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Payday Loans in the USA

Payday Loans Online - up to $1,000 Cash Advance

4.254780719555
Last updated:

Compare Payday Loan offers from more than 300 direct lenders. Check their amounts, fees, eligibility criteria, and other conditions in order to choose the one that best suits your needs. Or fill out a quick Compacom form right now and it will automatically be sent to all the companies. It’s much faster and more convenient than applying to each one individually. If you qualify, you’ll get the money in your account within 1 business day.

* Always check the lender’s rates and fees as they may vary. We only give general information. Be attentive. Borrow responsibly! It’s up to you to make a wise decision.

Cash Advance and other Money Offers in the USA

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Compare Payday Loans from Direct Lenders and Other Financial Services Online

Find the best Payday Loans offers choosing among a variety of legit reliable online and in-store lending companies.

TOP RATED COMPANIES

Rates last updated August 3rd, 2020
4.2875782881002

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
4.3330111164814

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
4.3244739756368

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
4.3986254295533

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
4.0784671532847

Indylend

$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 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.

200%
MIN APR

The 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 Co-signer

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

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Compare top online companies offering fast cash advance with no faxing, no paperwork, possibly no hard credit check and no teletrack. Filling out a free application form guarantees you instant decision and high approval chances even if you have a bad credit score.

ONLINE COMPANIES

Rates last updated August 3rd, 2020
4.1726618705036

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
4.2525773195876

Personal Loans .com

$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 for Payday Loans, $1000 - $5000 for Installment loans, and up to $35,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varied
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 Co-signer

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

Legal Status of Payday Loans by State

Payday Loan Laws in Alabama AL Payday Loan Laws in Alaska AK Payday Loan Laws in Arizona AZ Payday Loan Laws in Arkansas AR Payday Loan Laws in California CA Payday Loan Laws in Colorado CO Payday Loan Laws in Connecticut CT Payday Loan Laws in Delaware DE Payday Loan Laws in District of Columbia DC Payday Loan Laws in Florida FL Payday Loan Laws in Georgia GA Payday Loan Laws in Hawaii HI Payday Loan Laws in Idaho ID Payday Loan Laws in Illinois IL Payday Loan Laws in Indiana IN Payday Loan Laws in Iowa IA Payday Loan Laws in Kansas KS Payday Loan Laws in Kentucky KY Payday Loan Laws in Louisiana LA Payday Loan Laws in Maine ME Payday Loan Laws in Maryland MD Payday Loan Laws in Massachusetts MA Payday Loan Laws in Michigan MI Payday Loan Laws in Minnesota MN Payday Loan Laws in Mississippi MS Payday Loan Laws in Missouri MO Payday Loan Laws in Montana MT Payday Loan Laws in Nebraska NE Payday Loan Laws in Nevada NV Payday Loan Laws in New Hampshire NH Payday Loan Laws in New Jersey NJ Payday Loan Laws in New Mexico NM Payday Loan Laws in New York NY Payday Loan Laws in North Carolina NC Payday Loan Laws in North Dakota ND Payday Loan Laws in Ohio OH Payday Loan Laws in Oklahoma OK Payday Loan Laws in Oregon OR Payday Loan Laws in Pennsylvania PA Payday Loan Laws in Rhode Island RI Payday Loan Laws in South Carolina SC Payday Loan Laws in South Dakota SD Payday Loan Laws in Tennessee TN Payday Loan Laws in Texas TX Payday Loan Laws in Utah UT Payday Loan Laws in Vermont VT Payday Loan Laws in Virginia VA Payday Loan Laws in Washington WA Payday Loan Laws in West Virginia WV Payday Loan Laws in Wisconsin WI Payday Loan Laws in Wyoming WY
Available (with some restrictions)
Illegal

Table of Contents:

What are online Payday Loans?

How do online Payday loans work?

Online Payday Loans benefits

Can I get online Payday Loans instant approval?

How to apply for Payday Loans online?

Online Payday Loans from direct lenders

How much do online Payday Loans cost: rates and fees?

Are online Payday Loans available for Bad Credit? 

Can I get Payday Loans online with no credit check?

Fast Payday Loans online same day

Short-term loans

Small Payday Loans

Other online loans alternatives - not Payday Loans 

Payday Loans near me

Where can I get Payday loans near me?

Loan places near me

Nearby Payday Loan from direct lenders 

How to apply for Payday advance loans near me?

Same-day cash advance near me

Cash store near me vs Online Payday Loans

Cash Loans near me from direct lenders: pros and cons

Payday Loans near me no credit check

Payday Loans bad credit near me

Payday Loan places near me alternatives: banks, credit unions, check cashers

What are online Payday Loans? 

According to the most commonly accepted definition, issued by CFPB, a Payday Loan – is a “short-term, high-cost loan, generally, for $500 or less, that is typically due on your next payday”1.

Wikipedia defines it as “a small, short-term unsecured loan, regardless of whether repayment of loans is linked to a borrower's payday”2.

Investopedia sees Payday loans as a type of short-term borrowing where a lender will extend high-interest credit based on a borrower’s income and credit profile3.

In a nutshell:

Having analyzed these definitions we understand the main ideas of Payday Loans (which can be also called a payday advance, salary loan, payroll loan, small-dollar loan, short term, or cash advance loan) to be:

  • short-term (14-30 days),
  • for small amount (up to $1,000),
  • available even with bad credit (even for borrowers with poor FICO credit score),
  • high-cost (with the APR from 391% to 3,733%)
  • unsecured (is given without any collateral)

As you can see, rates and other lending conditions are varied, which sometimes makes the borrowers confused. That’s why it would be wise to compare all the lenders ready to offer you money and choose the one most suitable for you. This opportunity is given by the COMPACOM website with more than 300 Payday Loan direct lenders as well as in-store companies.

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How do online Payday Loans work? 

One can take out a Payday Loan as well as an Installment Loan in-store or online. The process consists of three easy steps:

  • Online application
  • Get approved in a few minutes
  • Get Your Money in 24 hours or even today

Online borrowing is definitely faster, easier, and more convenient. You spend only a couple of minutes filling out an application. It’s free and doesn’t affect your credit history. And you get the chance to compare the most reliable licensed companies or we match you with any of 300 direct lenders that suit you.

The process is:

  • Fast (a minute for applying, a couple of minutes to get approved, less than a day to get the money);
  • Easy (no driving, waiting in lines, doing paperwork, looking for a guarantor or collateral is required);
  • Safe (your private information is secured and all your rights are protected as we only work with legal state-authorized companies). 

online cash advance   apply for online payday loans   get same day online loans

Online Payday Loans benefits 

It may be more convenient for you to borrow online if you:

  1. Don’t have a car. An online payday loan can be more useful if you have some problems with transportation and the nearest store location isn’t within walking distance. Borrowing through the Internet, the full process — from applying to receiving your funds to repaying your loan — takes place online.
  2. Don’t need money immediately. Payday loans are designed to cover an emergency. But if you can wait about 24 hours for an online lender to process the application and deposit the money, you might save yourself a trip.
  3. Are an experienced borrower, rather educated about loans. If this isn’t your first payday loan, you might not need immediate answers about the process. In this case, you can save the hassle by completing an application online.

Can I get online payday loans instant approval? 

Most borrowers choose Payday Loans as they need cash fast. That's why instant approval is likely to be very important for them. Is it really true that you are guaranteed to be approved for a loan in some minutes? What the lenders do promise is an instant decision. The application process is really quick and easy. You are required to fill out only some simple information including your personal data, phone number, e-mail address, etc. Besides, you may be sure it's absolutely safe. 

What concerns approval, it depends first of all on the lender, and secondly on your following all the eligibility criteria. Whether a lender does a credit check, whether it's hard or soft, whether you have good or bad credit, will affect the time necessary for approving you or not. 

Luckily, in most cases, Payday loans are available even with bad credit and therefore they can get the money the same day, or even in an hour if they borrow in-store.

Read more:

How to apply for Payday Loans Online? 

If you already have some experience borrowing money or are good at surfing the Net and doing research online lending will definitely suit you. At the modern age of high technology and the world wide web, the majority even order food, buy clothes, book tickets, etc. online, to say nothing about borrowing money. No doubt, it’s faster, easier, and more convenient. You fill out a free application online. It doesn’t affect your credit history as it usually doesn’t imply a hard check. And in some minutes you are connected to the direct lender, and in case you get approved you get the money into your account in less than 24 hours. Or you can use the service of a lending broker company that will provide you access to many lending organizations so that you can choose. Or, which seems the wisest way, use our COMPACOM website to get the chance to compare both online and in-store lenders near you, or in your city, or in your state and decide whose rates and other conditions suit you best. 

Online Payday Loans have their pros and cons you should consider:

Pros
  • fast: 1 minute to apply, instant approval, less than 24 days to get money;
  • easy and convenient: no driving, no paperwork, no waiting in lines;
  • applying is free and doesn’t affect your credit history;
  • funds go directly to your bank account, you don’t have to get cash, deposit it into your account or leave a postdated check;
  • accessibility: every person possesses a smartphone or laptop and can easily go online available for candidates with low (about 600) FICO credit score;
  • being able to compare a lot of lenders with their rates and fees at one time, which can be easily done with COMPACOM service;
Cons
  • There can be some scams, who want just to get your private information. So be careful, before applying check whether the lender is authorized and legal. You can do it with a quick Google search; go to https://www.trustpilot.com/ 4, call the Better Business Bureau at https://www.bbb.org/ 5, or speak with a customer representative for that company.
  • It sometimes can be rather expensive, you may be charged additional fees such as verification, database, administration fee. But it’s easy to avoid overpayment if you study and compare all the offers at first. Even if you pay off the loan earlier than agreed there won’t be any prepayment penalties, but there won’t be any savings either.

Online Payday Loans from direct lenders 

When you decide to take out a Payday loan the first most important thing is to find out their legal status and regulations in your state, and the second – to choose a reliable lender. It's very important to find a licensed lender with good experience and verified reviews because:

  • Usually, loan amount, rates and fees depend on the lender;
  • The requirements, as well as your chances of being approved for a cash advance even if you have bad credit, are also different according to the lending company;
  • You can be sure that your rights are protected and your privacy is secure only if you deal with a legally licensed lender who works under the state’s regulations.6

Before applying with a certain lender follow this expert advice:

  • Check it out on the Ministry of Government and Consumer Services’ website.7
  • Go to the Consumer Protection Branch website8.
  • Search for License / Lender / the name or address of the lender.
  • You’ve got the list of all the licensed Payday lenders in the state. If the company you want to apply is not there, you’d better choose another one. Otherwise if you have any problems or complaints you won’t be able to get any help or protection from the state.
  • Compare Payday Loan Lenders Online at COMPACOM

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How much do online Payday Loans cost: rates and fees? 

$100 - $1,000 Payday Loans are often avoided because of high interest and APR. But if you get into details, you find out they are not so expensive as it may seem. A short-term cash advance is due with your next paycheck, which means not later than 31 days usually. Even with the APR of 400% the total cost of the loan borrowed for a month won’t be more than $33. It’s only about $1 a day! Don't believe it? Prove it by counting the cost of your cash advance using our calculator:

PayDay Loan Calculator

?
Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
?
The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.
?
To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
?
It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

Are online Payday Loans available for bad credit? 

When we speak about the level of trust with you as a borrower we often mean things such as “good credit” and “bad credit”. What do they mean? Your credit account history is gathered and processed by credit reporting agencies, compiling your annual report. If it contains positive information, you are said to have good credit. If there’s a lot of negative information, such as defaulting loans, late payments, etc., you are a bad credit borrower.

Bad credit can affect your chances to get approved for a loan, find a good job, buy a car, or rent an apartment. That’s why you need to understand how the financial system measures your credit score. A credit score is a number that lenders use to quantify how risky a borrower you are. It’s used by banks and credit card companies to see if they want to lend to you.

Our Direct Partners

We represent payday, personal and installment loans offers from more than 300 direct lenders with reasonable rates and other conditions including your credit score. Our partners look at the overall situation, and not just your credit. Payday loans in the amount of $100-$1000 are available even for those with fair or poor rank.

Can I get payday loans online with no credit check? 

When you apply for a Bad Credit Unsecured Payday Loan you naturally try to avoid credit check.  Hard or even soft inquiry is believed to affect your score which may be a bad FICO score and you don't want to make it even worse. NO credit check Payday Loans sound more like a myth than reality as it is necessary both for you and for the lender. It's the way to decide whether to approve you or not and to let you make sure that you are able to repay the loan. Still there do exist some lenders ready to do without credit check compensating their risks by higher APR or other fees. 

Fast Same Day Payday Loans Online 

Payday Loans are often very small, the amount starts from $50 and up to $1,000. They are given for a short period of time, usually up to a month. And they have very simple requirements. That's why it's usually easy and quick ti get the necessary funds. You get an instant decision from one of the direct lenders as soon as you apply. After you are approved the funds will be deposited into your account within one working day if you borrow online. And it may take less than one hour if you apply in-store near you. To get a Payday Loan  you should follow these easy steps:

find the  lender   fill out the form   wait to get approved get your money

Short-term Payday Loans online

Short term payday loans are the best option for borrowers with bad credit who need an emergency cash advance. Short term loans provide you with instant funding which you can repay within a few weeks, usually up to a month. Among the other benefits of such Payday advance are:

  • same day loan deposit
  • easy and quick online application
  • no hard credit check
  • any credit score is welcome
  • available 24/7 online or in a store near you
  • you can use it for any purpose

Small Payday Loans online

Small Payday loans range from $100 to $1000 and suit the applicants who would like to repay the cash advance with their next paycheck. Direct lenders offer such small-dollar loans to people in need of urgent expenses such as paying bills, having a car repaired, etc. It's wise to apply for such cash advance when you need money fast the same day without any paperwork, faxing, credit checks, etc. Besides, small loans are available for both good and bad credit borrowers. 

Other online loans - not Payday Loans 

Alternatives to Bad Credit Payday Loans (pdf)

There are some other alternatives, but payday – is the fastest and easiest choice. 

When you urgently need money but can’t or don’t want to take a payday loan consider the following options:

  • Personal loan (has lower APR, longer terms and higher amounts)
  • Credit card cash advance (cash based on your credit limit for a fee)
  • Ask family or friends for help.

"Putting it out of business will simply drive it underground into the hands of gangs, local crime bosses or worse,"  says W. Todd Roberson, a senior lectof finance at the Indiana University Kelley School of Business . "While payday lenders might not be the most respected businesses, at least they operate above the law, are required to follow employment and financial disclosure policies that any business must follow and generally only harass people who can't pay; think of how a criminal element would handle collections."

Still, the majority prefer payday lending.

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Payday Loans near me

Payday Loans near me

Looking for a quick unsecured bad credit Payday Loan near you? Learn all the options you have. Compare the pros and cons of both online and in-store lenders. Find out where else you can look for a "loan near me". Read about the ways to get the same day funding. Find locations near you to apply for a Payday cash advance easier, faster, and more advantageous.

Though online loans seem to be easier and faster some people may prefer to go to a real store, talk to a real person, ask for advice or help and get the money just the same day, or even the same hour.  For some people it’s a benefit if they prefer face-to-face communication like to see everything with their own eyes, to feel, touch, maybe even smell))) Seriously speaking, there is always a real person to answer any of your questions and help with any problems. Some lenders may ask you to bring some documents from work or bank, and maybe to leave a post-dated check to secure a loan. To pay it off you can come back to the store or do it through electronic debit. Choosing storefront Payday loans may be the right decision for those who do it for the first time, feel unconfident or lack some information.

Before going to the nearest Payday store consider the following advantages and disadvantages:

Pros
  • personal contact and ability to see the lender, to discuss their conditions, to ask questions and get some help on the spot;

  • the specialists’ support and help, for example, in filling out an application;

  • sometimes at the front store you can receive money right on the same day whereas applying online you may wait till tomorrow;

  • stores are more easily controlled by state which means they are more likely to be legal

Cons
  • It may take a longer time than online lending which requires only a few clicks. 
  • If you want to compare loans, you’ll have to visit various lender locations, which means driving, losing time in traffic jams.
  • You have fewer options to choose from as they are limited to your location. 

Where can I get a Payday loan near me?

Payday loans are made by payday loan stores,  or at stores that sell other financial services, such as Check Cashing, title loans, rent-to-own and pawn, depending on state licensing requirements. Loans are made online via websites of direct lenders or brokers and mobile devices.  CFPB1 found 15,766 payday loan stores operating in 2015.2 

There are a few largest Payday lending companies. Advance America has about 2400 stores throughout the United States. Cash America International has more than 1000 stores; QC Holdings has about 500 outlets, while EZCORP Inc. has about 900 US outlets, with roughly 500 being financial service stores3.  

Interesting to know!
The greatest number of Payday loan stores are found in California, Tennessee and Texas (more than 1000 stores in each state). Texas is the leader with 3889 stores. Maine has the fewest, just eleven.
Mississippi has the highest number of payday lending stores on this basis of the number of payday lenders per 10,000 people, followed by South Dakota, Alabama, Tennessee, Texas, Missouri, Delaware, Kentucky, and Kansas, which all have more than one store per 10,000 people.4

Loan places near me

If you are looking for loan places near your location, first of all you should go online and enter your city or ZIP code to see the options nearby. Loan places can be cash stores or check cashers. They are also divided by the type of cash advance they provide. So, you'd better surf the Net for the Payday Loans near me, or INstallment Loans near me, etc. As soon as you find the companies at your location, look for their addresses, directions and other necessary information. Compare the rates and fees and drive to the nearest loan place.

Find Payday loan places near you on the map.

Check Your Rates for Payday Loans 

Choosing a nearby Payday Loan direct lender 

Before making up your mind where to borrow compare all the options, take into account all pros and cons of online and in-store lenders. And do some research to find out whether the lender:

  • Works according to the state’s law and legislation and is licensed to give short-term loans
  • Takes care of the safety of your personal data and other private information
  • Has a safe website that keeps your information
  • Doesn’t sell your information to a third party
  • Has only positive customer reviews

Or trust this task of choosing a verified lender to a reliable broker or comparing service like COMPACOM.com.

How to Apply for quick Payday loans near me? 

Need a loan now? If you’ve decided that a Payday loan in a store suits you better than online you’ll definitely wonder how to find the nearest to your location. We can give you some useful advice on how to find the quickest and easiest way:

  • First of all, check whether your state permits Payday and other short-term loans
  • Surf the Internet for Payday stores in your state and your city
  • Compare the best offers using COMPACOM.com
  • Specify your location to see the nearest stores
  • Go to the store to fill out an application form and get the money or start applying online to receive the cash later in a store.

If you live in a faraway place you may find it difficult to find many good options near you. So it would be a wise decision to get a loan online.

We reviewed the best Payday Loans direct lenders offering emergency cash advance both online and in a store near you. 

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.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • 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)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

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
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • 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)
Pros
  • You can get even as low as $100.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Loan By Phone offers Payday Loans, Installment Loans and Line of Credit.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $3000
  • Terms: Varied
  • Rates and fees: Vary by state
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Line of Credit
  • 21 years of age
  • Social Security Number
  • Proof of Income (from your job, pension, welfare, or other source)
  • Valid email address
  • Active checking account (open for at least 90 days)
  • Current cell/home and work phone number
Pros
  • All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.
  • Flexible repayment.
  • Available in most states.
Сons
  • High interest rates.
  • If you don't pay back on time your data may be sold to third parties.

 

Indyloan.com 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
Pros
  • 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.
Cons
  • High interest rates.
  • Available not in all the states.
  • Only loans up to $5000 are available.

 

Same-day cash advance near me 

Short-term loans are usually used by people in an emergency situation. Naturally, they mostly require the money as quickly as possible. Is same-day funding real? Yes, it is! If you borrow online, the money is promised to be deposited into your account within 24 hours. So it can be the same day, or it can come the next business day depending on the lender, processing time, the time when you applied, whether it was the beginning of the end of the working day.

In the case of applying in-store, you have a 99% chance of getting the cash right away. Of course, it may take you longer to drive to the shop, to wait in a line, to do paperwork. But as soon as the application is processed and all your data are verified, you are lent the money you need. 

Cash store near me vs Online Payday Loans 

 

Payday loans near me

Payday loans online

Amounts

$100 - $1,000

$100 - $1,000

Applying process

  1. Drive to a store
  2. Wait in a line
  3. Fill out an application
  4. Show all your documents
  5. Wait to get approved
  6. Get money
  1. Fill out an application form online
  2. Wait for it to be processed and approved
  3. Get the money deposited into your bank account
  4. Withdraw the money from the account

Processing

Verifying your ID, employment status, soft or no credit check, approving you or not for a certain amount of loan.

Checking your score, employment, and bank account, approving, depositing money.

Requirements

  1. You are the resident of the state
  2. You are over 18 years of age
  3. You have a permanent job and a stable income
  4. You have an open and active bank account
  5. You have a valid telephone number and e-mail
  1. You are the resident of the state
  2. You are over 18 years of age
  3. You have a permanent job and a stable income
  4. You have an open and active bank account
  5. You have a valid telephone number and e-mail

Documents

ID (driver’s license, or any government-issued ID), proof of income

None

Cost

APR + lender’s fees (depending on the lender)

APR + lender’s fees (depending on the lender). Can be cheaper due to more competitive prices

Legislation, reliability

All the stores must have a legal Government’s legislation, they are easier checked and controlled than online lenders.

There are both licensed lenders and scams, but we work only with reliable partners.

Repayment

When you apply for a Payday loan near me in a store, simply return on your due date to repay the total amount due. You can come into the shop to make a check payment or call to make your payment over the phone with a debit card or do it online.

When the loan is due the lender simply cashes your check, or withdraws money from your account.

Working hours

It depends on the lender.

24 / 7

Cash Loans near me from direct lenders: pros and cons 

Online lenders

Pros
  • fast: 1 minute to apply, instant approval, less than 24 days to get money;
  • easy and convenient: no driving, no paperwork, no waiting in lines;
  • applying is free and doesn’t affect your credit history;
  • funds go directly to your bank account, you don’t have to get cash, deposit it into your account or leave a postdated check;
  • accessibility: every person possesses a smartphone or laptop and can easily go online available for candidates with low (about 600) FICO credit score;
  • being able to compare a lot of lenders with their rates and fees at one time, which can be easily done with COMPACOM service;
Cons
  • There can be some scams, who want just to get your private information. So be careful, before applying check whether the lender is authorized and legal. You can do it with a quick Google search; go to https://www.trustpilot.com/, call the Better Business Bureau at https://www.bbb.org/, or speak with a customer representative for that company.
  • It sometimes can be rather expensive, you may be charged additional fees such as verification, database, administration fee. But it’s easy to avoid overpayment if you study and compare all the offers at first.
  • Even if you pay off the loan earlier than agreed there won’t be any prepayment penalties, but there won’t be any savings either.

 In-store lenders

Pros
  • personal contact and ability to see the lender, to discuss their conditions, to ask questions and get some help on the spot;

  • the specialists’ support and help, for example, in filling out an application;

  • sometimes at the front store you can receive money right on the same day whereas applying online you may wait till tomorrow;

  • stores are more easily controlled by state which means they are more likely to be legal

Cons
  • It may take a longer time than online lending which requires only a few clicks. 
  • If you want to compare loans, you’ll have to visit various lender locations, which means driving, losing time in traffic jams.
  • You have fewer options to choose from as they are limited to your location. 
Must know!
If you sent your loan request online before 10:30 am on workdays you can be eligible for same-day money deposit into your bank account. Applications made after 10:30 am till 8.00 pm are usually funded the next day, but exceptions may happen.

 Taking into account the enumerated advantages and disadvantages of online and in-store lending, we can say who they better suit. If you are an experienced borrower who values time and appreciates all the benefits of technological progress, apply for a Payday loan online. If you are still in doubt and have little information about cash advance and need some professional help, try front stores. On the COMPACOM website we offer you to compare both online and in-store lenders and make the right choice.

Payday Loans near me no credit check

As you can easily find online Payday Loans with no credit check, you can also apply for cash advance near you provided by a direct lender with no hard inquiry. It means the lending company is not going to contact any of the major US credit bureaus and check your history of previous loans and debts. It makes Payday Loans online and near you very fast and available on the one hand. On the other hand applying doesn't damage your score as it's not reported to the credit agency.

Payday Loans bad credit near me

If you've decided to apply for a Payday Loan in a store near your location and you are aware of your poor credit, you'd better find out in advance whether this lender provides bad credit Payday Loans. Though most of the lending companies do, it's better to check not to waste time in vain. Besides, clear up the rates as the interest can be a bit higher for subprime borrowers.

Keep in mind, bad credit Payday Loans are as highly available as cash advance for applicants with a good history. 

Payday Loan places near me alternatives: banks, credit unions, check cashers 

If you don’t want for some reason to borrow from a Payday store you can apply to the following institutions each with its own advantages and disadvantages:

Institution

Advantages

Disadvantages

Bank

  • Reliable,
  • legal
  • Most of them don’t offer short-term loans,
  • Require a bank account
  • Available only for their customers

Credit union

  • Lower rates
  • Available only for members

Check casher

  • Near you
  • Available for bad credit
  • Variety of services they offer
  • Easy and fast applying

 

  • Higher rates
  • Need to drive and wait in a line

Pawnshop

  • Easy
  • Get the cash right away
  • No credit check
  • Need a collateral
  • High APR up to 300%

Family and friends

  • No paperwork
  • No credit check
  • Easy and fast
  • Embarrassing
  • Can spoil relationship

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

It’s up to you to decide which place to get your money from. Just make sure it’s the easiest and most advantageous way for you. And a good comparing service providing you with the most up-to-date verified information can be a good help to make your choice.

 

Legal Status of Online Payday Loans in the U.S. by State - the complete list

Requirements to qualify for a Payday Loan:

What do I need to qualify for a short-term cash advance?

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • US residence
  • Minimum regular income of $1,000 per month
  • Valid checking or savings account with direct deposit
  • Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
  • 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.
  • If applying Online, you must provide a valid Social Security Number
  • If applying at Loan Store, you must bring a valid government issued photo ID. A Social Security Number might not be required
  • If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.

FAQ

 
How do Payday Loans work?
 
How to get guaranteed Payday Laons form direct lenders?
 
How many Payday Loans can you have?
 
Why are Payday Loans bad?
 
Are Payday Loans online available for bad credit or no credit?
 
What is the difference between Payday, Installment, and Personal loans?
 
How do I apply for a Payday Loan?
 
How do I pay off a Payday loan?
 
What are Payday lending regulations?

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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

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