Online Payday Loans – Get Cash in Your Account Today
Need to borrow money fast? Apply for a small payday loan today and get instant cash same day.
As a trusted financial service provider serving thousands across the United States, Borrow the Money connects you with reputable lenders offering easy access to payday loans for borrowers of all credit types. Whether you’re facing an unexpected expense or need quick cash to cover bills until your next paycheck, our network of lenders is ready to help 24 hours a day, 7 days a week.
A payday loan (also known as a cash advance or small dollar loan) is a short-term loan designed to help you bridge the gap between paychecks. These loans typically range from $100 to $1,000 and are meant to be repaid by your next payday, usually within 14 to 31 days. Our lenders focus on your current income and ability to repay rather than your credit score, making payday loans accessible even if you have bad credit or no credit history.
Apply for Payday Loan Now
✓ Apply in 5 Minutes ✓ Instant Decision ✓ Same-Day Funding ✓ Bad Credit OK
Payday Loans by Amount
Choose the loan amount that fits your needs. Pre-qualify for the needed sum and find out whether you’re eligible in a matter of minutes. Our lenders offer flexible loan amounts to match your specific situation.
Types of Payday Loans We Offer
Our network of lenders provides various types of payday loans designed to meet different borrower needs and situations.
Guaranteed Payday Loans
While no lender can truly guarantee approval, our network includes lenders who specialize in working with borrowers who have been denied elsewhere with more flexible approval criteria.
No Credit Check Payday Loans
Many lenders perform only soft credit inquiries that don’t affect your credit score, focusing primarily on your income and ability to repay.
Same Day Payday Loans
If you submit your application and are approved before 10:30 AM EST on a weekday, many lenders can deposit funds into your bank account within hours.
One Hour Payday Loans
Many lenders provide approval decisions within 60 minutes or less for urgent financial situations.
Weekend Payday Loans
Our platform operates 24/7, allowing you to apply for payday loans even on weekends and holidays.
24/7 Payday Loans
Apply for a payday loan 24 hours a day, 7 days a week, from the comfort of your home or on-the-go using your smartphone.
Why Choose Us
Quick Approval & Funding
Receive an almost immediate lending decision within 15 minutes to 1 hour. If approved, funds are typically deposited the same business day or next business day.
24/7 Online Access
Our platform is accessible 24 hours a day via your smartphone, tablet, or computer. No store visits or waiting in lines required.
Bad Credit Accepted
Good credit is not required. Our lenders specialize in working with borrowers who have bad credit, poor credit, or no credit history.
100% Free Service
We don’t charge any application fees or service charges. Our matching service is completely free for borrowers.
Transparent Loan Terms
Every lender clearly discloses all fees, interest rates, APR, repayment terms, and total loan costs before you accept any offer.
Safety & Security
We use 256-bit SSL encryption to safeguard your data. We never share your details with non-affiliated third parties for marketing purposes.
How to Get a Payday Loan in 3 Simple Steps
Step 1: Fill Out the Online Application (5 Minutes)
Complete our secure online application form with basic personal and financial information:
- Full name, address, and contact information
- Social Security number (for identity verification)
- Employment information and monthly income
- Bank account details for deposit
- Requested loan amount
Step 2: Get a Loan Offer (15 Minutes – 1 Hour)
Our system instantly matches you with lenders. If approved, you’ll receive loan offers showing loan amount, repayment date, fees, APR, and total repayment amount.
Step 3: Get Your Funds (Same Day or Next Business Day)
Once approved, electronically sign the loan agreement. The money will be transferred directly to your bank account:
- Same-day funding: Available for applications approved before 10:30 AM EST on weekdays
- Next business day: For applications approved after 10:30 AM or on weekends/holidays
Ready to Get Started?
Payday Loan Eligibility Requirements
Basic Requirements
Be at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi)
Be a U.S. citizen or permanent resident
Have a valid government-issued photo ID
Have an active checking account (open for at least 90 days)
Have a working phone number and email address
Have verifiable income of at least $1,000 per month (after taxes)
Acceptable Income Sources
Employment wages or salary (W-2 or 1099)
Self-employment income
Social Security benefits (SSI, SSDI)
Disability payments
Retirement or pension income
Military or veteran benefits
Payday Loan Costs and Rates
Typical Payday Loan Fees
Payday loans typically charge $15 to $30 per $100 borrowed for a 2-week loan.
Example: If you borrow $500 with a $20 per $100 fee:
Finance charge: $100
Total repayment: $600
Repayment date: Your next payday (typically 14-31 days)
APR (Annual Percentage Rate)
Typical APR range: 200% to 600%. While the APR sounds high, remember these loans are designed for short-term use only. The actual dollar cost for a 2-week $500 loan is typically $75-$100.
Representative Loan Example
Loan amount: $500
Loan term: 14 days
Finance charge: $75 ($15 per $100)
APR: 391%
Total repayment: $575
Alternative Loan Options
Not sure if a payday loan is right for you? We offer several other loan types that may better fit your needs:
Installment Loans
Repay your loan over several months with fixed monthly payments, making larger expenses more manageable and affordable.
Loan Amount: $500 – $5,000
Repayment Term: 3-36 months
APR Range: 6% – 200%
Best For: Larger expenses over time
Personal Loans
Get larger loan amounts up to $35,000 with lower interest rates and longer repayment terms for major expenses.
Loan Amount: $5,000 – $35,000
Repayment Term: 12-60 months
APR Range: 6% – 36%
Best For: Major purchases or debt consolidation
Title Loans
Use your vehicle’s title as collateral to secure a loan while continuing to drive your car during repayment.
Loan Amount: $500 – $10,000
Repayment Term: 30 days – 12 months
Best For: Quick cash with collateral
Tribal Loans
Borrow from Native American tribal lenders offering flexible terms in states where traditional lending options may be limited.
Loan Amount: $500 – $2,000
Repayment Term: 3-18 months
Best For: Limited state options
Emergency Loans
Get immediate cash for urgent, unexpected situations with same-day approval and funding available 24/7.
Loan Amount: $100 – $5,000
Repayment Term: Varies by lender
Best For: Urgent situations
Allotment Loans
Federal and military employees can get loans with automatic paycheck deductions for convenient, hassle-free repayment.
Loan Amount: $500 – $10,000
Repayment Term: 6-36 months
Best For: Federal/military employees
Loan Comparison Table
| Loan Type | Amount | Term | APR | Best For |
| Payday Loans | $100-$1,000 | 14-31 days | 200-600% | Small emergencies |
| Installment | $500-$5,000 | 3-36 months | 6-200% | Larger expenses |
| Personal | $5,000-$35,000 | 12-60 months | 6-36% | Major purchases |
| Title Loans | $500-$10,000 | 30d-12mo | Varies | Quick cash |
| Emergency | $100-$5,000 | Varies | Varies | Urgent needs |
| Tribal | $500-$2,000 | 3-18 months | Varies | Limited states |
| Allotment | $500-$10,000 | 6-36 months | Varies | Fed/military |
Ready to get started? Complete our quick online application now
Frequently Asked Questions
What is a payday loan?
A payday loan is a short-term, small-dollar loan typically ranging from $100 to $1,000 designed to be repaid by your next paycheck. These loans help cover emergency expenses or bridge temporary cash flow gaps.
How fast can I get money?
Most applicants receive funds within 1 business day. Same-day funding available for applications approved before 10:30 AM EST on weekdays.
Can I get a payday loan with bad credit?
Yes! Bad credit is not an automatic disqualification. Many lenders focus on your current income and ability to repay rather than your credit score.
Will applying hurt my credit score?
Applying through our service typically involves only a soft credit check, which does not affect your credit score.
What can I use the money for?
There are no restrictions. Common uses include medical bills, car repairs, utility bills, home repairs, rent payments, and emergency expenses.
Are there any fees to use your service?
No. Our loan matching service is 100% free for borrowers. We don’t charge application fees or service charges.cates a secure connection. We never sell your data to third parties, and your information is only shared with lenders for the purpose of obtaining loan offers.