Easy Online Payday Loans For Bad Credit

Click the button below to start the application process completely online. No Faxing required.
Apply Now

Online Payday Loans

Guaranteed payday loans have been around for some time now and they have been used by a lot of people in order to take care of their immediate cash problems.

So Quick To Get

One of the reasons why people look towards payday loans as a good solution to the cash problems is because of the speed that it can be processed with. It is possible to get the same day approval on your loan application. With online loans that are available now, the processing could be as fast as 1 hour. No other loan could be as quick.

No Documents, No Faxing Necessary

Another reason why people flock towards it is the fact that it requires no documents when it comes to the application, it can also be a faxless transaction. For the online loans that are available now, all you have to do is to fill out an online application form and provide all of the necessary details. The loan lenders could come to a decision as to approve or deny your application and most of the time they approve it.

Disadvantages of Online Loans

Before you become excited about getting guaranteed payday loans, however, you should realize something about it. There are some negative things about the loan. Though it can be beneficial if used properly, it can seriously hurt someone financially if handled in the wrong way. The problem is made more acute by the fact that those who turn to it are the ones who are most financially vulnerable. Those who have low income or are earning the minimum wage.

Here are some reasons why you ought to steer clear of loans from payday companies:

Interest Rates

The interest rate that you get for payday loans are exorbitant. There are instances where the annual interest rate of a loan could be as high as 300%! That’s no joke. You don’t think that it is that much since the usual period is short, a week or two perhaps. You can feel the pinch once you start extending the loan.

Guaranteed Payday Loans Easy to Get

The ease of which you can get this loan type is another sobering reason why you ought to avoid it. You always hear it being praised as a good thing, why is it so bad? Because it makes it easy for you to be trapped in a cycle of borrowing money and using up your pay check even before you get it. In other words it can lead you to a pitfall.

Credit Score

They don’t check your credit score when you’re applying for a guaranteed loans from payday companies, but what they fail to tell you is that the kind of loan that you get has some impact on your credit score as well. Loans from payday companies can pull it down. Not by much but if you get it often enough, then you can bet that it would pull it down.

Alternatives to Payday Loans

There are other means that you can get your money or at least resolve your financial issue. Getting loans from payday companies is the easy way out that has some serious consequences later on. Think of other means first and only turn to it when nothing else would work.

These are just some of the reasons why you ought to stay clear of loans from payday companies. These should serve as food for thought for you.


Payday loans are legal in: Alabama (AL), Alaska (AK), California (CA), Colorado (CO), Delaware (DE), Florida (FL), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana, Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Mexico (NM), North Dakota, Oklahoma (OK), Oregon (OR), Rhode Island (RI), South Carolina (SC), South Dakota (ND), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), Wisconsin (WI), Wyoming (WY).

Payday loans are illegal in the following states: Arizona (AZ), Arkansas (AR), Connecticut (CT), Georgia (GA), Maine (ME), Maryland (MD), Massachusetts (MA), New Jersey (NJ) New York (NY), North Carolina (NC), Pennsylvania (PA), Vermont (VT), West Virginia (WV), the District of Columbia (DC).

Amounts: $100, $200, $300, $400, $500, $600, $700, $800, $900, $1000


Representative APR 391%
Example: You borrow $100 for two weeks. Lender can charge you a $15 fee, which means you will have to repay $115 to the lender at the end of the term. The cost of the $100 loan is a $15 finance charge, which anounts to an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.
Implications of Non-Payment:
Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. None payment of a payday loan might negatively effect your credit history.
Consumer Notice:
A cash advance, also referred to as a payday loan or payday advance, is a small, short-term loan that is intended to cover a borrower's expenses until the following payday. Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our Rates and Fees page to learn more about the risks involved with cash advances, local laws and regulations that may be applicable to cash advances, possible loan alternatives and recent developments in their state.
Legal Disclaimer:
This website does not constitute an offer or solicitation to lend. We are not a lender, does not broker loans, and does not make loan or credit decisions. The operator of this web site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Our provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender. We are aim is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. We do not endorse any particular service provider, lender, nor loan product. You are under no obligation to use Our service to initiate contact, nor apply for credit or any loan product with any service provider or lender. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. You will not be charged any fees to use our service. Learn more on our Rates and Fees section.
Residents of some states may not be eligible for a short term cash loan based upon lender requirements. We do not guarantee that completing an inquiry form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.