to end, you only have to deal with one company when getting a Payday Loan. It provides you with certain benefits:

  • Clear rates and fees – you get detailed information on rates and fees offered by this exact direct lender.
  • Repayment is simple and quick– you only pay one company; never any third-party lenders or other creditors.
  • Quick application and approval processes– It concerns only those cases when you know for sure that you’re going to apply for a Payday Loan from this lender and you don’t need to compare other offers. Otherwise you may lose more time applying with many different companies.
  • Your personal information and financial data are secure – The fewer people are engaged into your financial operations the safer the process is likely to be. You can be sure that your information won’t be passed to third-party companies. But make sure that you deal with a licensed lender.
  • Friendly customer service – when you appky directly to a lender you can ask any question, get help or file a complaint and expect a quick answer or solution.

If you use indirect Payday Loan companies such as brokers or matching services, you have to deal with multiple companies to get your money. This means you apply only once and get access to a lot of lenders which you can compare and choose2.

This way of borrowing also has some advantages:

  • It saves your time as you don’t have to apply with 10 or 30 or 50 direct lenders one by one until you find a suitable offer;
  • It lets you compare the rates and fees from multiple companies to choose the cheapest and most affordable Payday Loan;
  • It guarantees safety of your personal information as most services such as COMPACOM have ssl certificate, McAfee protection and data encryption;
  • Applying with a broker or matching service you can be sure that you won’t become a victim of a fraud as their partners are all licensed legal companies;
  • The total cost of a Payday Loan doesn’t get higher if you use a matching service as you are not charged with additional fees. All the charges are paid by a lender.
  • Besides an opportunity to apply online you get a lot of educational information very useful for those who are not experienced borrowers.

Whether you are choosing a broker or a direct lender, you should check out for the best loan terms and interest rates and conditions before applying.

Direct lenders for bad credit Payday Loans.

In contrast to traditional banks direct lenders are likely to approve most customers not paying attention to their credit score. Sometimes it’s even possible to avoid a credit check. Most lenders guarantee online Payday loans for bad credit if you have a regular income. For a matching service it’s definitely not a problem to find you a suitable company no matter what credit score you have.

As you understand, not all direct lenders will make bad credit Payday loans. People with bad credit are considered more likely to default on loan payments, and some lenders will not take on that risk. If a direct lender does provide loans to people with poor history of borrowing, the interest rate is normally high.

No credit check Payday Loans from direct lenders.

Those looking for NO credit check Payday Loans are recommended to apply directly to a lender. Many of them advertise their loans as easy to get even for bad credit and with no credit check. Matching services or brokers can’t guarantee this as it’s only up to the lender to decide whether to approve you or not. They take into account all your individual details such as:

  • Employment history
  • Income
  • Home ownership
  • Credit history, etc.

On the basis of these criteria a direct lender has the right to do a hard inquiry, a soft inquiry or no credit check at all. So, on the one hand, it’s more reliable to find out such information addressing the lender directly. But on the other hand, there are not many such offers, so it would be easier and faster to find one using a comparing service.

Guaranteed cash advance from direct lenders.

Mostly Payday Loans are applied for online. It’s true that short-term cash advance from direct lenders is more flexible and allows much greater chance of approval than banks, credit unions or other regular financial institutions.

In fact, lending companies approve so many payday loan customers that they advertise their cash advance as “guaranteed.”

Guaranteed payday loans from direct lenders mean that they are quickly processed, and oftentimes, processed entirely online. The requirements are very simple:

  • an active US checking account,
  • setting up auto-deductions for repayment from that account,
  • being 18 or older,
  • not having other payday loans still outstanding.

And frequently, you can get approved online after a couple of minutes request process.

But be careful, “guaranteed Payday Loans from direct lenders” doesn’t imply approving anyone for any amount of cash advance. If a company gives you such promise make sure it’s a licensed lender but not a fraud.

Direct lenders offering instant approval for Payday Loans.

When you have urgent expenses to get from one paycheck to the next one, one of the best options is to apply for an instant payday loan. If you meet direct lenders basic requirements and adequate income enough to repay the loan on time, you should likely be approved.

Payday loans will be for small sums of cash only, normally for $1,000 or less. And you will have to repay them in full within either 2 or 4 weeks’ time, depending on the direct lender’s terms and conditions.

The most convenient and fast way to get a payday loan from direct lenders is online:

  1. You fill out a simple application form. No matter whether you apply with a direct lender or a broker the process is practically the same and includes similar information: loan amount, your first and last name, your e-mail.
  2. You get instant decision from a direct lender in some minutes.
  3. You study the terms and conditions of the agreement offered by the lender and if you agree you sign it.
  4. You get the money directly into your bank account within 24 hours or you can drive to the Payday Loan store and receive the cash the same day.
  5. Repayment is done automatically when the lender withdraws the cost of the loan from a postdated check as soon as you get the next paycheck.

You can use online matching services as well. Sometimes it’s even quicker than applying with a direct lender. You fill out an application form only once to get access to the database of companies ready to offer you the necessary funds. You avoid a credit check done each time you apply to a direct lender. So your credit history won’t suffer and the score will not become less. If you pay back on time you can even improve the credit score.

Compare the best Payday Loan direct lenders to brokers and matching services.

 

Direct lenders

Brokers or matching services

Application process

Takes about 2 minutes with each direct lender, includes your bank account, name and e-mail information.

Takes about 2 minutes, is filled out only once and sent to multiple lenders to find the one that matches your criteria best. Includes your bank account, name and e-mail information.

Time

Some minutes to fill out an application form each time you apply and several minutes to get an instant decision from a lender. If you are approved you get the money, if not – start this process from the beginning with another direct lender.

Some minutes to fill out an application form once and some minutes to get offers from direct lenders ready to approve you.

Rates and fees

Vary by each lender, usually 400% APR on average. It depends on the amount you need, your income and credit score and lender’s conditions.

Vary by each lender, usually 400% APR on average, but you have a chance to compare and choose the cheapest offer. Additional fee may be charged for matching service.

Comfort

You get individual service and answer to any question about this particular loan.

You get general information on Payday Loans, average rates and fees, besides you find a lot of useful advice on lending process. On your request you can receive the details on loans from any direct lender.

Money transactions

You get the money directly from the lender into your bank account. And you pay back also to the lender without any third parties.

You get the money directly from the lender into your bank account.

Safety of your personal data

Depends on each lender, his privacy policy, terms of use and safety policy.

Most matching services have ssl certificate, McAfee security and data encryption.

Bad credit

Most direct lenders approve bad credit borrowers, but you need to specify it with each lender.

If you apply with a matching service, there is 99% guarantee that you’ll find the one approving bad credit borrowers.

Credit check

Varies by each direct lender and your individual qualifications criteria.

The chances to find a lender with NO credit check are much higher.

Location

Online and In-store

Mostly online, 24/7

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000