Find the Payday Loan You Need for Any Emergency
Sometimes payday loans online get a lot of criticism, but when you face a cash emergency they can be lifesavers.
You can avoid lost downtime, multiple overdraft fees, and even the added costs of late or reconnection fees on your power, gas or phones.
We Understand Your Cash Crisis
At payday-loans.org, we understand that financial emergencies happen and not everyone has access to savings, low-interest loans or credit cards. That’s why we want to help you find a payday loan from a trusted source, with the best available terms and fees.
Don’t worry about your credit score
It doesn’t matter to our lenders. If you have a job and an active bank account, you can likely qualify for the cash you need.
Not Every Payday Lender Is the Same
We’ve worked hard to make sure our lenders are the best in the business.
We also believe that competition offers you -- the borrower -- the best loan terms and rates. Loan amounts, payback periods, interest rates, fees and other details may vary from lender to lender. However, since our lenders are forced to compete with each other for your business, you end up with better service and lower costs.
Borrowers usually get approved for multiple loans and can choose which one fits their situation the best.
Step 1: Apply Quickly and Easily With Our Online Loan Matching Tool
Simply click on the “Get Cash” button at the top of the page, enter some basic information, submit your application, and then sit back and wait for the loan offers to come to you.
Step 2: Review Your Loan Approvals
After you get your approvals, take some time to review them and determine which ones fit you and your financial situation. Ask your lender about any issues you don’t understand. A reputable lender will be happy to help you. If not, just move to the next approval.
Step 3: Choose the Best Loan
You don’t pay anything until you find the loan that suits you. When you do, the costs are usually built into the payments on the loan. However, always make sure you are clear about how much you pay and when you pay it.
Step 4: Get Your Cash
You can access your cash in as little as the next business day. The lender deposits your money electronically. Once it’s in your bank account you can use it immediately to pay bills, fix your car, or any other emergency cash need.
Step 5: Relax!
Here Are The Most-Asked Questions
Can I qualify with bad credit or no credit?
Not a problem. Our lenders base their decisions on your employment and paycheck – and that you have shown you are financially responsible by maintaining a bank account.
How much do I have to earn to qualify?
Amounts may vary from lender to lender, but most will require a monthly income of at least $1,000.
How much I can borrow?
The maximum loan amount is based on your state’s regulations, your income, and the lender’s loan guidelines. Most lenders loan up to $1,000 or $1,500, but a few may go higher.
What if I am not a U.S. citizen?
Sorry, but you have to be a U.S. citizen to qualify for a payday loan.
How old do I have to be?
You have to be at least 18. That is the age you are considered an adult in the U.S.
Do I have to secure the loan with my car or house?
No. The loan is not a title loan or a pawnshop loan backed by your property or possessions. The lender secures the loan with your job and paycheck.
Is there a fee to submit my information to a lender?
No. You do not pay anything until you sign the loan paperwork. Before you do that, your preferred lender shows you the terms of the loan, including the interest rate, payback schedule and any extra fees. It’s your decision to accept or reject the offer. If you reject it, you pay nothing.
Do payday loans go on my credit report?
It depends. Some lenders report to the credit bureaus, but not all. This can work for or against you. If you pay on time your score will go up. If you don’t it will drop. If you pay the loan off as agreed, you can ask the lender to report that to the credit bureaus. Some will do so. This will have a positive effect of your credit rating.
Do authorities regulate payday loans?
Yes, they are highly regulated in most states. The government requires lenders to work within strict guidelines. These regulations determine loan limits, maximum interest rates, and collection activities.
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