Payday Loans Online Service

Paydayloanonline.com is not a lender and therefore does not make short term loans or credit decisions. We are a loan connecting service where we connect you with a network of lenders around the country who can provide you with quick cash loans regardless of your credit history.

Paydayloanonline.com accelerated online lending process was created to make it faster and more convenient for borrowers like you to access fast funding. By working with a network of many lenders and advertisers across the nation, we attempt to connect customers with a lender in minutes that can provide the funds they need in minutes. Our loan request process takes everything online – from form submission to lender approval and funding.

You can request online from your home computer or any mobile device. Because the process occurs in real time, it's very fast. If you are connected with a lender you will receive an offer from that lender with the terms and conditions of the loan. If you agree to the terms (you may decline them with No FEE,) and successfully approved, the money could be available for your use as soon as today or the next business day, although this can vary by lender.

How to Get a Fast Payday Loan

The process of deciding that you want to take out a loan and actually receiving the money is fairly quick. We’ll give you a brief rundown of what you’ll need to do to apply and actually get an approval:

  • Assess your financial position. See whether your credit score portrays you as an unreliable borrower. Even though short-term lenders are more flexible about who they approve, having a credit score helps.
  • Find the best lender for your unique needs. You might be in a rush to find the money for an emergency, but it’s not the reason to choose the first lender you come by. Research and compare the terms and make sure you’re dealing with a trustworthy company.
  • Submit the required information and documents. The exact list of documents will vary from lender to lender, as well as the amount of personal data you need to provide. Still, it’s not nearly as much of a headache as dealing with a bank.
  • Finalize the application and send it. Look through the application file to see whether you’ve filled in everything you need. Before submitting, review the requirements from the lender, especially the ones that involve additional fees and penalties.
  • Wait for approval. Usually, you’ll get a response the same day and receive the funds within 24 hours. This allows borrowers to quickly resolve their monetary issues.

    • How to Qualify

    In general, a short-term personal loan is an unsecured loan available to anyone with a regular income source. But there are some specific conditions you need to meet and several factors that affect whether you qualify. Independent lenders have their own individual requirements that must be met. But the common conditions are that you must:

  • 18 years of age or older.
  • Have the place of residence and employment in the United States.
  • Have the same place of employment for the last 90 days.
  • Provide an active bank account with no overdraft.
  • Provide a valid email and phone number.
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.

    • Important Disclosures. Please Read Carefully.

    Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

    This website is not an offer to lend. Paydayloanonline.com is not a lender or lending partner and does not make loan or credit decisions. Paydayloanonline.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. Paydayloanonline.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. Paydayloanonline.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Paydayloanonline.com’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

    This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where Paydayloanonline.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

    By submitting your information via this website, you are authorizing Paydayloanonline.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Paydayloanonline.com to share your information and credit history with a network of approved lenders and lending partners.

    Lender’s or Lending Partner’s Disclosure of Terms.

    The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. Paydayloanonline.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

    Late Payments Hurt Your Credit Score

    Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.