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$100 - $15,000 Payday Loans in the USA - 100% Online NO-collateral Unsecured Cash Advance

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  • 1 Submit Online
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$100 - $15,000 Payday Loans in the USA - 100% Online NO-collateral Unsecured Cash Advance

Every day we help thousands of people get Payday Loans Online!

  • Borrow up to $35,000 and repay overtime in small manageable installments.
  • Fast loan decisions and low rates and fees 
  • Make on-time payments and unlock better rates by improving your FICO® credit score.

The US credit system allows its residents to use financial resources from various legal licensed institutions, such as banks, credit unions, and other profitable and non-profitable organizations. This opportunity is stated in the Constitution and regulated by the law at both the federal and state levels. 
One of the most common ways to borrow a small amount of cash is payday lending, which is very popular in the US.

More than 12 million Americans use Payday Loans annually! 

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Payday Loans by State of Residence: 

What is a Payday Loan in the US? 

According to the 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” [].

Often, people misunderstand it and mistake it for a cash advance or personal loans or installment loans. Here we need to clarify the difference which mostly lies in the amounts, terms and rates. Look at the table and compare:

  Payday Loans Cash Advance Installment Loans Personal Loans
Amount $100-$1000 $20-$800 for one credit card a day, but it can vary according to the bank and credit card  $1000-$5000 $5000-$15,000
Term 14-28 days 30 days 60 days – 36 months Up to 36 months
Repayment With the next paycheck Monthly In scheduled installments every fortnight, month, 2 months. Monthly, or in parts as it’s set in the agreement.
Interest rates, APR  APR – 300%-750%, plus 10-15% of $100 borrowed  APR 15-30% plus 5-10% of the transaction 5.99% to 35.89%  APR plus 5% fee 6-36% APR plus 1-6% origination fee 
Collateral or guarantor No No No No

As we can see, all of them are unsecure, don’t require any guarantor or collateral, but are divided into short-term (payday and cash advance) and long-term (personal and installment). If you need just $100, $300 or $1000, take a payday loan. It has a rather high APR but due to the short term it’s just a little overpay. For those in need of higher amounts, installment and personal loans up to $15000 with convenient repayment plans and lower APR will suit best. For more detailed information on personal and installment loans, read our articles: “Personal loans,” “Installment loans.”

Payday loans online - easy to apply and get quick cash up to $35,000. 

The majority of people choose payday lending as it’s easy to apply, especially if you do it online, and in over 75% cases you can be sure to get approved. The applying process takes just a minute to fill out our simple application form, which includes personal information, such as state of residence, email, and the amount you need. All this is secured and confidential. As soon as you’ve done the first step, we redirect it to the lenders who check your availability criteria and decide on the fact of approval. It takes less than an hour. And if a positive result occurs, the money can be deposited into your account within one business day. 

What do you need to get a Payday Loan?

The requirements claimed from the borrower are also just simple:

  • You must be a US resident
  • Your age must be over 18
  • You need a valid phone number, email, bank account
  • You are to have a stable job and income

Do you suit these simple claims? APPLY NOW!

Can I borrow $300, $500, or $1000 with a Payday Loan?

No matter how much money you need, we’ll find how to help you just by finding a proper loan. Payday offers you $100-$1000, Installment Loans – $1000-$5000, Personal Loans – $5000-$15000. As you can see, the amounts range from $100 to $15,000. The amount you are eligible for depends on the state and your monthly income. Write down how much you need in our application and we’ll check how much you can get.

What is the APR for Payday Loans?

When you take a loan, understand that the sum you take and the sum you must repay are different. APR, interest rate and some additional fees make this difference. They may vary depending on the state and the particular lender’s conditions. Some states impose caps on the rates trying to control the lending organizations and protect borrowers from overpaying. 

The APR (annual percentage rate) is the interest rate calculated as if you paid it for a year. For example, if the interest is claimed to be 20%, which is 2/3% daily (20%: 30days), the APR will be 250% (2/3% * 365 days). On average, the APR for payday loans ranges between 300% and 750%. That seems rather high, but considering the short term of the loan, the overpay won’t be so substantial. To be on the safe side, before signing the contract use an online interest rate calculator to find out the exact sum you will owe.

Besides the interest, a borrower may be charged an origination fee of 5%-15% of every $100 borrowed. Remember that no prepayment or any other hidden fees are allowed. If you still have questions, visit our FAQ page, or contact the direct lender, or call (855) 411-2372 Consumer Financial Protection Bureau.  

Payday Loan for 2-4-week terms. 

In comparison with personal and installment loans given for 2-36 months, payday cash advance is characterized by rather short terms. Usually it’s 2-4 weeks. The very essence of the payday lending is to help you meet the most urgent needs such as bills, repair, medical or dental service, etc., which you can pay back with your next check. If you need more time for repayment, personal or installment loans are a better option. 

How am I to repay the loan?

As it’s stated above, a payday loan is paid off with your next paycheck. Easy and convenient for a borrower. You don’t have to go anywhere, do any paperwork or carry money somewhere. When you sign a lending agreement, you provide the lender with a personal check and when the loan is due, he electronically withdraws money from your bank account.

What happens if I default a payday loan?

We must accept that things happen and sometimes we cannot pay off the loan. The consequences may be different depending on the state you live in and on particular conditions you agreed on with the lender. If a borrower defaults a loan, he may have several options:

  • ask for a rollover
  • ask for an extension
  • reborrow money 

Not in all the states are these procedures legal. So know the rules before borrowing money. In 12 states there is a certain limit on interest rates (usually not exceeding 25%), so there you may be only liable for the principal amount borrowed. In the others you’ll be offered to rollover or extend the loan for additional fees. But no one may take any criminal actions against the borrower, to call you at home, at work, to find out any personal information, as these actions are prosecuted by law.

Do I need any collateral or guarantor to take a Payday Loan?

Everybody knows, if you take something, you are supposed to give a guarantee that you’ll give it back. In the lending sphere it’s usually a guarantor (a person or organisation that provides a guarantee) and a collateral (something pledged as security for repaying a loan). Payday loans and personal and installment loans are so easy and convenient because in contrast to mortgages or car loans they require no collateral or guarantor. On the one hand that explains a rather high interest, but on the other – an almost instant character of the process.

Payday Loans for people with Bad Credit Score. 

Sometimes payday loans are the only option left to borrow money for those with bad credit. It’s one of the most important elegibility criteria for banks. But our direct lenders are always ready to consider your application even if your credit history is far from perfect. In 75% of cases, such borrowers get approved for a payday loan. Sometimes improving a Poor Credit History is the very reason to apply for a cash advance. Besides, taking a payday or any other kind of personal loan doesn’t affect your credit.

Payday Loans online vs Loans in Cash Store?

Need money fast? Looking for the nearest cash store nearby? What can be nearer than online?! Borrowing money with the help of our company you avoid: 

  • Driving
  • Waiting
  • Faxing
  • Doing paperwork

You just must take 3 easy steps 100% online and wait for the money to be deposited directly into your bank account within 24 hours.

  • 1. Take 60 seconds to fill out a simple application form online.
  • 2. Wait for a couple of minutes for it to be processed and sent to the lender.
  • 3. Get approved by the lender and receive money within one working day. 

Payday Loans from Direct Lenders in the USA. 

We are not a lending organisation. We are a connecting service between a potential borrower and a lender. We work with over 300 direct partners all over the US. We serve thousands of customers and receive 99% positive feedback. That’s mostly because we carefully choose reliable, licensed OLA certified partners. It means they operate according to the state and federal law, follow its rules and regulations. They have a certificate of an Online Lending Alliance (OLA) which is representing the growing online lending industry and ensures that their customers are fairly treated. 
It’s widely known that the lending business is rather hard to control, which gives a chance for cheaters to profit on people’s financial difficulties. So, if you want to be on the safe side, use our 24/7 service to help you get money from a reliable direct lender. 

Same-day short term loan – is it real?

Payday loans are also sometimes called same-day loans, because they are the quickest way of getting cash for any person in need, even for one with poor credit. From the moment you apply to receiving money is less than 24 hours. You fill out an online application, we send it to the lender who processes it, approves and deposits money directly into your bank account within one business day. So, a same-day loan is more than real!

One more undeniable benefit of Payday Loans is the opportunity to APPLY ONLINE. Of course, you can get dressed up, copy and fax all your documents, get into your car, wait in a traffic jam, and look for the nearest cash store. Or stay at home, open your laptop, sitting on a comfortable chair, and get money in a few clicks.

  • We’re open 24/7.
  • We offer personal, installment and payday loans in all 50 states.
  • We work with 300 reputable direct lenders. We offer the lowest rates and fees.

With us, the borrowing process is quick and easy from start to finish. Apply now – fill out a one-minute application form – wait 2 minutes for it to be processed and sent to the lender – and get money in less than 24 hours. 

What should you take care of before applying?

Before signing a contract, check:

  • the interest rate and APR
  • the total amount owed
  • the repayment deadline
  • any penalties for defaulting on a loan

The minute you apply, stop worrying. You know that your application is safe and secure. And the whole process is easier than you can imagine. 

Are you looking for a Payday Loan? Look no further than

get your money now

Payday Loan and Installment Loan amounts in the USA:

Get your money NOW!

Just let us know how much you need.

We will send your request to our 300+ Direct Partners - it's much faster than applying individually to each lender.

Applying doesn’t affect your credit score!

By submitting your information you claim you have read and understood and agree to Privacy Policy, Terms of Use, Responsible Lending and Marketing Practices