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What are fast payday loans?

Fast payday loans are sometimes called instant payday loans because of how quickly you can request your loan and get an answer. Of course, an instant payday loan does not mean instant funding. Funds are provided to approved requests in one business day in almost all cases. These loans are very short term loans to assist you when you have emergency cash needs between your paydays. You should plan to pay back the loan on your next pay date.

Fast Payday Loans

When is the best time to request quick payday loans?

If you have exhausted your credit cards and other quick cash options, you likely need a fast payday loan online. Common reasons someone requests fast payday loans are:

  • You have outstanding checks and will be hit for $35 per check if you do not cover them.
  • Your utility is about to cut you off, and the deposits, penalties, and restart fees may add up to hundreds of dollars.
  • You have any kind of emergency expense, whether it be medical, auto repairs, or something else.

Since we are here 24/7 and 365 days, you can request a payday loan online whenever you have the need. We recommend weekdays since fewer lenders work on weekends and holidays and your odds of approval are much higher during the week.

How do fast payday loans work?

You start by filling out our short online form and submitting it with the click of a button. Make sure you provide all the information as accurately as possible. You get an instant decision on your request in just seconds. If approved, your lender will call you directly in seconds to discuss your loan, answer your questions, and review the terms and conditions of your loan. If you agree with the terms and conditions, your lender will let you know when to expect the cash in your bank account.

The good news is that all of this can be done in as little as 30 minutes!

What are the benefits of getting fast payday loans online?

By working with online services for fast payday loans, you will get several benefits. One thing is you will not have to drive around wasting gas money and your time. Second, your loan request will not be seen by just one lender at a storefront. Instead, your request will be reviewed by as many as 120+ licensed lenders who are ready to loan money. So, your odds of success are so much greater. Third, the speed of the process is just minutes when you are online. Offline can take hours or days. Online you can submit your loan request, get an answer, and if approved, be speaking with your lender in 5 minutes or less. Simple, secure, fast, and safe for fast payday loans online.

What are the requirements to apply for quick payday loans?

Requirements may vary based on the state you live in, but the basic requirements are:

  • U.S. citizen or permanent resident
  • Active checking account
  • 18 years of age or older
  • Verifiable income source (may include social security, disability, annuity, unemployment)
  • Working email address and cell or home phone number

Why choose CashOne for fast payday loans online?

When you really need emergency cash without all the complications of traditional loans, then we have you covered. Whatever the reason you are in a cash crunch, we are here to help.

CashOne has 15 years of experience and has served more than 500,000 Americans. We use secure SSL encryption technology and delete your sensitive data after 30 days. We also have more than 120 licensed, direct payday lenders and can give you an instant decision on payday loan requests 24/7 and 365 days a year. There are no hidden charges or upfront fees. Our service is completely free to you.


Fast Payday Loan FAQs

How can I get a payday loan instantly?

Technically, you cannot get any loan instantly. You can get a decision on a loan in just a minute or two after submitting your request. All lenders must review your submission, and if approved, discuss terms and conditions and answer all your questions about the loan as required by law. You are never obligated to accept a loan offer from any lender. But the process is referred to as instant because of the speedy time it takes to complete any request.

Where can I get a quick payday loan near me?

Quick answer, just starts by completing our short, secure, online loan request form. It is fast, easy, and safe to do. You will get an instant decision on your request (less than 90 seconds in almost every case).

If approved, you will have your cash in your account the next business day. And you can do it all from your smartphone, pad, or PC. No driving around and wasting gas money and your valuable time.

What is the interest rate for fast payday loans?

Fast payday loans are fee-based loans, and interest rates really do not apply. These loans are not meant to be more than 1 or 2 months in length (usually 1 month). Fees are regulated by each state and vary considerably but a good rule of thumb is loan fees are between $15-30 per $100 borrowed in most states (check your state website for more info). This means a $300 loan will have fees from $45 to $90 in most states.

Can I get approved for a quick payday loan with less-than-perfect credit?

Yes, you can get a quick payday loan with bad credit. And it is important to note that our lenders only perform "soft" inquiries that provide alternative sources of information (no hard credit checks). Making a loan request with us will not affect your traditional credit scores. In fact, most of our customers have poor or bad credit and our lenders are specifically set up to assist anyone with credit problems. Not everyone is approved, but we do have success 80% of the time.


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