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Over 500,000 Payday Loan Requests Processed Successfully

What are Payday Loans Online?

Payday loans online are short-term cash advances, usually available at even a bad credit score, and processed entirely via online modes. They are agreed upon to be repaid by the debtor by the time they get their next paycheck - hence the name "payday loan." Because of an entirely online process in play (request can be easily made using a computer or mobile device), online payday loans can be availed usually within 1 business day. Payday loans are a reliable solution for situations like medical emergencies or any unexpected bills where you need money instantly, but you can't get it from traditional sources because of extended documentation and loan processing time, and even a bad credit score.

How Payday Loans Online Work

Easy Application

Just fill out our easy loan request form in 1-3 minutes

Instant Processing

Get connected to 120+ legitimate payday lenders

Quick Funding

Cash deposited directly to your bank account

Eligibility Criteria to Qualify for a Payday Loan Online

Every state in the US has specific loan requirements. To get a payday loan online from CashOne, you must:

  • Be at least 18 years of age and a US resident
  • Have a regular job and income (social security or pensions may qualify)
  • Have a valid government-issued ID such as a driver’s license
  • Have a checking or savings account that accepts electronic transfers
  • Provide a phone number (cell phone is good) and a valid email address

Why Choose CashOne for Online Payday Loans

Our Payday Loan Services

Estimate Your Loan with Our Payday Loan Calculator

Our online payday loan calculator estimates your loan based on the expected fees, estimated cost of the payday loan, and estimated repayment amounts. People usually talk about the annual interest rate calculators or APR calculators, but you should focus on the fee you will be paying for the loan, which on average, ranges from $10 to $30 for every $100 borrowed and should pay back your loan on time. Then any annual interest rate will be irrelevant.

Note: Different lenders have different rates, and the Annual Percentage Rate (APR) for payday loans also varies from state to state, so the loan estimate is subject to change at any time. Be sure to discuss all related information with your lender before agreeing to accept a loan.


Click here to know the avg. APR rate of your state

Payday Loan FAQs

How much can I borrow with a payday loan?

You can borrow from $100 to $1,000 or more with a payday loan but there are limits established in each state that greatly differ. Some states limit the maximum amount to $500. Check your state website or ask your lender about maximum allowable amounts. Installment loans of $1,000 or more have different sets of rules per state, ask your lender what your maximum loan amount is. Your income is a prime determinant of loan amount and loan approval.

Can I get a payday loan with no hard credit check?

Bad credit scores are OK for payday loans online. Our direct payday lenders don't do a traditional hard credit check for lending and are only concerned about your ability to repay the loan on time. They use their own risk assessment tools to determine your eligibility. That's why you should always complete your online payday loan request form with accurate details.

If approved, when will I receive my funds?

If your loan request is approved, you will likely receive the money within one working day. For example, if you request in the afternoon and get approved, you will receive the money on the next business day. It is possible if your request is approved very early in the morning that you will receive your funds later that day. But, ask your lender.

How much interest will I pay for a payday loan?

In the United States, payday loans are regulated by state law; therefore, the annual percentage rate, APR, depends on the state from where the payday loan is borrowed. These loans are fee based loans, ask your lender what your fees are, and you will know exactly what you owe.

How do I repay my payday loan?

Most payday loan repayments are automatic. The repayment is automatically withdrawn from your bank account on the due date; just make sure you have the required balance in your checking account. However, there can be other loan repayment options as agreed between you and your lender. Ask your lender what options they offer as well as other loan options you may consider (like several months to repay).

What happens If I can’t repay a payday loan?

There are several possibilities: if you contact your lender before you miss a payment you may be able to adjust your payment terms; if you miss your payment you may be subject to a $35 bank fee; you may also be subject to collections activity or in a few cases a court filing (small claims) to recover the loan balance.

Why am I being denied for online payday loans?

The reasons for denial of any loan request vary considerably. You may live in a state where payday loans are illegal or your income is not enough to secure a loan. You may also have defaulted on a previous payday loan or have other factors that cause your request to be denied. Unfortunately, whatever the reason, we are unable to provide that information. Every lender has their own criteria, which varies, and we are not able to get any information regarding denials.

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