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Best Online Payday Loans: 2022’s Top Guaranteed Payday Loan Direct Lender For Same Day Loans & Personal Loans| Get Fast Cash Short Term Payday Loans Online From These Popular Direct Lenders

Are you facing an emergency situation and in dire need of money?

Are you broke and your friends or family members are currently unable to lend you some cash?

Well, you DO have an easy and trusted option to turn to — payday loans.

These types of loans could help cover your grocery cost, doctor’s visit, car repair, or home renovation and overcome any other kind of financial crunch you may be facing.

These loans are offered for minimal amounts, and many lenders set a boundary on payday loan size. The usual loan limit is $500, though the limit may be above or below this amount.

A payday loan is often repaid in full on the debtor’s next payday or when additional income is obtained, such as from a pension or Social Security. The loan’s due date is usually two to four weeks after the loan is approved.

You may not necessarily have to take this loan from payday lenders in your town. You can connect with all the leading online networks that work with numerous lenders across the country and get approval for an online cash loan.

Apart from driving around the town and looking for direct lenders for online payday loans, you can just submit a form sitting at home that ties you with lenders who are looking forward to working with you based on your requirement. You can find installment loans or short-term loans on the networks that we suggest. The money will be deposited straight into your bank account within 24 hours.

Top 4 Online Payday Loan Facilitators

  1. Money Mutual: Most Popular Platform Online Payday Loans
  2. BadCreditLoans: Best Payday Loan Facilitator For Online Loans
  3. Get Quick Approval Of Same Day Loans
  4. Best Online Lender For Personal Loans

#1. Money Mutual: Most Popular Platform Online Payday Loans


Money Mutual is one of the top-ranked leading online marketplaces for numerous reasons. First, it is a famous network because it helps borrowers connect with the lenders and get the cash within 24 hours. This lender has been helping people with money in times of emergency with the help of short-term loans of up to $5,000 because of its network with a lot of money lenders out there. The loan application is simple and takes only five minutes to complete.

How It Works

The first step would be visiting the official website and filling out the application form. Once your application is submitted, the platform/facilitator will send it to 60 or so lending companies to find you a suitable lender for you. If a lender chooses you and wants to work with you, the website will redirect you to that lender’s website.

From there, you can look into the terms and conditions of the loan and the type of service you want from them. They will contact you through phone or email to know more about you. If the lender is all set to go, you will receive an application with all the specific information, including:

  • The total amount
  • Interest rate
  • Loan term
  • Payment dates
  • Fees and other charges (if any)

Then, it will be your job to go through the information carefully because here, Money Mutual will not interact between you and the lender. If you do not agree to the terms and conditions, you have an offer to cancel the deal. But, if you accept the terms and conditions, there will be a contract where you have to sign.

Eligibility Criteria

  • You have to meet the below-mentioned eligibility criteria if you want a payday loan:
  • Minimum 18 years of age
  • A resident or citizen of the US
  • Have an income of at least $800 per month
  • Have a checking account
  • Have a valid mobile number and email address


Flexible Credit: As Money Mutual works with several lenders, customers have a choice to apply for short-term loans, irrespective of the credit scores. Through Money Mutual, you can choose the terms to your requirements.

Faster approvals: Money Mutual is great for last-minute emergencies, as it offers loans in a few hours, and at times, even minutes. Because of its huge network, it does not take long to get a loan. Simply visit the website and fill out the form.

No Extra Fees: Money Mutual doesn’t require any fees at the time of filling the form and is free of cost. There are no hidden charges. When you are connected to the lender, it might ask for a fee, but when it comes to Money Mutual, it is free.

Simple Online Form: Money Mutual uses an online form that is easy to use, and the form can be filled out in less than five minutes.


  • No extra fees
  • User-friendly website
  • You can get a loan in hours or sometimes even in minutes
  • No lengthy form-filling procedure
  • Easy approvals


  • Money Mutual won’t be responsible for any problems you face after you sign the deal
  • Available only in the US, barring New York and Connecticut
  • A regular source of income is required

=> Click here to visit the official website of MoneyMutual

#2. Bad Credit Loans: Best Payday Loan Facilitator For Online Loans


Bad Credit Loans isn’t connected directly with the lender, but it refers the borrowers to trustworthy lenders and financial service providers that can offer a quick payday loan. This loan is known for its amazing job of explaining how bad credit loans work. It is also known for its commitment to connecting the borrowers to the lenders till the former gets the loan. The site uses innovative encryption technology to keep your information safe and secure.

Bad Credit Loans saves your information and privacy and have 24/7 customer support. You can always go through the terms and conditions before accepting the agreement. You have the option to take a loan of up to $10,000, which is different from all other loan companies.

How it works

As soon as you complete the form, the information is viewed by the lenders. If a lender is ready to work with you, you will be readdressed to the website directly, where you will complete the rest of the forms. Go through the terms and conditions carefully and agree to your preferred deal.

The APRs vary from 5.99% to 35.99%, and the reimbursement tenure ranges from three to 60 months. Bad Credit Loans helps people who do not qualify for a loan because of their low credit scores.

Eligibility Criteria

  • The minimum age requirement is 18 years.
  • The citizen should be a resident or citizen of the US
  • The applicant must be employed
  • Social Security Number is a must
  • A checking account is a must
  • Phone number and email id are required


Security: Bad Credit Loans protects your personal information with the help of data encryption technology. Your information will be safe.

Your terms: Fill out the form anytime you want. Whenever you receive a loan offer, make sure to read the terms and conditions carefully.

Other Services: If you couldn’t find a loan based on your requirements, Bad Credit Loans help you connect with other offers that might be useful for you.

Customer Support: The amazing customer service team can be reached anytime.

Loan Amount: Borrowers can take a loan ranging from $500 to $10,000 in a day.


  • Easy approvals
  • The credit score is not a requirement
  • Free service
  • Wide network of lenders
  • The money will be deposited into the bank account as soon as possible


  • APR can be high
  • APR is different for every borrower

=> Click here to visit the official website of Bad Credit Loans

#3. Get Quick Approval Of Same Day Loans


After Money Mutual and Bad Credit Loans, we recommend that you check out as a payday alternative. The company is very direct about the interest rates on the loans and will make you understand the terms and conditions.

The interest rate varies from 5.995% to 35.99%, with a loan period of 90 days to 72 months. The website explains how a personal loan above $1500 of more than two years looks with an APR of 7.9%. Each month’s payment for two years will be $67.77 for a total reimbursed amount of $41,626.54.

This loan network protects your personal information with industry-standard encryption. You can request a personal loan using’s straightforward online approach, and if a lender approves you, you can get the funds in one working day. If you have a bank account and personal information ready before initiating the request, you might be able to get it sooner.

How it works

To get a payday loan from, start by filling out the application form on its website. Start the procedure by providing your name, email, and the amount you need for loans.

It’ll provide you with a variety of personal information, including:

  • Normal credit range
  • Social security number
  • Any personal information
  • Bank account type and information on deposit
  • Car or house ownership
  • Monthly income
  • Job title

This might seem a lot, but the process takes only a few minutes. Once your information is verified, sends you a complete list of lenders in the network to analyze the loan request.

Eligibility Criteria

  • You have to meet the below-mentioned eligibility criteria if you want a payday loan:
  • Minimum 18 years of age
  • A resident or citizen of the US
  • An after-tax income of $1,000 per month
  • A checking account is a must
  • A working phone number and a valid email id


Easy Online Process: It will take you only minutes to fill out the form.

Better Chances of Loan: Cash USA does ask for a lot of information, including employment data. The purpose is to connect you better with a lender. The more they know about you, the better are your chances of getting a loan.

Fast and Convenient: Filling out the form is pretty fast and straightforward. They can ask you for a lot of information. Still, the procedure is hassle-free.

No Fees: CashUSA is not a lender. Its service is free of cost for all users. The third-party lenders it connects you with might ask for fees, but not


  • Suitable lenders will contact you and quickly.
  • Custom-made loans to suit your history and requirements
  • Available in all 50 US states
  • The loan gets approved within hours
  • Additional resources available
  • The terms and conditions are easy to understand


  • Cash USA is not a direct lender
  • A maximum loan amount of $10,000 can be borrowed
  • The interest rate goes up to 35.99%
  • You won’t know which lenders are viewing your loan request

=> Click here to visit the official website of CashUSA

#4. Best Online Lender For Personal Loans


Personal Loans can help you get a direct loan ranging from $500 to $35000. That maximum amount is generally not what you need for a payday loan because you’ll most likely want to repay it when you get your next salary, just like a cash advance loan. Smaller short-term loans are easier to repay, which is something helps borrowers with by locating lenders who work with people with poor credit but require cash for an emergency.

This network is easily available to you, and requesting a loan using an online application form does not take long. It also doesn’t demand a lot of information, making it simple to complete in a short time. Lenders will review your application and determine whether you are eligible for a loan.

How it works

Once you have completed filling out the form, the information is viewed by the lenders, and they will decide whether they want to work with you. If a lender is ready to work with you, you will be redirected to the website, where you will complete the rest of the forms. Go through the terms and conditions carefully and agree to the deal accordingly. The money will be deposited into your account as early as possible.

Eligibility Criteria

  • You have to meet the below-mentioned eligibility criteria if you want a payday loan:
  • Minimum 18 years of age
  • You should be a resident or citizen of the US
  • You must be employed
  • Social Security Number is required
  • Proof of income is required
  • A checking account is required
  • Phone number and email id are a must


Reimbursement Procedure: You can choose a smaller reimbursement period. So, if you choose to reimburse between three and 72 months, you will have a lot of flexibility. It’s good to pay off the loans earlier to avoid the interest charges.

Loan Amount: The amount ranges between $500 and $35,000.

Interest Rates: The interest rates start from 5.99% and go up to 35.99%

Privacy: Personal Loans protects your personal information with the help of data encryption technology. Your personal information that you share with it will be safe.

Fast and convenient: Easy form filling and faster deposits are the majors when it comes to payday loans, and offers you just that.


  • A huge network of lenders, meaning that a lot of people get fast and easy approvals.
  • Money is deposited into the account within 24 hours
  • There are options if you want to reimburse before time
  • Low interest rates
  • No pressure of repayment
  • No extra fees


  • Higher APRs
  • The interest rates vary
  • Bigger loans can be hard to reimburse

=> Click here to visit the official website of PersonalLoans

What Are Online Payday Loans?

Just like every other loan, identification plays a major role here too. You don’t have to worry or feel tense about the application process, as it is very simple. You will be asked for proper identifications such as a driver’s license, passport, etc. Moreover, you will be asked to submit proof of your income, and this comprises recent payslips (last two to three months) and certification of employment.

Almost all online lenders get done with the borrower qualifications in 24 to 48 hours, whereas banks take up to a week or two. Also, payday loan procedures are simpler and take less time than conventional loans.

To repay the loan, you usually have to write a post-dated check for the total amount, including fees, or authorize the lender to digitally withdraw funds from your bank, credit union, or prepaid card account. The lender can cash the check or electronically remove money from your account if you don’t return the debt on or before the due date.

A payday lender usually does not examine your ability to reimburse the loan while meeting your other financial responsibilities. The loan proceeds may be sent to you in the form of cash or cheque, electronic deposit into your account, or a prepaid debit card.

Payday loans are only for borrowers who are aged 18 or above. Nothing can change this condition. It is common for all lenders to ensure you fulfill this category. Once all of the procedures and requirements are fulfilled, you will be notified about when you will see the loan amount in the account.

How We Prepared This List

Payday loans have been in demand, as they help you with the smallest of financial issues in your day-to-day life. Right from paying for a doctor’s visit to giving child support, a payday loan can come to the rescue. Due to the high demand, every other organization will be ready to give you a payday loan these days.

For this article, we visited several payday loans and online providers to find out the terms and conditions. That’s because numerous organizations promise to provide you with money and end up being a scam. New websites are being pushed to the top of Google because of its Search Engine Optimization even though they lack ratings or just make promises that they never fulfill.

To save you from the scam, we have made a list of the best payday loan providers. We compared their websites, customer ratings, loan options, and services. We understand that loans are as important as choosing the correct financing.

So, we started removing online payday loan companies that weren’t appropriate or looked like they could not fulfill all the requirements. We read the online articles about these companies and their eligibility criteria to prepare the final list.

What We Looked For

Types of loans: Every lender doesn’t offer all the products. Some might offer short-term loans, and some might offer long-term.

Prepayment Penalties: Whether there is any penalty if you repay before time.

Annual Percentage Rate (APR): A website with a reasonable APR.

Application Process: The documentation required to fill out the form.

Customer Reviews: Whether there is some kind of issue or they have a question, whether the customers are guided well.

Terms and Conditions: The terms and conditions of each platform for each type of loan.

Credit Score: Whether the company provides loans to people with a poor credit score (as low as 450).

Time Taken: How long does a company take to review your application or connect with the lender.

Transparency: The borrowers should have an idea about the interest rates, the dates of reimbursement, or any other additional cost.

Interest Rates: There should be no hidden charges that can increase the interest rates and create an issue for the lender.

Legitimacy: The website should be legitimate and able to deliver what it says.

Safety: How your personal information is safe and secure on the website.

Your Guide To Selecting Online Payday Loans

Here are a few factors to keep in mind when you select online payday loans.

Knowing what you need

You should know your requirements, like how much loan you need and why, and whether the amount will be enough.


Rather than choosing the first site that appears on the first page of Google, research several other sites to see which one is best suited for you.

Terms and Conditions

Before confirming the deal, you must read the terms and conditions properly so that there is no fuss in the end. Every platform has different terms and conditions. So, make sure you read them carefully.

Ask questions

Whenever you connect with a lender, make sure you ask everything you have in your mind. Leave no doubts unanswered.

Interest Rates

Try to find out the interest rates provided across several platforms. Go for the platform that has the best interest rate according to you.

Reimbursement Capacity

Do not borrow more than what you can reimburse. You may feel happy to see a large amount of money at the time of receiving the loan. But remember, you won’t feel so happy when it is time to repay the loan. You’d lose your mind if you borrowed an amount that is impossible for you to repay when you get your next paycheck. Borrow only what you require and not a cent more.

Temporary Use

The money you lend in the form of a payday loan has an emergency use and should only be used for that purpose. The cycle of taking loans can be frightening to handle at times. Always stick to your decision and try getting over a hard time with minimal amounts. These are meant for a temporary situation. So, keep it that way.

Rollover Attractions

It looks very attractive at the beginning, but when the time comes to repay the loan, it brings a lot of stress, anxiety, and more problems with it. When you take the loan, pledge that you will reimburse the amount as soon as the salary arrives. If it is delayed, you have to face the consequences.

Higher Interest Rates

Payday loans are convenient for getting cash quickly. But usually, they come with a high interest rate. You will be responsible for the lender’s fee and finance charges, which are not included in the loan amount.

Furthermore, if you do not reimburse the loan on time, you will be subject to even greater interest rates, which will burn a hole in your wallet. You should avoid payday loans if you have a low income.

Ask for a Licensed Moneylender

You should look for a licensed lender before borrowing. Thousands of lenders in the financial sector may be operating in an unsafe and illegal manner. As a result, many people are forced to work with cash suppliers who charge exorbitant fees and force people into debt.

Online Payday Loans: FAQs

Q: What is a payday loan?

A: A payday loan, also called Cash Advance, can be defined as an advance amount on the next paycheck. You can ask for a small amount through a short-term loan and reimburse it when you receive the next paycheck. Payday loans are meant to be used for short terms and not long terms.

Q: What kinds of documents are required for getting a payday loan?

A: The documents required for a payday loan are similar to the documents required for other kinds of loans:

  • State or Federal id
  • A valid checking account
  • A valid phone number and email id
  • Proof of income, such as bank statements

Q: Is there a cap on the loan amounts that can be borrowed on these platforms?

A: The loan amount varies from individual to individual. It depends on a variety of aspects, like the monthly income, your previous loans, and other creditworthiness aspects.

Q: What rates and terms are we talking about?

A: The Federal Truth in Lending Regulations lays out all details, such as the APR, interest rate, the total amount, and the finance charge. If you fail to reimburse the money on time, late charges might apply to your loan.

Q: Can I make a partial payment on the money borrowed over these platforms?

A: Yes, you can make partial payments on the loan’s capital without incurring extra fees. But the terms and conditions of such partial payments vary from platform to platform and lender to lender. Read the terms and conditions properly before committing to any loan agreement.

Q: Is there an option to pay off the loan before time?

A: Yes, you can pay off the loan early and make partial payments. If you feel within 24 hours of approval that you no longer need the loan, you may annul your loan for free. But make sure to read the section relating to this under the terms and conditions section of your agreement. Try to pay early reimbursements to save yourself from the charges.

Q: How do I reimburse the payday loan?

A: There are many options for reimbursing a loan. You can either pay cash in person, or make an online payment, or just deposit a check. You can also pay directly from the bank account.

Q: How much time does it take to get the approval and the fund transferred to my account?

A: For a physical loan application, the approval takes a few days. You go to the bank, stand in the queue, and wait for long hours before applying. But, for an online loan application, you can receive the funds within 24 hours or by the next business day.

Q: Is it simple to get additional loans on payday loans?

A: Additional payday loans are simple and efficient once you repay the first. Simply return to any facility and make a fresh loan request.

Payday loans should only be utilized for short-term financial requirements, not as a long-term financial solution. Consumers who are currently struggling with their credit should seek credit counseling. Furthermore, some states impose a cooling-off period to prohibit a consumer’s access to payday loans regularly.

Q: Why are there any negative comments relating to payday loans?

A: Since these loans have higher interest rates, creditors jack up fines and interest if they are not paid on time. People who keep taking loans and end up paying a lot on the high interest rates, eventually falling behind on their payments and coming under debt. A few creditors also impose harsher penalties if a borrower fails to pay on time. Paycheck loans have become far less popular because of all of these factors.

Q: Can I extend the loan?

A: Yes, you can. But you will be expected to pay a portion of your loan, in addition to any finance charges, after six extensions. Remember, the longer you extend the loan tenure, the higher you end up paying for the loan.

Q: After the first loan is paid off, when can I get another loan?

A: You may be required to produce a bank statement with the verification of a non-pending payment to show that the previous loan has been paid in full.

Q: What is the due date of the loan?

A: In most cases, the date is within 14 days after you receive your loan. Or, you can pay the charge and prolong the loan for another 14 days.

Q: Can I get an extension if I don’t have enough money on payday to cover the balance?

A: You must call the lender at least 24 hours before your scheduled due date to request an extension. You must pay the interest on the due date, and we encourage you to keep reducing your principal loan throughout the extension period. You will minimize the interest if you contribute more to the principle.

Q: Is it possible to have two loans from different lenders?

A: Yes, it is possible, as the law permits you to have the other payday loan if you already have one. Whether you will be able to get a second loan depends on your credit history.

Our Final Thoughts

Payday Loans can be an exceptional solution when you are in a financial crisis. These loans have a lot of advantages for employed people who are in urgent need of money towards the end of the month. Through this loan, you can pay off regular bills, grocery expenses or look into any other short-term need that you have at the moment.

Although these loans do have a high interest rate, a lot of people prefer them, as they do not involve any collateral or guarantor. Besides, these loans can also be used by people who have poor credit scores or a missing credit profile.

However, with these financial emergencies, you might get attracted to a lot of alluring loan options and supposed “loan approvals”. But you must be careful. They might as well be scams. Do not fall into the trap and go for any other alternative, like low-interest credit loans or borrowing money from friends and family.

In general, you should research payday loans and be aware of all the essential information before you think of getting a payday loan. This article consists of all the crucial points that you should know before applying for a payday loan. We have provided all information about the advantages and disadvantages of payday loans, too.

Moreover, we have only mentioned genuine loan companies. We hope this information will help you make a better decision, and you won’t fall prey to a scam. We also hope that you’ll find relief from your financial troubles.

The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. does not accept liability for any loss or damages caused by the use of any products, nor do we endorse any products posted in our Marketplace.

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