Apply online for a payday loan and get paid quickly today. Payday loans from direct lenders. Applying for a payday loan is as simple as possible.
Loans4USA: Best Lenders for Fast Online Payday Loans
6 offers
| loan amount: | $100-5000 |
| age: | 18 years of age or older |
| loan term: | 2 to 7 years |
| est. APR: | 6.63% to 485% |
information
- valid checking or savings account with direct deposit
- you should have worked at your current employment at least 90 days
- be a US citizen/permanent resident
- minimum regular income of $1,000 per/month after tax
- have a checking account in your name
- have a valid email
- have a home/work telephone number
| loan amount: | $100-5000 |
| age: | 18 years of age or older |
| loan term: | 2 to 7 years |
| est. APR: | 6.63% to 485% |
information
- valid checking or savings account with direct deposit
- you should have worked at your current employment at least 90 days
- be a US citizen/permanent resident
- minimum regular income of $1,000 per/month after tax
- have a checking account in your name
- have a valid email
- have a home/work telephone number
| loan amount: | $100-5000 |
| age: | 18 years of age or older |
| loan term: | 2 to 7 years |
| est. APR: | 6.63% to 485% |
information
- valid checking or savings account with direct deposit
- you should have worked at your current employment at least 90 days
- be a US citizen/permanent resident
- minimum regular income of $1,000 per/month after tax
- have a checking account in your name
- have a valid email
- have a home/work telephone number
| loan amount: | $100-5000 |
| age: | 18 years of age or older |
| loan term: | 2 to 7 years |
| est. APR: | 6.63% to 485% |
information
- valid checking or savings account with direct deposit
- you should have worked at your current employment at least 90 days
- be a US citizen/permanent resident
- minimum regular income of $1,000 per/month after tax
- have a checking account in your name
- have a valid email
- have a home/work telephone number
| loan amount: | $100-5000 |
| age: | 18 years of age or older |
| loan term: | 2 to 7 years |
| est. APR: | 6.63% to 485% |
information
- valid checking or savings account with direct deposit
- you should have worked at your current employment at least 90 days
- be a US citizen/permanent resident
- minimum regular income of $1,000 per/month after tax
- have a checking account in your name
- have a valid email
- have a home/work telephone number
| loan amount: | $100-5000 |
| age: | 18 years of age or older |
| loan term: | 2 to 7 years |
| est. APR: | 6.63% to 485% |
information
- valid checking or savings account with direct deposit
- you should have worked at your current employment at least 90 days
- be a US citizen/permanent resident
- minimum regular income of $1,000 per/month after tax
- have a checking account in your name
- have a valid email
- have a home/work telephone number
Qualifications
- Minimum credit score: None.
- Minimum credit history: None, this lending platform accepts borrowers with credit history too limited to produce a FICO score.
- Minimum gross income: $10,000.
- Employment: Full-time job, full-time job offer starting in 6 months, a regular part-time job, or another source of regular income.
- Must have U.S. residential street address where borrower resides (unless military personnel on active duty).
- Must be at least 18 years old.
- Valid email account required.
- Personal bank account with U.S. routing number required.
Pros
- Allows secured and joint loans.
- Offers a wide range of repayment terms.
- Offers a 0.5% rate discount for setting up autopay.
- Offers significant rate discount for checking account customers.
- Offers rate discount with direct payment to creditors on debt consolidation loans.
Cons
- Charges origination fee.
- No co-signed loan option.
Online decision in seconds - Money within 15 minutes
under $ 5.000
under $ 1.000
under $ 35.000
Payday loans are very popular these days. Since many people are in dire need of cash, this is the best way to get it without much difficulty or hassle. We have many lenders on our site that will help you get an online payday loan. Choose the best conditions and apply.
You just need to fill out an application form and provide some personal information, current banking status, occupational info, and financial info. Some online sites also require applicants to give references.
The main reason why many people like payday loans is that the lenders have very minimal requirements. The following are the requirements:
- Have a permanent job for the last three months.
- Take home pay (after tax deduction) is about US $2500.
- An active and valid checking account for the last three months.
- Must be of legal age. (18 and above)
Once you fulfill all these requirements, you will not have trouble in having your online payday loan being approved. All payday loans are verified upon application and so you can’t just escape your previous commitments. In the verification process, the lender will check the NSF (non-sufficient fund) of the applicant and if he or she has an outstanding payday loan.
Some individuals who have poor credit, no credit, or a bankruptcy background find it hard to apply for loans both for short term and the long term. Online payday loans give these people a chance to avail of loans despite their credit history. Most of the consumer information used by online lenders of payday loans comes from Tele-Track and not from credit reporting agencies like Equifax, TRW, and Experian. Tele-Track just provides info regarding the consumer’s banking history, checking account status, NSFs, and the existing payday loans. In order to avoid denial of applications, you have to provide only true and correct personal information.
Never apply for several payday loans from different lenders. This is definitely not a good idea and you will face more problems in the future. The loan applications will all be reported to the various lenders and this can make it harder for you to be granted a loan next time you apply.
Online payday loan websites provide application forms for those who want to apply for the payday loans and once you’ve provided all the necessary info, it will be immediately forwarded to the lender. The lender will review your application and if he finds your application true or correct and that you met the requirements, you will receive an email notifying you about your approved loan application.
It is up to the lender how much loan you’re going to receive but most of the time, the loans range from US $100 – US $5000. The loan amount depends on certain criteria like monthly income, length at work, direct deposit, paycheck stubs, outstanding NSFs, and availability of your bank statements. First time applicants usually low amounts as compared to repeat customers.
Some lenders allow frequent borrowers to extend their loans but this only means added cost on your part. If you do decide to apply for a payday loan, you have to pay it on time so that you will not waste any more money on the interests. Payday loans are indeed helpful but only in urgent situations. Never apply for a loan is you’re just going to spend the money unwisely. This is not a good idea because of the very high interest charges the loan carries.