Best Online Payday Loans: Top 8 Lenders For Fast Cash Advances

Finding a payday loan online is no easy job, especially since there are hundreds of options on the internet today. When you are looking for a quick cash advance, you don’t have the time to do all the research necessary to ensure you get the most bang for your buck.

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Best payday loans for bad credit

Clearview Federal Credit Union Payday Loan

  • $1,000 – $5,000
  • Simple application process
  • Soft credit check

Money Mutual

  • $200 – $5,000
  • Up to $5.000 in your account in as little as 24 hours
  • Quick and simple form with fast lender decisions

BadCreditLoans loan

  • $500 – $10,000
  • Works with all credit scores
  • Free service

  • $100 – $10,000
  • Receive a loan decision in minutes
  • Get funds directly to your bank account


  • $100 – $35,000
  • Free service
  • Hassle-free process

  • $100 – $35,000
  • Simple application process
  • Fast loan decision


  • $5,000 – $100,000
  • Est. APR: 8.99 – 25.81%
  • Min. credit score: None


  • $100 – $15,000
  • All Credit Types Accepted
  • Funds Directly Deposited

Payday loans can be a great way to cover your unexpected expenses, however, you want to make sure you don’t get stuck in a debt cycle or drown in outrageously high-interest rates.

In order to help you make the most informed financial decisions, we spent hours researching the best online payday loans so you don’t have to.

We worked diligently to bring you the most accurate information based on our professional expertise, so you can go ahead and find the best financial solution available.

Keep reading to learn everything you need to know about payday loans, lenders, and lender marketplaces!

Let’s get started so you can secure a loan quickly, without hidden fees or unnecessary hassle.

Apply for a loan in 4 easy steps

1. Quote

Receive a loan quote from a creditor

2. upload documents

Upload your documents for application

3. Tailor-made proposal

When your documents get approved, the creditor wil give you a personal proposal

4. Pay-out

If you accept the proposal you will usually receive your money within 1 – 3 business days

Best Online Payday Loan Lenders and Lender Marketplaces


ClearView Loans

Best Overall

When you are looking for the best online payday lender, it can be difficult to sift through payday loan interest rates, loan maximums, and repayment requirements in order to find the best available option for you.

ClearView Loans ranks number one because of the seamless user-friendly platform that makes it easy to evaluate different lenders and payment opportunities.

ClearView Loans requires you to fill out a loan request that takes about five minutes. Lenders will reach out to you based on the information you provide, so you don’t have to spend hours applying to different payday lenders.

This can give you peace of mind that you’ll receive an effective offer in a timely manner, without having to hassle with multiple loan requests.

If you are looking for short-term personal loan lenders, ClearView loans can offer a quick cash advance in under 24 hours for small loan amounts ranging from $100 to $5,000.

To inquire about a loan request all you have to do is go to the ClearView website, and fill in your basic information, your income bracket, and your desired loan amount.

Lenders will be able to review your information and decide if they want to move forward with the loan approval process. Once a lender has reviewed your information, you will be sent to their site to provide additional loan information. When you receive a loan offer, you can have the money deposited in your account in as little as 24 hours.

ClearView is a trusted company that has been used by thousands of customers to receive quick and reliable payday loans online. If you need money quickly for medical expenses, an unexpected emergency, car repairs, groceries, or special occasions, ClearView loans could be a great option.


  • Fast and simple application process for online payday loans
  • Receive funds up to $5,000
  • Get money in your bank account in 24 hours
  • Safe time personally inquiring to dozens of lenders


  • They are a loan marketplace, so ClearView is not the place to go for a direct payday lender.
  •  The loan maximum is $5,000, so not suitable for individuals that need a larger cash advance.
  •  You have less control over your direct lender, as it will depend on who reaches out to you.

Clearview Federal Credit Union Payday Loan

  • $1,000 – $5,000
  • Simple application process
  • Soft credit check


Best Overall

MoneyMutual is similar to ClearView in that it’s not a direct lender, but will connect you with over 60 lenders on their platform. The site is easy to navigate and it only takes a few minutes to fill out a form with your personal and loan request information.

MoneyMutual strives to deliver customer funds in 24 hours or less, making it a reliable option for quick turnaround times with minimal hassle.

A lender will reach out to you for further information about your request before approving your loan. MoneyMutual can supply loans between $250-2,500 dollars to anyone over the age of eighteen.

If you have a poor credit score, MoneyMutual is known for being lenient since they only perform a soft credit check. They are approved by the Online Lenders Alliance and will not charge you hidden fees for using the platform, unlike others on the market today.


  • Fast loan approval
  • Receive money in your bank account in up to 24 hours
  • Large lender network that saves you time
  • Flexible if you have a bad credit score


  • Lenders may have high fees, lower loan amounts, and short repayment windows
  • Not a direct lender
  • Low loan maximum, so it’s only ideal if you need a short-term loan.

Money Mutual

  • $200 – $5,000
  • Up to $5.000 in your account in as little as 24 hours
  • Quick and simple form with fast lender decisions


Best for Bad Credit

BadCreditLoans is a lending marketplace that helps you access personal loans, regardless of your credit score. The online platform allows you to access multiple payday lenders who may be willing to transfer funds to your bank account quickly with no credit score minimum.

When you go on the website, you can browse different options for payday loan online amounts, repayment schedules, and interest rates. After submitting your request, BadCreditLoans will send your information to dozens of payday lenders. You can submit a loan application for funds as low as $500 up to $10,000.

Since there is no minimum credit score requirement, you can trust that a lender will get back to you promptly with an offer. Sometimes multiple lenders will reach out to you, which gives you the opportunity to compare different options and decide on the best payday loan. Once you decide on a payday lender, you can expect funds to arrive in your bank account within 24 to 48 hours.

BadCreditLoans is known for being a trusted platform with around-the-clock customer support and encryption security that keeps all of your personal and financial information private.

If you need financial assistance at any point, the team is available to help you find quick solutions to ensure a positive lender-to-borrower relationship.

If you don’t qualify for traditional bank loans, or struggle to find loan approval with a low credit score, BadCreditLoans is an excellent resource.


  • Great lender for people with a low credit score
  • Loan maximum of $10,000
  • 24/7 customer support
  • Potential to compare multiple payday loan options
  • Known for offering decent interest rates compared to other bad credit loans
  • No minimum credit score requirement


  • They are not a direct payday lender
  • Interest rates will vary a lot depending on your credit score

BadCreditLoans loan

  • $500 – $10,000
  • Works with all credit scores
  • Free service

#4. Cash USA

Best for Easy Approval

Cash USA offers fast approval and next-day funding on loans up to $10,000. When you work with Cash USA, you are exposed to a large lender network, all you have to do is fill out a simple application form.

If you need fast short-term personal loan lenders, Cash USA will connect you with borrowers that suit your financial background and loan goals.

Once you submit your application, lenders will get back to you with payday loan proposals. If you don’t get a response from anyone, Cash USA may redirect you to debt relief or credit repair opportunities as another option.

If you are in an emergency situation, we recommend Cash USA for an easy payday loan approval process. Once your loan is finalized, you can expect the funds to reach your bank account in as little as 24 hours.


  • Payday loans online up to $10,000
  • Next-day delivery of funds to your bank account
  • Extremely fast and user-friendly online application process
  • Caters to all 50 states


  • Not a great option for people with bad credit
  • Some lenders may have different requirements and loan regulations
  • Not a direct lender

  • $100 – $10,000
  • Receive a loan decision in minutes
  • Get funds directly to your bank account

#5. 247 Dollar Loan

Best For Easy Loan Application

247 Dollar Loan is known for having an extremely fast application process, all you have to do is fill out a request form that takes three minutes or less.

If you need a quick short-term loan, 247 Dollar Loan is a great place to go. However, they are not ideal for anyone that needs a large sum of money of $1,000 or more.

The company is vetted by the Online Lenders Association, so you can trust that they are a reputable business. 247 Dollar Loan is perfect for people that need to fund a small project, or just want assistance paying for everyday necessities.

If you qualify for a loan, you should receive funds in your bank account in as little as 24 hours. Most 247 Dollar Loan customers will receive a loan between $100-1000.

247 Dollar Loan doesn’t do a hard credit check, so there is slight flexibility for people with poor credit scores. If you are struggling to get approved for a payday loan, 247 Dollar Loan may be a great option to check out.


  • Approved by the online lenders association
  • Extremely fast application process
  • Funds are dispersed into your bank account quickly
  • They only perform a soft credit check


  • Low loan maximum so there is not a lot of payment flexibility
  • Not ideal for people that need large emergency loans


  • $100 – $35,000
  • Free service
  • Hassle-free process

#6. PersonalLoans

Best For Personal Loans Up to $35,000

PersonalLoans is a versatile marketplace that allows borrowers to find personal loans with a minimum of $1,000 or a high maximum of up to $35,000. If you are someone that wants to compare your options when it comes to payday loans, PersonalLoans may be a great place to start finding online payday loans that meet your requirements.

All you have to do is submit a single application to gain exposure to dozens of loan lenders on the platform. You don’t have to worry about high rates or unexpected hidden fees, moreover, you can spend your time comparing payday lender interest rates, repayment options, and funding timelines.

It’s important to note that PersonalLoans will look at your credit score before loan approval, so you might struggle to get a payday loan online if you have a poor credit score. You will either be ineligible by some lender requirements or have to pay a high annual percentage rate (APR).

What really sets PersonalLoans apart is the fact that you can receive an extremely high-value payday loan. Repayment timelines usually fall between three and 72 months, so there is flexibility upon approval for you to choose what works best for you.

Keep in mind that some states will limit the loan amount you may receive, so check the guidelines of your local region before running into any roadblocks.

Additionally, PersonalLoans has a fixed loan application and repayment process so you know the amount you owe, your interest rates, fees and repayment deadlines.

Many people trust PersonalLoans because they are able to feel in control of their debt management and loan allocation. If you need a large payday loan online, PersonalLoans is a fantastic option for finding funding in 24 hours or less.


  • Competitive interest rates
  • Repayment flexibility
  • High loan maximum


  • Not suitable for poor credit scores
  • No short-term loans less than $1,000

  • $100 – $35,000
  • Simple application process
  • Fast loan decision

#7. SoFi

Best Online Payday Loans With Added Benefits

SoFi is a loan provider that offers exceptional fast cash advance opportunities, alongside unemployment protection. For anyone that is nervous about taking out debt, SoFi is a reliable option that provides a safety net to aid in your peace of mind and repayment abilities.

SoFi doesn’t charge any unexpected fees, so you won’t be blindsided by charges you weren’t expecting. Additional benefits you can receive from SoFi are one-on-one career coaching, ease of use with the mobile app, and financial education opportunities.

As a provider of online payday loans, SoFi has a maximum loan amount of $5,000. All you have to do is submit a form on their website, connect with potential lenders, and expect your funds to arrive within 2-3 business days upon approval.

Your credit score is not a huge factor in qualifying for SoFi payday loans online, so it’s worth applying even if you have a poor credit score.

It’s important to note that SoFi is not available in Vermont, but it’s open in all other states of the US. If your payday loan is not an emergency, SoFi could be a reliable option, especially since their service comes with added benefits.


  • No fees
  • Unemployment protection
  • Flexible on credit score
  • Free financial assistance and career advice
  • Mobile app accessibility
  • 24-hour customer support


  • SoFi payday loans are unavailable in Vermont
  • Payday loan funds will show up in your bank account within 2-3 business days

#8. Zippy Loan

Best for a High Loan Maximum

Zippy Loan is one of the online payday loan platforms that has a high loan maximum, alongside PersonalLoans. If you are looking for a higher loan maximum with flexibility on your credit score, Zippy Loan offers borrowers loans between $1oo-$15,000.

The downfall of Zippy Loan is that there are more fees involved than some of the previous lending platforms we’ve discussed. The application process is fairly simple, all you have to do is go on their site and fill out the information in the borrower form.

Lenders will review your online payday loan proposal and get back to you with additional loan information. Upon approval, you can expect to see the funds in your account within 24 hrs or less.

Keep in mind that you might face high-interest rates if you have a poor credit history, however, Zippy Loan is still a good option to consider if you’re struggling with approval for payday loans.


  • Fast funding
  • Higher loan maximum compared to other lending platforms
  • Mobile app payment management
  • Flexible for borrowers with poor credit scores


  • No loan match guarantee
  • Not available in all fifty states


  • $100 – $15,000
  • All Credit Types Accepted
  • Funds Directly Deposited

What is an Online Payday Loan?

An online payday loan is a short-term, high-interest personal loan that is usually paid back on your next payday, although repayment timelines are flexible. Payday loans are also known as single-pay loans, same-day loans, emergency loans, cash advance loans or payday cash advance loans.

Online payday loans can be approved by a lender or digital marketplace, supplying a faster cash advance than traditional methods. Previously, prospective borrowers would have to find in-person locations to discuss payday loans with potential lenders.

Since payday loans are primarily for emergencies or short-term financial needs, online payday loans have proven much more effective. There are hundreds of online loan lenders that make it simple to get the funds you need.

It’s important to understand that payday loans today are often called personal loans by many lenders. Most of the lending marketplaces we mentioned will allow you to take out a loan that’s more than your upcoming paycheck, meaning you don’t have to meet payment deadlines for your payday loan by traditional standards.

An online payday lender used to require a post-dated check that guaranteed repayment, but this is no longer a general requirement. Due to these factors, a payday loan is similar to a regular cash loan.

How do Payday Advances Online Work?

Depending on the payday loan lender or marketplace you choose, you will submit a form on their website that states your personal information, credit background (if required), desired loan amount and anything else their request form requires. You will submit this information either to a direct lender or to a lending marketplace where multiple lenders review your request.

Based on your circumstances and requirements, you’ll typically receive an offer from at least one lender. In some cases, you might get multiple offers and have the flexibility to choose the best option for you. Once you agree on a loan amount, your lender will ask you for additional information to complete the approval process.

Before you receive your funds, you’ll typically write a post-dated check or provide your lender with a valid credit card number. Once everything is approved, you’ll receive your funds that same day or within 24 hrs. Typically, your funds would be automatically withdrawn from your account on your next payday, through a check or debit card charge.

As we mentioned previously, this isn’t always the case anymore. Many lenders will treat your payday loan like a general cash loan, offering different repayment schedules depending on your agreement. Make sure to consult your lender about the terms and conditions of your loan before moving forward. You don’t want to have a $10,000 charge on your account in two weeks without having the funds to meet payment deadlines.

Benefits of Getting a Payday Advance Online

More Options

Since you don’t have to go in-store and fill out a physical form, payday loans allow you to explore many options before making a final decision. Prospective borrowers can look through multiple lending marketplaces before deciding which offer to take. This gives you more control in the process while allowing you to find flexible terms and lower interest rates.

Fast Cash Advance

When you get a payday loan on the internet you are able to get cash significantly faster than going in-store to speak with a lender. The main appeal of the payday loan is a quick turnaround time, which is why the internet has created so many great options. You don’t have to wait multiple days, generally, you can expect a cash deposit in 24 hours post-loan approval.

Convenient Process

You can complete a majority of the process online, without ever having to speak to someone, which is another major appeal of the online payday loan lender. Online personal loans are bringing a level of convenience to borrowers that can’t be found with in-person storefronts.

Requirements for Getting an Online Payday Loan

The requirements for getting an online payday loan will differ depending on where you choose to apply for a loan. However, most payday lenders require similar things. The general requirements are as follows:

  • Be 18 years of age or older
  • Have an active checking account
  • Have valid proof of income and identification

Some lenders will require that you are a US citizen, or have a minimum monthly income of $1,000 dollars to apply, so it’s important to explore every lender’s personal requirements before submitting a request. In general, payday loans are easy to qualify for which is why approval can take as little as five minutes.

Things to Avoid When Getting Payday Loans Online

Payday loans are not a one-size fits all solution. It’s always important to be honest with yourself about your financial position and if taking on more debt will be helpful or hindering in the future. However, if a payday loan is just a means to an end and you are otherwise in good financial health, here are some things to keep in mind.

Late Loan Payments

If you get a traditional loan from a credit union, you might have a generous lender that is willing to cancel your late-payment penalties. This isn’t usually the case with payday loan providers, so it’s important to meet all of your payment deadlines. If you miss a payment you could have a reduction in credit score, overdraft fees, collection calls, and even wage garnishments.

Extremely High APRs or Interest Rates

It’s normal for payday loans to have a higher interest rate, but some lenders will try to charge absurd amounts that leave borrowers paying back thousands of dollars over their loan amount.

Be mindful of the APRs and interest rates of your loans before you decide on a lender. Take time to calculate how much you will be paying in interest to ensure you are able to meet payment deadlines.

Not Reading the Terms in Detail

Never agree to a loan if you have not read the terms of service in detail. Unfortunately, some loans can seem like a good deal upfront but you’ll be plagued with high interest and short repayment periods. In order to not get stuck in a debt cycle, focus on the actual terms of your loan and not just the amount or the fast turnaround of the funding.

Are Payday Loans a Bad Financial Decision?

Over the years, payday loans have earned a poor reputation due to high-interest rates and flashy marketing techniques that tempt people to sign up without understanding payday loan rates and commitments.

However, if you have a stable income and know that you will be able to pay your loan amount off quickly, payday loans can act similarly to credit in giving you a cash advance to use against a project or emergency investment.

If you are someone that doesn’t expect to have any cash flow in the near future, payday loans may not be the best option for managing your finances. Some lenders will prey on people with weak financial literacy by trying to sell you a high-interest rate loan as a ‘bargain’ deal.

Never commit to any kind of loan, especially a payday loan, unless you have done competitive research and made sure you can financially meet deadlines.

Understanding Pay Day Loan Fees

Personal lenders will determine loan fees based on your unique application. The biggest factors that will influence your fees are credit score, credit history, repayment history, and loan amount.

Every lender will provide you with a breakdown of costs beforehand so you understand what you will owe in added fees. Online personal loans will usually have an APR between 5.99% to 35.99%. Generally, the lower your credit score is the more additional fees you will likely have to pay.

Frequently Asked Questions about payday loans

There are some online platforms that will get you payday loan approval in five minutes, however, many places will take at least a few hours to deliver the money into your account. Sites like Roopya, however, discuss getting instant payment within five minutes, although we have not explored the legitimacy of their claims.

Some apps that let you borrow money immediately are Albert, PockBox, MoneyLion, SeedFi, Chime SpotMe, Earnin, Dave and Current.

Payday loans are easy to get approved for if you are in good credit standing. If you are not, you might need to opt for a lending marketplace that caters to your needs for bad credit loans like Otherwise, one of the easier loans to get with a poor credit score is a secured personal loan.

A “payday” loan is a sum of money that a lender gives to a borrower. It’s a short-term, high-interest loan that is traditionally meant to be paid off in full by the borrower’s next payday.

If payday loan borrowers aren’t getting any offers it might be due to the information provided in the request form. Make sure all of the data you entered is accurate and clearly stated. The next cause of concern could be your credit score and the loan amount you are asking for.

If you are struggling to get lenders to respond, make sure you are reaching out to the right marketplace based on your financial history. If you are pitching to a platform that doesn’t accept poor credit scores, that may be the issue.

If you are looking for alternatives to payday loans consider auto title loans, pawnshop loans, peer-to-peer lending sites or credit union loans.

What Type Of Payday loan Suits Your Situation Best?

Compare the best payday loans in the table above.