Loans4USA: Payday Loans - Instant Cash Availability?

Instant Payday Loans - Guaranteed Approval! Online Loans from direct payday lenders. Cash Advance Loans Advances with No Credit Checks. Instant Cash online application 24/7.

Best Payday Loans From Our Partners

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

LendYou
до $ 2 500
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

Get Started

USA NewLoan
до $ 5 000
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

Get Started

PrimeTimeAdvance
до $ 5 000
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

Get Started

Loans4USA
до $ 5 000
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

Get Started

PaydayCash
до $ 5 000
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

Get Started

Payzonno
до $ 5 000
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

Get Started

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.

You can never tell exactly when something is going to happen. Urgent expenses come on suddenly and you don't have time to borrow money from other family members, relatives or friends. However, this is not a very big problem, especially if you receive a salary every month. So what if you don't have enough money? What to do? Payday loans have become increasingly popular in recent years.

With so many people who are in need of cash, loan providers and lenders have come up with an effective way to address such problem and that is through payday loans. But before you rush out there blindly and fill out the online application form, there are a few things that you need to know.

Payday loans should be able to give you emergency cash when needed and it should not be some kind of a debt trap. But if you don’t follow the right manner in applying for the loan, you will surely fall into a trap. A lot of people are attracted to this type of loan because you can get the cash within twenty four hours after filing in your checking account.

Payday loans should be able to give you emergency cash

Because of the instant cash availability, you can easily pay off urgent expenses. There are requirements that you should be able to meet before you can be granted a loan. You see, the payday loans are not open to all people. Only those with a stable job and earns more than a thousand dollars each month can avail the loan; and of course, you need to be of legal age and should have a personal checking account. Obviously, people with no jobs can’t maintain a checking account, right? Payday loans carry high interest rates and usually it is 30%.

It gets even higher if you have a low credit score but it can definitely help in improving your credit standing. The lenders don’t conduct credit checks and so any one can apply for as long as they qualify. The loan amount would depend on your salary but usually it ranges from $100 – $5000. Applicants won’t need collaterals but the lender will ask for post-dated cheques. The amount on the cheque should include the interest payments and the basic loan amount. The loan should be paid within twenty days and the lender will just deposit the issued cheque to the bank to get the repayment.

Payday loans should be obtained in case of emergency only. Don’t apply for the loan unless you really need it. Keep in mind that these loans carry high interests. If you do obtain a loan, make sure that you pay it promptly on your next salary. Don’t carry it over the next month. There are so many payday loan providers online and it would be wise to compare them.

Since there is a great demand for payday loans online, more and more lenders are entering the scene. This is a great advantage for the borrowers because they can avail of the lower interests. With so many payday loan providers or lenders online, interest rates are bound to decrease. Now that you know the important things about payday loans, you can just apply next time you have an urgent need for cash.

Payday loans should be obtained in case of emergency only

Remember the word ‘urgent’; you have to learn to distinguish between the urgent expenses from the luxurious expenses. If you need cash to buy a new jewelry set, then it can wait. There are far more important expenses that you have to prepare yourself; besides, you never really know when something might come up.

The internet is full of wondrous things. Almost everything you need can be found online such as home based businesses, income earning opportunities, and now the payday loans. Thanks to the internet, it is now much easier to secure a payday loan without the typical hassles of obtaining traditional loans.

For those jobless individuals, it’s now time to find a good paying job because that’s the only way to obtain the loan. If you want to enjoy the comfort of always having the needed cash when you need it, have a job. Time is really hard and you have to do your share of work in order to live a decent life.

FAQ - Instant Cash

Are online loans safe❓

It is safe to get a loan from an online lender; you just need to choose a reputable lender. Features like no credit checks and annual percentage rates above 36% should be red flags. Know the signs of predatory loans to avoid a debt trap.

Where can I get a loan❓

Online lenders, banks and credit unions all offer unsecured personal loans. While some online lenders can offer low rates and fast funding, you may get a better offer from your credit union or bank if you're an existing customer. Learn more about where to get a personal loan.

How fast can I get a loan❓

Some lenders say they can approve a loan application in minutes and fund a loan win a day or two of approval, while others may take a few days for each. Generally, you should expect to get the funds from a installment loan within a week of approval.

Can I get a fast loan with bad credit❓

Credit score requirements vary among lenders. Some lenders accept borrowers with good or better credit only; others will loan to bad-credit borrowers. Learn how to get a payday loan with bad credit.

Can I get a cash advance online❓

Cash advance online loans are quickly approved, and in most cases available on the same day for our clients. As soon as the submitted cash loan application has been approved, funds will be transferred into your account on the same day.

How can I borrow emergency money❓

You can get an emergency loan through a bank, online lender or credit union. It's best to compare emergency loans with alternatives to find the cheapest way to borrow money. Online lenders can fund loans quickly — sometimes the same or next day after you're approved — and many let you check your rate before you apply. It usually takes a few minutes to apply for a loan if you have all the required documents ready.