Payday Loans Online | Direct Cash To You

If you are in need of some quick short term cash as soon as the same day, then payday loans are one way to get it. Even borrowers with bad credit can avail of a loan up to $1000.

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There comes a moment in everyone’s life when they find themselves facing a financial emergency and are in need of some quick cash to tide over a problem. If you are facing such a situation and are not sure of what to do, then Bridgepayday’s Loans can help you find an online payday loan lender.

Payday loans have a short term and are generally repaid back by the next payday. The duration can be two or three weeks until the next payday arrives. Each lender has his/her own policy in this regard. Some lenders can even allow a longer payment schedule of 30 to 45 days. If 45 days is not enough for your requirements, then Bridgepayday’s Loans can also find a lender who is willing to go beyond that duration.

Online payday loan providers often advertise their services using the claim of performing no credit checks. They do so to stand out from the competition and gain your attention. However, in reality, there is no such concept as no credit check. Neither can a lender guarantee you a payday loan.

If you are worried about your bad credit and are therefore looking for a lender who will not run a credit check, then please relax and give Bridgepayday’s Loans an opportunity. We work with lenders who have worked with bad credit borrowers in the past. We can connect you to such lenders and they may be able to help you out.

We have worked successfully with borrowers in the past who have had low credit scores and poor credit history. We know which lenders to work with in order to improve the chances of a bad credit borrower.

Thus, Bridgepayday’s Loans will help you find a payday loan that can provide you with the amount you need to tide over a tough situation.

Payday Loans for Bad Credit

When borrowers with bad credit need instant cash, and when borrowers have tried all avenues but cannot find any source of cash, then online payday loans can come to the rescue. In order to apply for an online payday loan for bad credit, simply head over to Bridgepayday’s Loans website and take advantage of our relationship with a network of lenders who we have been working with.

Working with us to get online payday loan can be a smart move even when you felt that there is no way any lender would accept your loan request due to bad credit history. Our loan request process is quite fast and you get a decision in a timely manner as well.

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Online Payday Loans

There are some questions that may occur to you as you apply for an online payday loan. Some of the most common questions are:

  • Is it possible to get an online payday loan with bad credit?
  • Will a credit check be conducted by payday loan lenders?
  • What is the approval process for an online payday loan?
  • How long is the payday loan approval process?
  • Am I qualified to get a payday loan?
  • Are there reasons for getting denied a payday loan?

Is it possible to get a payday loan with bad credit?

It is very much possible to get a payday loan with a bad credit history and low credit scores. Bridgepayday’s Loans has established relationships with a wide network of lenders some of whom do not pull up information from major credit bureaus. Such access to the right kind of lenders makes it easy for someone with bad credit to work with us.

Will a credit check be conducted by payday loan lenders?

Bridgepayday Loans works with lenders who have seen a wide variety of credit profiles. So, there are not afraid of working with borrowers with bad credit. Some lenders within our network may perform a traditional credit check. However, there are some others who may not use the major credit bureaus or a traditional process to perform a credit check.

They may perform a credit check in alternate ways with the view of verifying your ability to repay the loan back.

What is the approval process for an online payday loan?

As a borrower, you need to first go online and fill out the loan request form. It is a short form which should take only a few minutes. You will have to submit some personal and financial details. Once the application is submitted, you will receive a decision quickly as to whether you have been approved or not.

We work with a wide variety of lenders who give out this quick decision. Many of our network lenders also do not ask you to fax anything and the money disbursal can happen the following business day in certain cases.

How long is the payday loan approval process?

Once you submit the loan request, we work on matching you with a lender. We also process the information that you have filled out and make a decision within a few minutes. Once the decision is made and a lender is connected, we work with the lender to finish the loan approval process. The duration of this process varies from lender to lender. However, it must be pointed out that payday loans are processed a lot quicker than conventional loans.

Am I qualified to get a payday loan?

In order to qualify for a payday loan, you need to be at least 18 years of age. You also have to be a legal US resident and have a source of income. The income should be consistent. You also need to have a working checking account.

Are there reasons for getting denied a payday loan?

While there can be plenty of reasons for the rejection of a payday loan, we can point out a few common reasons for rejection that we have observed with many of our network lenders.

A payday loan application can be denied if the information provided is incorrect, if the borrower is unemployed, or if the borrower does not have a working checking account. If you are considering a payday loan, then listed below is some useful information on interest rates.


Annual Percentage Rate (APR)

The cost of borrowing a payday loan is generally paid in the form of a fee rather than compound interest. However, these fees can (and often are) expressed as an APR.

It is also because of the fact that the fee is expressed as a percentage that the APR number might seem very high. However, one has to understand the context under which a payday loan is offered. For example, you might notice a fee of $15 on a $100 loan. This, if expressed as simple interest, would amount to 15%. However, once the loan amount goes up, then the fee in proportion to the principal amount would look smaller.

Bridgepayday Loans also offers personal unsecured loans that can have a lower APR.

Loan Recovery

If you fall behind or are unable to repay back the loan, then the loan recovery process could kick in. The process varies from lender to lender. Bridgepayday Loans simply connects you to the most appropriate lender who extends you the loan in good faith.

If the loan isn’t repaid, then the first step is to get in touch via phone and try to work out a solution. If that does not work out, then the lender will take into consideration your ability to repay the loan and construct a repayment schedule.

If that also does not work, then the lender may opt for third-party agencies that are mandated with collecting the debt that is to be repaid. You can look at our payday loan consolidation for this service.

Impact on your credit score

Bridgepayday Loans’ network of lenders may check your credit report with one of the big three credit bureaus namely Equifax, Experian, and Transunion. They may also check your credit report via alternate means rather than going to the credit bureaus.

The lenders could also (at their discretion) submit information about your loan request, loan repayment record, and any other borrowing history with any of the previous lenders.

Since there are many ways in which lenders evaluate a borrower’s credit profile, the credit score may or may not play a factor in the borrower getting loan approval. Payday loan providers have their own way of evaluating borrower profiles and making loan decisions.

So what is the first step to avail a payday loan?

The first thing to do would be to head over to our website and apply for a payday loan. The loan request process entails a simple application form which you need to fill out.

This should not take you more than 5 minutes or so. Once the form is filled out, we pass on the information to a network of lenders in order to receive a quick decision from them. We expect the lending decision to also arrive within a few minutes. Thus, you can sit in the comfort of your living room, apply for the payday loan from your laptop, desktop, or phone, and receive the loan decision at the same place without having to leave your home.

Just because we share your information with lenders does not mean we are not careful about data privacy. We, in fact, take your data security very seriously and follow industry norms in that regard. All the data that comes to us will be encrypted in a 128-bit SSL format. The industry also follows this standard of encryption.

Being a responsible borrower

While we have highlighted the various benefits of opting for a payday loan, we also want to point out that these loans are a short-term solution. Payday loans solve short-term financial emergencies. They do not solve larger longer-term issues.

If you have major financial burdens, then it may be best to work with a trained professional. Trying to borrow your way out of trouble never works. It is always important to borrow only that amount which you can repay back on time.

Some facts about online payday loans

Credit cards can be quite expensive

Payday loans are beginning to emerge as an alternative to expensive credit card debt. The interest rates charged by credit card companies, over the long term, can prove to be quite expensive especially since it often takes a long time to repay the credit card debt.

Simply making minimum payments can hurt the borrower and his/her discretionary income takes a hit. With payday loans, you do not keep racking up interest charges.

Payday loans allow the borrower to tide over unexpected financial emergencies. If credit cards are used to pay for such unexpected expenses, then the minimum payment amounts and the interest charges can quickly balloon.

Besides, payday loans are disbursed quickly and if the borrower is conservative and responsible, then the payday loans are also repaid back in a short duration.

Title Loans

Another option is to pawn your vehicle title with a title loan. This option enables you to keep driving around whilst you pay off your loan.

Overdraft fees are no better either

If you write checks above and beyond the balance in your checking account, then you will have to pay overdraft fees. These fees can also multiply rapidly. So, instead of getting yourself tangled with overdraft fees, you can try a payday loan instead.

There is no snowballing of charges or fees with payday loans. If you borrow such loans responsibly, then it can help you overcome a one-time financial difficulty.

“No credit check”, really?

Payday loan lenders often like to advertise that their loans are no credit check. However, in reality, there is always some type of credit check.

After all, the lender needs to know that you are capable of repaying back the loan. The lender can conduct the credit check in a conventional manner (hard credit inquiry) or an alternative manner which does not impact your credit score.

When applying for regular loans (other than payday, installment, or cash advance), every loan application results in a slight lowering of your credit score.

Making late payments on your loans can also result in negative points for your credit report.

Hence, always be aware of the term “no credit check”. It is often used to attract borrowers with bad credit. But the key is to find out what kind of check the lender really uses.

No Credit Check - Bridgepayday

Repayment options

Once your loan is approved, you can request the lender to give you a longer repayment plan. In fact, many states in the US require lending companies to offer borrowers with longer repayment options. So, you must not hesitate to ask.

Even if the lender gives you a 30 to 45-day window, you can still ask for a longer repayment plan if that is what you desire.

Repayment plan if you cannot make repayments

If for some reason, you are unable to make your repayment on time, then the lender can offer you extended payment options. In fact, there is an industry body known as the CFSA which works like a regulator in the lending space.

Most of the payday loan lenders are members of the CFSA and the CFSA mandates that lenders offer the borrower with extended payment options once in a year if you cannot repay your payday loan back in one lump sum.

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Bridgepayday Loans can help you with your short term loan requirements if you are looking for payday loans or other loans.

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