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Online Payday Loans – Quick and Convenient Payday Loans Since 2001

Life can be unpredictable. A car accident or sudden trip to the emergency room can send most people scrambling for cash. A bounced check or overdraft charge can easily put a bruise on a credit report. However, a payday loan can provide fast relief for a short-term problem.  We provide a free service that aims to quickly connect customers with lenders that offer loans that may work for them.

Our online service is free and works to find potential lenders in our network. Simply complete and fill out our secure online form, to access our large lender network. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline. We encourage you to always read the terms of your loan thoroughly before accepting them, no matter where you get your loan.

Before looking into online payday loans, please note the following general lender requirements:

  • Age limits (typically 18 and older)
  • Ownership of a checking account (for direct deposit)
  • Providing a phone number (in case of difficulties)
  • Steady income ($1,000/mo. after taxes)

Please note that meeting these requirements does not mean that you will be connected to a lender.

The advantages of online payday loans over normal loans are the simplicity and speed of the process. A borrower doesn’t have to carry a large amount of cash around with them to the bank. Money can simply be deposited straight into their checking account. A short loan request form can be filled out in a borrower’s home at any time of the day. This makes funds available to anyone in need of emergency cash. Asking a bank, a family member, or friend for money can be embarrassing or difficult. An online payday loan can be completed online without any of the embarrassment.

Compared to a traditional bank, a payday lender has no interest in why a borrower needs the money. A bank will often require collateral and the reasons for the loan. Even then a bank can decline a loan request very easily. A payday lender isn’t as difficult to work with and won’t ask about a borrower’s reasons for needing a loan.

Quick and Convenient

The online payday loan process is typically quick and convenient. You can request a payday loan online from the comfort of your home.  You can be approved as soon as today and receive your money as fast as the next business day. Most online lenders are able to take requests around the clock, and can deposit funds directly into your bank account. After receiving the loan, borrowers should be careful to repay their loans on time. Lenders generally offer an automatic repayment option online. This allows borrowers to not have to worry about missing a payment through forgetfulness.

Remember that short-term loans should only be used as last resort options in situations of financial emergency. Make sure to review all terms before agreeing to a loan offer.

Perfect Credit Not Required

It can be hard to get the money you need if you don’t have a perfect credit score.  You don’t have to stress – our network of lenders works with all credit.  So you can still request a loan, even if your credit is less than perfect.

Of course, it is important to keep in mind that since this is a loan, a failure to repay can hurt your credit as lenders can report your nonpayment to the major credit bureaus. If you feel you may not be able to repay your loan on time then contact your lender immediately. Your lender will do its best to help you get your loan repaid.

Annual Percentage Rate (APR)

The annual percentage rate (APR) is the annualized interest rate that you are charged on your personal loan. is not a lender and does not provide short-term loans but refers consumers to lenders who may provide such loans. For this reason, we are unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to the information supplied by you in your loan request and your lender. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. The APR on a cash loan can vary depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on, if applicable.

Your lender will give you all details on the annual percentage rate, cash loan finance charges and other terms once you are redirected to the loan agreement during the process of requesting a personal loan. We recommend that you closely view the terms and conditions of any loan offer you get.

Implications of Non-Payment, Late Payment or Partial Payment

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may request in the event that you are unable to repay your loan in full or if you make a late payment. We cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Additionally, we have no knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. Our company makes a reasonable effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair and reasonable manner. If you have a complaint about a specific lender, please contact us.

Fees and Interest

If you get approved for a personal loan, the lender will show you the exact fees and interest rate associated with the loan before you formally agree to their offer. As mentioned earlier, we are not a lender, so we therefore are unable to tell you what the exact fees and interest attached to your loan offer will be. Please know that you are never under obligation to accept the loan terms that a lender gives you.

Credit Score Impact does not make credit decisions nor does conduct credit inquiries on consumers. Some lenders in our network may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders typically do not conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. If you do not repay your loan on time your lender can report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.

Renewal Policy Information

Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Payday loans are intended to be a short term financial instrument.  encourages all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees. If you suspect that you may be unable to pay off a loan, we would recommend that you explore loan alternatives before submitting a loan request.

Collection Practices is not a lender and does not engage in debt collection practices. Your lenders’ collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct and in compliance with the provisions of the Fair Debt Collection Practices Act by the Federal Trade Commission.

If you need extra money, payday loans can help.

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