Easy Online Payday Loans For Bad Credit

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

Payday Loans in as fast as 1 hour

If you are a citizen of the US, the UK, and Canada, your worries about financial troubles during emergency situations are over. There are payday loan companies that can be accessed on the Internet who could process a cash advance in just an hour. This is now possible with the introduction of modern technology in these highly developed countries. The average wage income earners, both blue and white collar employees are now qualified to apply for payday loans within their respective countries. Those in America and Canada, the annual percentage rate are controlled while those in the United Kingdom, lenders of payday loans are free to charge any rate they wish on their loans. While there are differences on how they are processed, the fact remains that these payday loans have a common denominator, and that is, to meet an urgent cash requirement. Payday loans are widely patronized in these countries.

These payday loans are designed with ease to avail due to accessibility. If you have a computer or a gadget hooked to the Internet, a visit to payday lenders’ site will give you the opportunity to read what they carry. You can check if your credentials can meet their requirements. But you will be surprised with advertisement they have-to process your payday loan in just a couple of minutes or you can have your cash advance within a couple of hours within the day you applied. In addition to that, you will not be bothered emailing or faxing a document to them. But what is more convenient is you don’t have to leave your home, the proceeds of your payday loan will be wired to your account within the hour they promised you. Isn’t that interesting and very enticing.

It is the common belief that these two features of payday loans- easy to access and the convenience it offers made this innovative credit tool more popular than the other lending facilities in the market. Although the interest rate being charged is unconscionably high (and even branded usurious in some States), people are still drawn to it. The simple and less cumbersome processes you will have to take in applying for a payday loan is definitely the opposite if you will avail the services of traditional lending institutions that require several documents and complicated forms to fill up.

It is a fact that the interest rates of the traditional loans offered by banks and other creditor firms are very low compared to payday loan lenders. However, the processing is still normally done manually which takes longer time and this makes them less preferable. It takes a lot of time to finish the evaluation process. The checking and validation of documents with various offices when done without the use of high technology (online processing) is definitely snail-pace. Besides, online payday loans processing does not require any document to support the application. Just fill up the application form accurately and that’s all.

Most loan applicants are overwhelmed by the advantages of online loan processing. With their amazement, they sometimes overlook the “debt cycle trap” behind payday loans. There is a big probability to fall to this debt cycle if you fail to pay the payday loan on time. In order to avoid this, it is suggested to make a budget to follow before you fill out the application form on the Web. Remember that in availing a payday loan, you are trying to solve a problem and not to complicate the situation you are presently in.


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.