Best Places To Get a Payday Loan

Same day loans fast cash advances have turned into the financial mainstream. According to the latest stats, 95% of all US-based citizens have applied for quick money delivered by direct payday loan providers at least once over the last few years. Such growing popularity is not surprising. Conventional lending services are dying off while payday loans appear to be a more flexible solution for people who were cash-trapped for any reason.

Budget struggles arise unexpectedly. People want to have a fast and simple solution when being tight in finance to cover running costs or repay the bills. Quick cash advances are provided with no credit check, which means borrowers with bad credit may still access the loan featuring fast approval.

Customers should be very careful when choosing an independent payday loan provider. The website must be officially licensed and follow state regulations. Readers will find a list of most trusted and legit websites that provide instant cash assistance online.

Top 10 Payday Loan Websites For Bad Credit


LoanSolo - Payday Loan Lender

LoanSolo is a platform that connects direct payday lenders with people looking for cash advances. The website is very easy to use. It comes with clear policies and simple steps to send a request. It has a wide lenders’ database letting customers access different sums ranging from $200 to $2,500 depending on the state residence, monthly wage, and other criteria.

To get the needed sum, a user needs to complete a simple application form as well as indicate the amount to borrow. Once the request has been sent, the system will select matching lenders with conditions that meet the borrower’s requirements. A user will receive a request back with ready-to-get cash offers. Customers are not obliged to accept the first offer sent. They may refuse at zero commissions or fines.


MyCreditAdvance - Payday Loan Service

Despite the fact the website is not a direct lender itself, it has a wide network of companies that provide quick cash directly to the borrower. The platform works as intermediaries but apart from other brokers, does not charge fees. Users may benefit from the platform absolutely free and access cash advances in several simple steps.

The maximum and minimum loan amounts here are $5,000 and $100 respectively. A user only needs to indicate the loan range, type in email, and Social Security Number. The info will be sent to potential lenders. They will handle a soft credit check to evaluate customer’s creditworthiness. As a rule, the approval hardly takes more than 1-2 business days.


LendUp - Financial Technology Company is not just a platform with a list of direct lenders to opt for. Launched in 2012, it has always been in the mainstream of financial services and evolved together with the niche. The key principle here is that people with bad credit should not be limited with their right to get instant cash assistance. For this reason, the company makes it easy to fix the credit score.

The key services include fast and seamless access to secure credit cards, debt refinancing programs, and access to educational programs. People will learn how to manage their finances as well as stick to the repayment schedule to prevent possible fines.


SpeedyCash - Trusted Payday Loans Provider is a trusted platform that links borrowers and lenders. It offers several types of cash advances. Some of them come with no credit check while others still call for soft score examination. The website might be also a good place for people who want to fix their credit score. Certain cash advances may have a positive effect in case of prompt payouts. However, that will depend on the state residents and other crucial factors.

The service managed to gain a good reputation and it is 100% legit. On the other hand, there appeared some fake website copies with the same name but different domain zone. Users should be careful when opting for the rights service provider.


CashNetUSA Online Loans

The service delivers various types of instant cash assistance to users who meet general requirements. Borrowers may choose from traditional payday and installment loans in addition to credit lines. is a legit website, which means no risk for users.

People with bad credit will also have a chance to apply for a needed sum. The application process is intuitive and simple. The good news is that the system does not generate or send reports neither shares any transaction info or details. Nevertheless, the minimum credit score to apply should be not less than 580.


ACE Cash Express - Payday Loans & Cash Advances

Those looking for reputable payday lenders should consider this website as well. A company is legit. It has its custom network of direct lenders, which means no brokers and extra fees for the services. On the other hand, the platform takes commissions for every approved loan. It is 3% on every check. The downside is that the site does not contain any info on the APR or interest rate, which is a bit confusing.

The application process itself is super easy. Filling in the form will take several minutes. In some cases, lenders may ask to submit additional copies to prove the borrower’s residence, age or salary.


Check Into Cash - Direct Lender For Online Payday Loans

Despite the fact payday loans are available for people with poor credit, is one of a few companies that actually do the credit check before the approval. They use different sources and check with the official credit bureau to define a borrower's creditworthiness. That might be an obstacle for some customers.

At the same time, the website has established its custom-tailored loyalty program to keep both lenders and borrowers engaged. Special gift cards, promo codes, and personalized offers may work out for both new subscribers as well as returning borrowers.


Advance America - Easy Online Cash Advances

The website offers probably the most affordable rates for people looking for a cost-effective solution to their budget emergencies. The company deals with providing short-term cash advances featuring instant approval and minimum credit check. The key benefit here is that the service charges a flat fee for every loan. It means no hidden charges and a 100% clear pricing policy.

The company charges $15 per every $100 borrowed. It was acquired by the Mexican billionaire Ricardo Salinas Pliego back in 2012 and boasts a solid online presence in addition to a flawless reputation on the web.


Check n Go - Payday Loans Company is a nationwide network that delivers payday loans both online and in thousands of its physical sites located in different states. The platform has grown into the country’s leading financial service provider. It operates as a direct lender bringing different types of loans to citizens. The great feature is that every customer is able to check if he or she will qualify before sending an application.

Such an approach saves time. boasts its own info database with all the necessary credit data listed there. On the one hand, it means a faster application process. On the other hand, it considers at least a minimum credit check.


Spotloan - Trusted Loan Provider

Established in 2012, is one of the most trusted and top-ranking loan providers. It boasts numerous positive reviews in addition to the 4.5 average customers’ rate. The website follows state regulations and offers the loan amount that ranges from $300 to $800.

A customer is able to choose a preferred repayment period as well as the number of fixed installments per week. The site features a simple calculation form with transparent pricing policy and all charges already included in the final repayment price depending on the amount of cash advanced.

General Requirements to get Instant Cash

As a rule, general requirements are the same in all states. However, some lenders establish additional requirements to evaluate customer's creditworthiness, as no credit check is usually made. Companies consider other aspects to evaluate the risk.

At the same time, state authorities also take steps to limit the loan amount as well as APR and interest rates to prevent borrowers from getting into a cash trap. Make sure you choose licensed websites only and meet some of the following requirements:

  • Be of proper age. While the majority of states require users to be if 18 and older, some states restrict the requirements and provide loans for people over 19.
  • Have a steady job. A user will have to prove he or she has a steady place of work over the last 6 months.
  • High enough income. An obligatory condition that will define the overall loan amount a customer may access.

Borrowers should note that companies might ask to submit additional copies to prove age or citizenship.