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See What Bad Credit Loans We Offer

Loan Amounts: $100 - $1,000

Find the Best Payday Lenders specializing in finding the right payday lender that suits your needs. Simply submit the online form and wait minutes to find out if approved.

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  • Nationwide network of lenders
  • Loans offered up to $1,000
  • Flexible APR rates
  •  Similar to Lightstream
Loan Amounts: $100 - $2,500

With Bad Credit Loans USA, we connected you with our nationwide network of 130 lenders to get the best loan options for you. Simply apply through the quick and secure form to see how much you qualify for.

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5/5
  • Nationwide Coverage
  • The Fastest Application Process
  • Your Privacy is Considered
  • All Credit Types Are Accepted
  • Expert Help
Loan Amounts: $100 - $2,500

LendYou.com is your ideal partner in finding loans when you need them. Whether you’re facing auto repairs, medical bills, or you just need some short-term funds, LendYou.com will get you the cash you need—quickly. Loans of all sizes are available to you quickly and with no hassle. When you’re hard up for cash, LendYou.com is the easy answer.

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5/5
  • Nationwide Coverage
  • Very Simple Process
  • Application takes less than 3 minutes
  • Your Privacy is Considered
  • All Credit Types Are Accepted
  • Receive Approval Decision Instantly
  • Expert Help
Loan Amounts: $100 - $1,000

Lender For Me offers cash advance loans online for those in need. Loan amounts include up to $1,000 and can be deposited into your account as soon as the ned business day if approved.

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4.5/5
  • All credit types accepted
  • Flexible payment options
  • No upfront fees
  • No co-sign option
Loan Amounts: $100 - $1,000

Receive Rapid Loans Online when you request a loan through our speedy service. We can help get you up to $1,000 as soon as the next business day. Simply complete our request form, wait minutes for a decision and receive your money.

Trust Pilot Rating
4.6/5
  • Over 100 direct lenders in almost every state
  • Loans offered up to $1,000
  • Flexible APR rates
  • Good Credit/Bad Credit Accepted
  • Upfront Rates and Payback Period

What is a Payday Loan and How Do They Work?

A payday loan is a very short-term loan. That’s short-term, as in no more than a few weeks. They’re usually available through payday lenders operating out of storefronts, but some are now also operating online. They work best for people who need cash in a hurry. That’s because the entire application process can be completed in a matter of minutes.

Payday lenders will verify your income and a bank checking account. They verify the income to determine your ability to repay. But the bank account has a more specific purpose.

When your loan is approved, the funds are deposited into the verified bank account. But even more important, the lender will require that you write a postdated check in payment of both the loan amount and the interest charged on it.

For example, let’s say that you’re granted a $500 loan on October 16. Since the loan will require repayment within two weeks, you will write a check back to the lender that’s dated for October 30. The check will be for $575 – $500 for their loan repayment, plus $75 for interest.

The postdated check ensures that the lender will be paid back by the scheduled date, and that they won’t have to chase you to get it. Borrowers tolerate the postdated check arrangement because the other major component that lenders normally look at – credit history – is ignored by payday lenders.

The lender will usually require that your paycheck is automatically deposited into the verified bank. The postdated check will then be set to coincide with the payroll deposit, ensuring that the post-dated check will clear the account. That’s why they’re called payday loans.

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