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Can I Get Payday Loans on the Same Day?

When someone is in need of immediate cash for any emergency, there is a great sense of urgency. What if your car broke down and you don’t have enough cash (or a credit card) to pay the complete bill? And what if your job depends on that car working?

That is why so many people search for same day payday loans!

And, YES, you can get payday loans online the same day. But there are some things you should know to be able to do this. Check out the FAQs below to understand how it may be possible to get payday loans on the same day… or not.

Same Day Payday Loan FAQs

What are same day payday loans?

Simply, these are just what they say: payday loans that you request on a specific day and get the money on the same day as your request. There is a one REALLY important thing you should know. Since same day payday loans require an active checking account, if you apply on a weekend or holiday, it is impossible to get same day cash.

The reason is simple; banks are not open on those days, so your lender cannot deposit your funds until the bank is open.

How do same day payday loans online work?

If you are applying for a payday loan online the same day, as long as it is on a Monday thru Friday that is not a holiday, you can get the cash the same day. But there is one big restriction. In order for a lender to process your loan request and get the cash to you the same day, you must apply for the loan very early in the day. This usually means before 10 a.m. or even earlier.

The actual process is simple, just go to our loan request form, fill it out accurately, and hit ‘submit.’ Within 90 seconds or less, you will get an answer. The great news is that over 80% of all those requesting a loan are approved here at CashOne. We have over 120 qualified lenders seeking to provide same day payday loans, but not all of them may be able to do so. Be sure to ask your lender what they can or cannot do. In almost all cases, lenders will get your cash to you within 1 business day if they cannot do so the same day you apply.

What are the requirements to qualify for same day payday loans?

As mentioned, the first requirement is you have a valid checking account. How else will your lender deposit funds to your account? There are other requirements, and these vary among lenders and the state you live in. Here are a few things that all lenders require:

  • You must be 18 years of age or older (19 in some states)
  • You must be a citizen or permanent resident of the US.
  • You cannot be an active military member
  • You must reside in a state that allows payday loans (some states like NY do not)
  • You must provide a valid phone number (cell is fine), valid email address, and complete other personal information

Our short payday loan application form is easy to complete and only takes 2-3 minutes to do so. It is fast, secure, and safe.

What are the benefits of same day payday loans online?

There is no better place to go than a payday loan online the same day. Why? Driving around looking for a storefront means you have 1 chance to be approved. Going online at CashOne means you have over 120 lenders seeking your business. You should like those odds, plus, no wasted time and gas money. There is no faster or easier way to get same day payday loans.

Does ‘No Credit Check’ matter for same day payday loans?

Same day payday loan lenders almost never do a credit check. They rely on databases of information to verify that what you submit on your request is accurate. More importantly, they know that the most important information is not your credit history, but your current job status. If you have regular employment and make at least $1,000 a month, then you are far more likely to repay your loan.

Same day payday loans are requested most often by those with poor credit; lenders in this business are fully aware of this and prepared to lend to you knowing this fact.

Is it easy to apply for a same day online loan?

Super easy! Complete our loan request form in 2-3 minutes and within 90 seconds or so you get an answer. Can it be any easier? Not really.

What if I can't pay back the same day payday loan on time?

If you are seeking a same day payday loan, you should always pay back the loan on time. However, if you realize that you will not be able to pay back the loan on time (which is usually your next pay date), discuss what other options are available with your lender. Be sure about all the terms and conditions before signing your loan contract, and don’t be afraid to ask questions.

With this being said, you should always plan to repay your loan as agreed and not miss the payment. Because if you don’t pay it back after you have agreed to do so with your lender, default fees (up to $30 NSF fee) can start adding up fast if you delay or rollover your loan into a new one.

Note that if you default on your payday loan online, there is a good chance you can’t get another one in the future if you need one. Be careful when seeking payday loans; don’t get trapped in a series of high fees for a small loan.


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