Apply for a short-term $100 - $1000 Payday Loan safe online and learn how to get an instant decision from a legitimate direct lender. Find the lowest rates, convenient terms, bad credit Payday cash advance approval with the help of our expert advice.


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Table of Contents: 

Legit Payday Loans by state laws and regulations

What Should You Consider before applying for Safe Online Loans?

Safe Payday Loans from legit direct lenders

Most trusted Payday Loans online

How to get safe online Payday Loans? 

Legitimate Payday Loan companies

Legit Payday Loans for bad credit

Legit Payday Loans with no credit check

Are Short-term Payday Loans legal?  

Here are some peculiarities of safe and secure Payday loans you need to know before applying:

  • Legit Payday Loans can be both secured and unsecured. Finding a short-term loan that doesn’t require any form of collateral is not a problem, but some lenders might require collateral in the form of your car’s title.
  • You can take out a safe Payday Loan both instore and online. If it's a really reputable lender he must offer you both variants for your convenience.
  • The processing is very fast. Most lenders deposit the money into your bank account the next business day. Some can even give you access to Payday Loans same day.
  • You can use the borrowed money for any personal needs.
  • The total cost of the loan includes the APR, interest, and additional fees. Check them out before applying for a loan. Choose the lender with the lowest rates.
  • You can find legit Payday Loans for bad credit.

Read more: Payday Loan Laws and Regulations by state

What Should You Consider before applying for Safe Online Loans?

  • You can get safe loans online quickly. When you’re applying for a short-term loan, you can get your money immediately after approval if you apply in-store, and most online lenders transfer approved funds to your bank account the next business day.
  • Freedom to use the money as you like. You apply for a legit loan no matter what reason you need the money.
  • Bad credit is OK. Legitimate loan companies will accept applications from people with poor credit histories, but make sure you compare other aspects when looking for the best bad credit short-term loan.
  • Higher than normal fees. Even the best legit Payday loan company will charge fees for providing loans, and short-term loans tend to attract higher fees in comparison to conventional loans. A general rule of thumb is that the more you borrow, the more you pay in the form of fees.
  • Disreputable lenders. If a short-term lender sounds great and is offering rates too good to be true, be sure to find out if they are. Ensure the lender complies with all relevant state regulations and that they are operating legally.
  • Not always available. In some states, Payday loans are not legit. If you live in one of them, look into installment loans or personal loans instead.

$100 - $1000 Safe Payday Loans from legitimate Direct Lenders 

Compare the most trusted Payday Loans from direct lenders online:

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 


Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
  • Not a direct lender.


GoGoPaydayLoans offers Payday Loans at affordable rates with convenient repayment terms. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $1000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day

$100 - $1000 Payday Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
  • You can get even as low as $100.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees. offers Personal Loans online at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $5000
  • Terms: Vary by state
  • Rates and fees: Varied
  • Turnaround Time: 1 - 2 business day

Personal Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • Quick - no driving, waiting, faxing, paperwork.
  • High approval rate even for bad credit borrowers.
  • Online Payday cash advance with no collateral or co-signer.
  • 24 / 7 online service.
  • High interest rates.
  • Available not in all the states.
  • Only loans up to $5000 are available.


How to choose a legit direct lender for safe Payday Loans?

Online lending is a competitive business. Finding an online lender is not difficult, but choosing the best one among the numerous banks, credit unions, private lenders and loan brokers is a real challenge. The following recommendations can help you:

  • read the reviews
  • ask for references
  • check if the lender is legal
  • choose an experienced lender
  • read the agreement carefully before signing it.






Legal Online $100-$1000 Payday Loans  

If you need a short term loan, look through the advice from the Federal Trade Commission (FTC), the nation's consumer protection agency. Even when dealing with honest and reputable lenders, you'd better keep an eye out for some details such as: 

  • Prepayment penalties: A loan will naturally cost more if the term is longer. That's why some lenders don't want you to pay it off earlier.
  • Additional fees. APR is the main factor why borrowers choose this or that company. So lenders try to make it competitive. But they add some other fees to raise the cost. They include  “closing fees”, “loan service fees”, “establishment fees” and many others. 
What can scams do to make your Payday loan not very safe?

So, be careful. Use only verified services or read further for our advice.

Safe Payday Loans

How to get safe and secure Payday Loan online? 

  1. Apply online
  2. Get instant decision from a legitimate loan company in just a few minutes
  3. Get connected with a suitable legitimate direct lender
  4. Once approved, check if a loan is safe and sign the agreement
  5. Get the funds into your bank account possibly same day with a secure direct deposit.

Payday loans can be expensive; other credit offers may come with lower rates and costs. It's important to shop and compare available offers before you decide to take out an online payday loan. When you are comparing credit offers, use the Internet or other sources to learn about the reputation of credit providers.

To shop for a Payday Loan with a positive result follow the advice:

  • use a comparing service to find the cheapest cash advance;
  • consider other low interest Personal Loan alternatives;
  • make a repayment plan to avoid defaults or late payments;
  • plan your budget;
  • get overdraft protection of your bank account;
  • think of all the options to get the necessary funds.

What are legit Payday Loan companies?   

Payday Loans in the USA  are controlled by the Federal Law and state's rules and regulations. Check the regulations in your state to make sure your lender is operating legally. It's important to choose the legit company as only in this case you'll be able to complain and get help from authorities. 

There are several ways to check if the company works on a legal basis. Take into account the following factors:

  • Better Business Bureau accreditation. Those lenders who have it are sure to provide safe and secure service.
  • Valid and true contact details. A reliable lender must give a physical address, phone number, or chat.
  • No hidden fees and charges. All the loan terms and conditions, including amounts, terms, fees, repayment are to be clearly stated in the agreement.
  • Funds for any personal needs. There shouldn't be any limits on the ways how you are going to use the money.
  • No money upfront. The only origination fee is possible to be requested before you get the loan. All the other charges are included in the total cost of cash advance.

Legit Payday loans for bad credit  

Online lending is getting more and more popular nowadays. It's definitely more competitive, efficient, convenient, faster, easier, and even safer! 

Shopping for a legit Payday loan online offers important advantages, such as:

  • a wider selection of legit direct lenders,
  • guaranteed instant approval,
  • safe application process,
  • quick same day funding.
Legit Payday Loans for bad credit

Legit Payday Loans with no credit check

Actually, if you want to get really safe Payday Loan, you'd better consider legit lenders who perform at least a soft inquiry. It allows you to check if you really can afford the loan. And the lender verifies your creditworthiness. However, you can find safe loans with no credit check. Though, they may be more expensive.

What are safe Payday Loan alternatives?

Working with us, you get only safe Payday Laons from legit direct lenders!