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Over 500,000 Payday Loan Requests Processed Successfully

How Payday Loans 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

Why Choose CashOne for 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

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.

Payday loans are short term loans that allow you to cover emergency financial needs. The maximum loan amount depends on your income and the state you reside in. Payday loans come with a higher APR, and you have to repay the installment payment according to the agreement between you and your lender. Payday loans are fee based and when paid back on time you know exactly what you are paying for the loan.

Every state in the US has specific loan requirements. To get a payday loan 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

CashOne connects you to the 120+ direct lenders, allowing you access to short term payday loans. You need to complete and submit loan request form on our website; we will process your loan request and send it for consideration to the lenders associated with us. Lender responses typically occur in less than 90 seconds.

Bad credit scores are OK for payday loans online. Our direct payday lenders don't do a traditional 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 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.

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.

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).

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