'Payday loans' are small, short-term instant payday loans made by check cashers or lenders at comparatively higher interest rates.
Online payday loan service charges vary from state to state and between lenders. Rates change frequently. Be sure to check with your lender directly about your loan rates and what your specific fees will be as well as all other terms and conditions of your loan. If you are unsure of any terms told to you, ask to have them explained again or in more detail before you agree to a loan. You have no obligation to accept a loan that has been offered to you.
The fast payday loan amounts available depend on the borrower's earnings and approval. To find out if you are eligible for a payroll cash advance loan, check out the online request form and you’ll be on the road to fast cash. There is no such thing as a Guaranteed payday loan, like all loans, payday loans are based on a complex set of factors. Almost all payday loans are funded 1 business day after approval (this excludes weekends and holidays).
We simplified the process. Apply for your payday loan online in minutes, without driving around, tons of paperwork, and long waits.
Complete our online application. It's quick, easy, and secure.
If you’re accepted you will be connected directly to your lender, usually within 90 seconds or less.
Cash is deposited in your account in as little as 1 business day.
The original loan amount & any fees will be debited from your bank account on the due day.
This is a difficult question. Payday loans for bad credit do exist and are quite common. No one with bad credit should feel they are not eligible for a payday loan. However, there are no bad credit payday loans with guaranteed approval.
Although our customers are approved at a rate greater than 80% using our powerful network of lenders, there are a little less than 20% who do not qualify for a payday loan. The only guarantee is that your loan request will be shown to more than 100 lenders increasing your odds of approval.
Some people ask about guaranteed loan approval with no credit check. As noted, delete the word guarantee. However, many lenders do not do credit checks; instead, they rely on databases that they can access electronically. This is because your credit score is not their greatest concern; having a steady income so you can pay back your loan is the most important factor.
Most people would interpret this to mean that they will get a loan no matter what. This is not possible. Some people have outstanding loans, have defaulted on previous loans, and similar situations that cause lenders to reject their application. Others do not have a steady source of income. All these situations will disqualify anyone from consideration.
As noted above, there is no guaranteed approval. However, there are things you can do to increase your odds of being approved.
If you have an existing payday loan, then pay it off. If you have a steady job but only for the last few weeks, wait until you have 3-6 months on the job before requesting. If you don’t have an active checking account, then get one – you need it for almost all payday lenders to work with you.
Request on weekdays (never on holidays) as more lenders work on weekdays than on weekends and holidays. If you requested on a weekend or holiday and were not accepted, wait 1 week and request again when more lenders review your loan request.
CashOne cannot guarantee a cash advance, but we do everything we can to have a very high approval rate. We are online; this saves you time and money driving around looking for individual storefront lenders. By having more than 120 lenders to refer you to, we increase your chances for loan approval.
We make it fast (only 2-3 minutes), easy (short 1-page form), and safe with our SSL encryption systems. Another difference is we do not resell your contact information to a wide range of marketers (like so many others do).
After you submit the request, we delete your sensitive information to protect you further. We never charge an upfront fee for our services. Anyone who requests money upfront for a loan is scamming you. NEVER pay anything in advance for a loan.
There are offshore scammers using U.S. company names to try to fool people by “guaranteeing” a loan and then asking for a deposit. They are just stealing money from those that need it the most. If you are asked for a deposit or guaranteed a loan, run away as fast as you can.
We are here to help you as much as we can to get the payday loan you need. We don’t guarantee a lender will contact you, but we do everything we can to have the best lenders and more than 100 of them who have money to loan right now.
Note: We are a referral source with more than a decade of service and 100+ direct lenders in our network to refer you to.
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