Online Payday Loan Lenders

Online Payday Loan Lenders |‌ Bridgepayday

This comprehensive list of online payday loan lenders online shows you how many options are available to you when you need one. This list is not guaranteed to be accurate or of high quality.

We recommend only choosing lenders with high ratings. Before you sign any loan, make sure to read through the entire agreement.

Get the Best Payday Loans Online | Lenders

These seven middlemen will assist you in prequalifying for a loan and connecting you with direct payday lender networks. To be eligible, you must be at least 18 years old and a US citizen.

Payday lenders and other lending solutions are available on all networks. This is a free service that will approve your loan application right away. You don’t have to accept or seek any loan offers because the service is completely free.

  1. MoneyMutual

MoneyMutual, a Las Vegas-based company that arranges loan arrangements, is MoneyMutual. This company can connect you to payday lenders that require that your next payday repay the loan.

Pre-qualification is only available to those who make at least $800 per month from a job or benefit.


CashUSA can be found in Las Vegas. It partners with personal loan providers who specialize in helping those with bad credit. Payday loans can be obtained with lower interest rates and shorter repayment terms.

Prequalification means having at least $1,000 per month after-tax income and a checking account.

  1. BillsHappen

BillsHappen provides loans through an online network of lenders. Although it focuses on personal loans, its lender network may include payday loan providers.

Prequalification will require that you have a steady income from work or be eligible for benefits. After your loan application has been approved, the lender will deposit funds in your bank account or credit card within one day.


CreditLoan doesn’t have the exact requirements as other lenders, but they are comparable. You can apply for a short-term installment loan that you can repay in three months.

The lending network may provide contact information for multiple lenders, even though it is not specific.


In 1998, the Washington-based Bad Credit Loans firm was founded. It is part of a network that also includes state-licensed lenders and Tribal loan providers. The company offers both installment loans and payday loans.

Prequalification is only available to those with a steady monthly income, an active checking account, a  valid email address, and a phone number.


PersonalLoans can arrange personal loans in all 50 States.

You must make $500 per month to be eligible for a loan. To qualify for a loan, direct lenders might require credit scores of 600 and higher. Others might be able to lend based on income.


CashAdvance was established in 1997 to help borrowers with poor credit find payday lenders.

At least $1,000 per month must be earned after taxes, a valid email address, and a bank account that bears your name.

Complete Listing of Online Payday Loan Lenders

This comprehensive list also includes online payday lenders. They will quickly deliver your loan, sometimes within one business day.

  • Ace Cash Express. There are more than 900 locations across the country. You can also access the platform online.
  • Advance America.  Provided more than 134,000,000 loans over the past 23 years.
  • Installment Loans Seasoned Network
  • BillsHappen Loan. A matching system provides short-term loans.
  • Blue Trust Loans. Direct provider of payday advances up to $3,000.
  • LoanAdvancer. An online loan matching site that focuses exclusively on payday loans online.
  • Cash Central. Provides installment and payday loans throughout the country. Payday loans up to $865 and installment loans up to $5,000
  • CashNetUSA– Offers loans to those with less than perfect credit.  An online network of personal loan providers for consumers with bad credit.
  • Check City Loans Online and at Retail Locations in All Four StatesApply for Payday loans online and in-stores, starting at $50, depending on your location.
  • Loan(r) Lending Network, which specializes in short-term installment loans.
  • DirectPaydayLoans. Connect to lenders offering loans up to $1,000
  • LeapCredit. Offers online lending and matching services to online payday loans. Payday loans online are available immediately. The borrower must be at least 21 years old.
  • MaxLend.  Offers same-day loans for amounts up to $3,000. An online payday loans provider of installment loans, credit cards, and money keys
  • MoneyLion. This bank alternative offers 0% cash advances for direct deposits. Offers both online payday loans and in-store, as well as mobile cashing.
  • MoneyMutual.  The leading lender matchmaking service for personal or payday loans.
  • Moneytree provides online payday loans of up to $255 for many States. Online or through a payday lender, you can borrow up to $1,000
  • NetCredit. Partners offer loans up to $10,000 with credit checks.  An online direct payday lender that doesn’t require credit scores or FICO credit scores.
  • PersonalLoans.  The focus of this group is on online personal loans.
  • SpeedyCash. Provides loans starting at $50 up to $26,000.

What’s a Payday Loan?

Payday loans are a quick-term What’s to get you by until your next paycheck. These loans must be repaid by the due date. For an additional fee, you can roll them.

Credit bureaus do not report these loans. These loans are based on your income. It can’t be used to build credit. If the loan is not paid anytime, credit scores can plummet.

You must hold a job to be eligible for a loan. You can apply online or in-person to get a payday loan.

These websites can help you find online payday lenders and other options such as personal loans to poor credit.

Payday loans can be obtained in either secured or unsecured forms. These loans can have interest rates as high as 1,000%. Due to the increased risk, lenders can charge high fees and an annual percentage rate. Customers with bad credit are eligible for these loans.

Payday loans, also knowns as Cash advance loans, feature a speedy deposit process, making them a lifesaver in need.

Nearly half of borrowers (48%) have only borrowed one loan within the last year. Borrowers of payday loans who take out monthly are less likely than those who stay in debt for over 11 months.

Incomplete payments of payday loans online can cause serious financial problems. If you raise the fees or prolong the term of your loan, you could end up bankrupt.

Payday loans are a fast way to borrow money for people with bad credit or benefit recipients. This could explain why federal attempts to ban payday loans failed, with one exception.

In many states, payday loans are prohibited. Payday lenders are limited in their ability to charge a maximum interest rate. In some states, payday loan rollovers may be limited. Also, the loans are not allowed to exceed a certain length.

How can I apply online for a payday loan?

Online applications are possible through either direct lenders or via a matching system.

It is easy to apply online for a payday loan through an online network. These steps will assist you in obtaining an online payday loan through a lender-matching agency.

  1. Choose a loan matching service. These are seven. Click the START NOW button.
  2. To find out if your loan eligibility is met, please fill out the loan request form.
  3. After you have been prequalified, your information will be sent directly to the lender’s website. Multiple loan offers may be sent to lenders’ different services.
  4. If the lender requests additional information, you will be required to complete the application.
  5. You will receive a loan agreement after your loan approval. Before you sign, please review it carefully.
  6. You can sign the agreement electronically if you are happy with the terms and send it in.
  7. Collect your money. Direct deposit will transfer your money directly to your checking account as soon as the next business day.

You will need to provide information about your Social Security number, income, work schedule, and pay program during the application process. Additional documents may be required to receive final loan approval.

What’s the Repayment Process for Online Payday Loan Lenders?

This allows the lender to collect your payments and deposit proceeds electronically.

Payday shops may offer deferred loans. Both the amount and the interest will require a post-dated check. The lender will cash the bill before the due date for the deferred loan.

Most payday loans can be repaid in one to two weeks. In addition, you will have to pay the origination fees.

When the due date approaches, the online lender will direct your bank to wire payment. The online lender will instruct your bank to wire the amount if you cannot repay the loan by the due date. Additional fees such as an origination charge will be added to your loan, and the due date will reset.

Your bad credit loan will be automatically rolled over if your bank account does not have sufficient funds. Both your bank and the lender might apply.

Check with your state to determine if there are limits on the number of times you can roll over your payday loan.

How much does a payday loan cost?

Payday loans can have high APRs. Even though the charges may seem reasonable, they are not valid for extended periods.

For every $100 borrowed, you may be charged $15. For loans extended for more than two weeks, the APR is 39%. You will need to repay almost four times the amount if you keep the loan for a year.

Payday loan rates may be available in some states that aren’t regulated.  A $400 payday loan and $100 financing fee can lead to a $500 debt.

If you extend your loan for another two weeks, your debt will increase to $625. This assumes you didn’t pay any additional fees.

Personal loans are more attractive because they have a maximum interest rate limit of 36% and can be repaid in one lump payment. Personal loans are generally less expensive. Lenders can repay their loans in smaller fixed payments.

Even if you have poor credit, it is possible to get an unsecured loan. The only exception is the reviewed lending network. It can offer a personal unsecured loan to improve your credit score. This is not like payday loans. You need to make your payments on time.

What are some of the dangers associated with payday lending?

Let’s take a look at the reasons why you might not need a payday loan.

  1. Stop the Debt Spiral

If you need temporary financial help, a payday loan may be an option. You could end up in financial ruin if you fail to pay the loan by the due date.

Many people find payday loans expensive. Payday loans are available to those who borrow more than 11 times a year. 75% of these payday loans are available to people who have repaid their loans. Payday loans must be repaid, or they will be rolled over, creating a vicious cycle of debt.

  1. Higher APR

Shorter terms are used to cover initial costs. The mask can be removed easily once you start rolling over your loan. Your debt will not be paid off.
Payday loans can be charged precisely the same amount as other loans. These loans are almost always illegal. Although a payday loan can be an excellent option for cash emergencies, it is more likely that you will end up in deeper debt.

  1. Rollovers are not accessible.

Fees are added to the loan principal every time you roll over. Payday loan lenders can help you rollover your loan or extend it automatically if it hasn’t been paid in full.

  1. Your Next Month’s Bill

Late payments of other bills could lead to credit damage and repossessions, collections, financial headaches, and bankruptcy. Payday loans shouldn’t be taken lightly. It is essential to understand the effect on your finances over the next few months. You may even consider debt consolidation so you can reduce your indebtedness.

  1. Not for Building Credit:

The primary credit bureau does not report personal loans, cash advances, title loans arrangements, and mortgages. A secured loan is a payday loan. This is not a secured mortgage. You will not be eligible to receive credit bureau benefits if you pay the entire bill.

Credit bureaus will be notified if the loan defaults or is placed in the collection. Although your credit score might not win, it could lose.

Payday loans can lead to emotional turmoil if you repeat the rollovers. We hope you can overcome your payday loan addiction and make long-term choices to avoid falling prey to them again. Customers who are having credit problems should seek credit counseling.

Find out if you’re eligible for payday loans.

You can look through our online payday directory to see all options and choose the one that suits you best.


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Author: Alex Darwin

Alex is a former budget manager turned entrepreneur. He works mainly at home on his credit score advice website and writes a financial blog on the side. He hopes to expand his business into a full online lending company for bad credit as soon as he gets enough investors.