If you are facing surprise expenses, an online payday loan may be able to help. This short-term loan can provide you with cash fast so you can pay your bills. Eligibility requirements are straightforward and don’t include a traditional hard credit check. Our lending partners approve applications based on a borrower’s ability to repay the loan by the due date. Unlike traditional installment or personal loans, our application is simple and most borrowers receive a decision within minutes.
Payday Loans with $1,000 Maximums
Medical bills, car repairs, and vet expenses can take you by surprise. A cash advance, or what we refer to as a payday loan, can assist you with covering emergency costs. Whether you have unexpectedly lost your job or simply need cash now, this form of short-term loan is a valuable option. Maximum loan amounts vary by state of residence with most ranging from $50 to $1,000. The majority of payday loans are expected to be repaid when you receive your next paycheck with a due date occurring two to four weeks after your emergency funds are transferred.
1. Applying is simple and secure
The first step in applying for a payday loan is completing our online application. This will ask for your basic information, financial account information, and a way to contact you via phone or email. Our hassle-free application is confidential and secure. SSL encryption ensures your private information is protected
2. Get a decision within minutes
The time from submission to loan approval is quick. Most lenders issue a decision almost instantly. Because our lending partners do not perform hard credit checks, bad credit will not preclude you from being approved. After one of our lenders executes a soft credit check you will receive a loan offer that outlines the terms, length of the loan, interest rates, and final decision.
3. Receive Funds As Soon As the Next Business Day
After approval is granted you will be directed to the lender’s website. Here you will be asked to provide your e-signature on the loan contract and an ACH authorization form if you consent to the loan terms and conditions. Once you complete the agreement the lender will release the funds directly to your bank account. In most cases, you can expect a deposit within the next business day.
Can I Get a Payday Loan with Poor Credit?
Each of our lending partners have their own eligibility requirements. Generally, payday loans have minimum criteria and even those with no credit or bad credit can still get approved. Remember, payday lenders don’t use your credit score or financial history to make a decision. Instead, they check if you meet the following requirements, which include your ability to repay the loan on time.
- 18 years or older
- A citizen of the US or permanent resident
- Proof of stable income
- A bank account operating for at least one month
- An active phone number and email address
- A resident of a state in which payday loans are legal
Instant Approval and Funds Deposited Fast!
Emergency expenses can happen at the worst times. We know that our borrowers need cash quickly. Our simple and straightforward online process is designed to get you the money you need as quickly as possible. Thanks to our partnership with over one hundred direct lenders many loans are granted within minutes.
Once you submit your application the decision is immediate. Upon approval, borrowers can expect their funds within one business day and sometimes even the same day. From application to deposit, our process commonly takes just a few short days. To have the best chance at receiving your money the same day, apply on a weekday morning and receive approval before the cut-off time (typically 11 am). Securing the cash you need to help with financial hardships couldn’t be easier.
Get Approved Even With No Credit or Bad Credit
Depending on your needs, you can submit an application for funds ranging from $50 to $1,000. As part of the lending terms, you will need to repay the loan within a period of two to four weeks. Use our online application to submit your request. Lenders will review your basic information and perform a soft credit check. Even those with bad credit can still be approved. Our lending partners based eligibility on a borrower’s ability to repay, not their credit score. Payday loans are often the most successful lending option for those with poor credit or no credit.
No Hidden Fees From Our Direct Lenders
We partner with over one hundred direct lenders. Not only does this nearly guarantee you approval, but it also helps you get the best rate without any surprise fees. PerceptionCash carefully vets our lenders to ensure that they only extend real loans and abide by our strict lending policies. Our goal is to help those with no credit, bad credit, or in a financial bind secure the best loan for their personal needs.
Lending rates and fees can vary by state and service provider. You should always review the online application for rates, term lengths, and fees. Due to the large scale and competitiveness of the payday industry, most lenders are open to working with their customers to negotiate the best deal.