An online payday loan is a short-term, high-cost loan—usually $100 to $1000—designed to cover expenses until your next paycheck. You apply entirely online, sign electronically, and repay the full amount plus fees on the due date.
Our lender network offers $100–$1,000 classic payday loans depending on your state, income, and credit profile.
Many lenders can deposit funds as soon as the same business day—and some support instant transfers to eligible debit cards. If your bank doesn't support instant funding, expect the money within 24 hours after final approval.
Yes. Lenders in our marketplace look at your income and ability to repay, not just your FICO® score. Approval isn't guaranteed, but many borrowers with fair or poor credit still qualify.
For a single-payment payday loan, most states let lenders charge $10 – $30 per $100 borrowed. The common $15 fee on a two-week $300 loan equals roughly 391 % APR. You'll see every dollar cost and the exact APR in the federally required Truth-in-Lending disclosure before you sign, and you're never obligated to accept an offer.
No. Submitting a request is 100 % free. We may receive a marketing fee from lenders if you accept a loan—this never affects the rate you're offered.
We don't. When you hit "Send," your information is passed to licensed lenders. Most run a soft pull first; a hard pull happens only after you agree to proceed.
Payday lending is regulated state-by-state. Our service is currently unavailable to residents of Arkansas, New York, Vermont, and West Virginia. Before you borrow, we automatically filter offers to show only lenders licensed in your state.
Missing a payment can trigger late fees, NSF charges, and collection efforts. Contact your lender immediately; many offer extended-payment plans. Rolling over a loan usually adds extra fees and may lead to a cycle of debt.
A lender cannot garnish wages or funds without first winning a court judgment. However, they may attempt electronic withdrawals if you gave ACH authorization. You may revoke that authorization in writing.
No. Payday loans are unsecured, so you never pledge your car or other assets.
No. We are a licensed loan-matching service. We do not make credit decisions or set interest rates; offers come directly from independent, state-licensed lenders.
On the due date, the lender debits your bank account for the principal plus fees. Some installment loans spread payments over several months. Check your e-contract for exact dates and amounts.
Many states limit or ban rollovers. If allowed, rolling over adds new fees and increases the total cost. Consider an extended-payment plan instead of a rollover.
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