What are Smart Payday Loans?

Payday Loans are specially designed to fit your needs of emergency funds. Up to $1000 cash advance for a short term of 14 - 30 days with no minimum credit score requirements. Fill out a free application form to know if you prequalify for a loan and get a decision in minutes.

Payday Loans Application

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use,I understand that by submitting my information, I may be contacted by telephone by one lender.

Applying doesn't affect your credit score!

Getting a Payday Loan couldn't be quicker and easier!

Application form online
Fill out an application form online

Spend a few minutes to fill out the amount and your personal data into the form to know if you qualify for the loan

Decision
Get instant decision from a direct lender

It will take just a little time to match you with a suitable lender ready to approve your request even if you have poor credit score

 

Receive the funds
Receive the funds into your bank account

As soon as you're approved the funds will be directly deposited into your banking account same or next business day

Still have questions concerning Payday Loans? Get the answers from our top financial experts.

A Payday Loan is a small dollar cash advance up to $1000 which is to be paid back in 14 - 30 days as you get the next paycheck.

You can apply for a Payday Loan online or in-store and get an instant decision from a direct lender. Your choice depends only on your individual preferences and requirements.

The cost of your loan will depend on the lender's rates and fees. Usually it's calculated taking into account the APR (about 400% on average). Additional fees mostly include a verification fee ($5 - $7) and in case of late payment a NSF (Non-Sufficient Funds fee of $15 - $25).

  • Be of legal age to get a loan in your state
  • Be a US citizen or a Permanent Resident
  • Live in the state where the payday loans are legal
  • Have an active bank account
  • Have a regular source of income of minimu $1000 a month
  • Have a valid phone number and an active email address

Online cash advances are faster, easier and more convenient. Online Payday Loans, as well as Personal Installment Loans are now available even for bad credit borrowers with no paperwork or faxing. Besides you get:

  • Convenience.
  • Lower rates.
  • Easier access and availability.
  • 24 / 7 customer service.
  • Variety.

If you borrow from a store you have a chance to put the necessary cash in your pocket this very day before you leave the place. In case of online request the turnaround time depends on the day and time you apply and regular working hours of the bank where you have an account.

If you have a checking account and a job, you can most likely receive a loan online very quickly even if you have bad credit score. It can be much easier to get payday loans online than at a retail store.

Payday Loan lenders welcome any borrower with both good and bad credit score. They base their approval decision on other factors like your income, employment, etc. High availability may though lead to expensive rates.

Though most direct lenders advertise Payday Loans with No credit check it's nor always true. They do at least a soft inguiry to find out if you have any existing loans or debts. Some of them may avoid a hard inquiry and not report to the major credit bureaus.

Payday Loans are considered dangerous as they often can lead to debt. To avoid such unpleasant result you should at first check if you can really afford this cash advance. Then plan your budget so that you could make on time payments and pay your bills at the same time. Consult credit counselling agencies if you need help with financial management.

Payday Loans are fast, it's true. In case of emergency they seem to be the right decision but not the only one. You can also apply for an Installment Loan, or a Personal Loan, or qualify for cash advance from traditional institutions such as banks and credit unions. Maybe even ask your relatives, friends, employer for help.

Online Payday Loans for bad credit

Payday Loans Application

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use,I understand that by submitting my information, I may be contacted by telephone by one lender.

Applying doesn't affect your credit score!