Online Payday Loans
It only takes 5 minutes to apply!
- Fast & Easy Application
- Bad Credit OK
- Instant Approval Decision
- Same Day Funding with Direct Deposit
- 24/7 Customer Service
- 100% Secure Process
Apply for Payday Loans Online
If you are searching for best payday loans near me, 1FirstCashAdvance.org is by your side, to help you find the needed direct lender with affordable rates and best approval. You can get from $100 to $5,000 repaid over 1 to 36 months from payday lending companies, apps and other alternatives. Click on “Get Started”, fill out the easy online application, and get the needed money with no hard checks in 60 minutes even with poor credit score!
Need money to pay for your emergency? Forget about your medical bills or unexpected expenses and apply for online payday loans. Stop searching for in-store locations! The online application process is straightforward. This financial product will help you solve your emergency with money and have a peaceful living.
Our mission is to connect your loan request to the most competitive lender as well as to provide you all the needed information about payday loans online. Just complete the loan application form and then submit it. You can make it even with a bad credit score. As there are no hard inquires, feel free to apply with no credit background. Get in touch with our customer service to find out more about our offers and options.
What Are Online Payday Loans?
Compared to other in-store financial products, payday loans online are short-term cash advances you borrow from direct lenders through an online platform, like ours. This loan product may have higher costs but it is worth it to apply thanks to the speed of approval and funding.
The maximum amount you can borrow from an online payday loan is $1,000. It will be the lump sum you’ll pay once your next paycheck arrives, plus fees. If you need less money, you can choose among available amounts: $100, $200, $300, $400, $500, $600, and $800. Also, the maximum term of online cash advances is 14 or 31 days. In this period, you should assess your monthly budget not to get in debt cycle because of additional living costs.
Features of Payday Loans
Online payday advances are small unsecured loans, which means you don’t need collateral to get approved. Usually, these cash loans are based on the customer’s income. If it is steady and exceeds $1,000, the borrower has an advantage in front of a direct lender.
Also, there are no hard credit inquiries when requesting loans. The direct lender reviews only the general information about your background, employment and income. No worries! These soft checks of your credit score don’t affect it.
State Regulations of Payday Loans
Due to federal regulations, each lender must obey payday laws set by the state authorities. These laws aim to protect consumers from debt cycles and other problems that would affect their financial situation.
In some states like Florida and Washington, in-store lending companies are regulated by the state’s authorities, offering amounts up to certain loan limit. They keep track of lenders to prevent them from providing loans for borrowers who don’t meet the eligibility criteria, or who may get indebted.
States That Allow Payday Loans
1FirstCashAdvance provides its connecting services in a couple of states, where payday loans are legal. You can find us in:
Each state has its regulations and laws regarding payday advances. That is why, if you need help, feel free to contact us for more details about the borrowing process in your state.
Advantages of Payday Loans Online
A payday loan has too many advantages to be ignored. As a customer, you’ll benefit from the following characteristics:
- A payday loan is better than common payday advance apps. You can get payday advances without getting into debt cycles with common loan apps. A cash loan is pretty affordable if repaid properly with your next paycheck.
- Bad credit score is OK. An online payday loan is perfect for a customer with a low Fico score or no credit background. Payday lenders review only the general information about your workplace and income. So, your credit score is checked superficially only.
- Get money in minutes. The payday loan process takes just several minutes from request to signing the loan agreement. So, it is extremely easy to get payday advances once you make it online and 100% safe.
- Build credit history. With this type of loan product, customers can build their credit history and become more trustworthy in the eyes of a lending company.
- Flexible repayment terms. Payday loan companies make efforts to provide the most flexible financial products for customers who need them. Borrowers may access the best rates and payday loan fees to pay for their needs.
- No hard credit inquiries. A payday lender performs only a soft credit check on customers’ credit history. It means that the lender reviews the loan request. Thanks to this fact, the approval process takes only several minutes.
How Do Payday Loans Work?
Payday loans work easy and straightforward. The process of getting a loan online is easy and straightforward for our customers. Discover the steps below to understand exactly how you receive the necessary loan amount.
Submit the loan application form
Firstly, you are welcome to fill in the loan request, choose the amount of money you need and submit it. Make sure you fill all the required spaces with valid information about yourself and your current financial situation. It will show lenders how trustworthy you are as a borrower.
Wait for the loan approval decision
Once you submit the application form, we send it to our network of partners. If one lender approved your funds, you get a notification via email. Usually, it takes up to several minutes to receive the approval decision. You don’t have to wait days or even weeks to get the answer from direct loan companies.
Sign the cash loan agreement
If you read the loan contract and everything is alright, feel free to sign it digitally and send it back to your lender. This process is faxless and doesn’t require any useless paperwork or phone calls. By the way, if you have some questions regarding the agreement, don’t hesitate to ask your service provider.
Receive the fast payday advance
Once you sign the loan contract, the loan company will transfer funds to your bank account on the next business day. Also, you may receive checks or money orders, depending on your request.
Repay the money!
To repay the loan, you don’t have to stay in line half a day. This process is also online and 100% safe for all our clients. Once your next paycheck reaches your bank account, the lender will withdraw the loan sum from it. Simple as it is!
What Are The Eligibility Criteria for a Payday Cash Advance?
Before applying for an online cash loan, make sure you meet all the payday loan requirements. Every lending company sets a list of eligibility criteria for applicants who need funding as quickly as possible. If you are one of them, check them below:
- You must be a permanent resident or a United States citizen.
- You must be at least 18 years old.
- You must bring income proof.
- You must show your valid government-issued ID, and Social Security Number.
- You must have an active email address, valid phone number and active bank account.
As you see, these requirements are essential, and almost all consumers may qualify for payday loans online. It is a perfect financial solution for them to get over their budget crisis.
What Do Consumers Use Payday Loans For?
Customers may use a payday loan for many purposes like home utilities, mortgage payments, everyday expenses like groceries and gas, credit card payments, medical bills or car repair payments, and other financial emergencies.
Each of these costs may cause you stress if you don’t have enough financial resources to pay for them. In an emergency, consider getting a payday loan online and forget about your unplanned living costs.
Payday Loan Alternatives
If you don’t want to get a payday loan, consider suitable alternatives for your needs. In this situation, we suggest you the following loan products:
Installment loans. An installment loan is a financial product you take to pay for more significant expenses like house renovations, major car repairs, or vacations. The maximum amount you can borrow from installment loans is up to $5,000, with a maximum loan term of 24 months.Installment loans are repaid in equal monthly payments that allow you to take care of your budget.
Car title loans are suitable for borrowers who have a car and need cash as soon as possible. They can use the vehicle as collateral to borrow money. The main advantage of these loans is that clients can drive their cars while paying the cash advance.
Personal loans are also an excellent financial product for consumers who need up to $15,000. The maximum term is 36 months. Consider this loan product when you need to pay for study taxes, major house renovations, or other significant costs.
How to Get Small Payday Loans Online as a Customer?
You can make it by applying on our website. As a connecting service, we make efforts to provide you payday loans fast and safely. Just fill in the loan application form, choose the needed sum from available loan amounts, and submit it. We will do the rest for you. 1FirstCashAdvance will help you to connect with hundreds of lenders from your state. If one approves your request, the work is almost done. Access your funds from the bank account on the next working day.
Can You Get a Payday Loan with a Bad Credit or No Credit Check?
Sure thing! As most payday lenders don’t perform hard credit checks, borrowers may have a bad credit score. Our lending partners review only the general details about your financial situation. It means that you don’t have to worry about your poor borrowing history. Consumers with bad credit scores are still allowed to get the funding they need today to pay for the unexpected costs and all of this with no hard credit check.
Interest Rates & Fees of a Payday Cash Loan
State laws regulate payday loan fees, which vary substantially. Depending on the maximum amount you’ve got, the payday loan fees range from $10 to $30 for each $100 borrowed. It means that the APR of approximately 400% for a 14-days payday loan.
For example, if your payday loan amount is $600, before the next paycheck, you must repay $690, considering a fee of $15 per $100. Consider these APR fees when applying for a loan from a credit access business.
Where Can I Find Payday Loans Near Me?
Stop your searches for suitable in-store loan locations and apply for an online one. No need to visit other locations! It has many advantages that will help you to solve your financial problems in no time. Fill out the request form on our website and submit it. 1FirstCashAdvance will connect you with the best lenders in your state. We ensure you have a quick payday loan organization and professional financial assistance. Our customer service is available 24/7, so feel free to ask for more information about payday loans online because we are here to assist you in this matter.
Customer notice: 1FirstCashAdvance is not a lender! We help you to get in touch with lenders from your state. We guarantee you only an extensive list of best payday loan offers with reasonable rates.
Frequently Asked Questions
The best online payday cash loan is the one that suits your financial needs, has reasonable interest rates and flexible repayment terms. Don’t hesitate to get it by applying today on our website and get cash in your checking account on the next business day.
Yes, you can make it if you have unemployment benefits, government annuity, pension fund, social security income, retirement benefits, disability income, housing income.
The maximum amount you can borrow with payday loans is $1,000. The repayment term makes you pay it back in a lump sum once your next payday arrives in your account.
The number of simultaneous payday loans varies by state, but commonly you are allowed to have up to two payday loans at once. However, some states prohibit having many payday cash funds at once to avoid the debt cycles.
If you don’t repay the loan on time, the loan provider can sue you and get its money on the other loan term set by the court. The sum will also include the court costs.
No, you can’t be arrested for not paying your payday cash loan. However, many lenders threaten the borrowers with jail. But this practice is illegal in all states. The service provider may only sue you for the action of not paying back your debt.
No, it is absolutely free to apply for a online payday loan with 1FirstCashAdvance, as we do not charge any fees and don't have access to your bank account.