You have choices!
Though payday advance is not a good long-term financial solution it is a handy solution your short-term financial needs.
List of payday loan and cash advance companies
Plenty to choose from. This list is sorted according to my personal preference ...
1. The Ultimate Financial Offer
Apply for The Ultimate Financial Offer and qualify for a $2500 load limit with Heritage pepaid MasterCard or a $7500 unsecured credit line with nationwide Platinum card. You'll get 0% APR with no credit checks or security deposit.
2. Empire Payday Advance
Get up to $1500 in as little as one hour! Fast Approval. No direct deposit required. No problem with bad credit. Very low fees. Approval in minutes. Safe and confidential
3. Elite Cash Wire II
Elite Cash gives instant approval and wire the money directly into your bank account even if you have bad or no credit! Get Up to $1500 Cash. Sign up. 18+ Year old only.
4. Priority Cash
Get fast and secure payday loans. Register now to get your cash in as soon as ONE hour!
5. Cash Advance Activation
Direct deposit to your account within 24 hours of approval and up to $1,500 for repeat customers. Waivers Credit card reports not required. Application Time 60 Seconds. Response time 24 to 48 hours. Data Transmission Confidential Secure Online Verisign SSL
6. Rapid Cash Anytime
Get up to $1500 in 24 hours with a short term loan. Online application. Instant pre-approval. All credit types welcome.
7. Paycheck Today
get help with cash advance loans and payday loans. Complete online application. No faxing required! Fill out the express application. Approval in 30 Seconds. Not applicable to residents of: GA, KS, WV.
8. Cash Advance Anytime
Get an Overnight Cash Advance up to $1000 Without a Credit Check! You can still apply even if you have bad credit.
9. Cash For Wheels
Get a Cash Advance of up to $1500 within 24 Hours! Get cash for a new or used car, car payment, car repair or any other purpose! Completely confidential online application. Fast and easy approval.
10. Rapid Cash Now
Rapid Cash Now not only offers you up to a $1500 cash advance, but gives away a Free Visa Prepaid Card. Apply.
11. Cash Advance Advisor
Cash Advance Advisor can get you $200 to $1500 dollars in short-term loan money. The process to receive a short-term loan is simple, and there are only few requirements to meet. Accept military applicants. Not available to residents in the states of Georgia, Massachusetts, North Dakota, Nevada, Ohio, and West Virginia.
12. Cash Advance Resource
Cash Advance Resource can get you $200 to $1500 dollars in short-term loan money. The process to receive a short-term loan is simple, and there are only few requirements to meet in order to receive your fast cash. Apply.
13. Team Quick Cash
Get up to $1000 CASH! Have it in your account tomorow. Confidential. Easy. Instant Approval. Sign up and be approved.
Apply for The Ultimate Financial Offer and qualify for a $2500 load limit with Heritage pepaid MasterCard or a $7500 unsecured credit line with nationwide Platinum card. You'll get 0% APR with no credit checks or security deposit.
2. Empire Payday Advance
Get up to $1500 in as little as one hour! Fast Approval. No direct deposit required. No problem with bad credit. Very low fees. Approval in minutes. Safe and confidential
3. Elite Cash Wire II
Elite Cash gives instant approval and wire the money directly into your bank account even if you have bad or no credit! Get Up to $1500 Cash. Sign up. 18+ Year old only.
4. Priority Cash
Get fast and secure payday loans. Register now to get your cash in as soon as ONE hour!
5. Cash Advance Activation
Direct deposit to your account within 24 hours of approval and up to $1,500 for repeat customers. Waivers Credit card reports not required. Application Time 60 Seconds. Response time 24 to 48 hours. Data Transmission Confidential Secure Online Verisign SSL
6. Rapid Cash Anytime
Get up to $1500 in 24 hours with a short term loan. Online application. Instant pre-approval. All credit types welcome.
7. Paycheck Today
get help with cash advance loans and payday loans. Complete online application. No faxing required! Fill out the express application. Approval in 30 Seconds. Not applicable to residents of: GA, KS, WV.
8. Cash Advance Anytime
Get an Overnight Cash Advance up to $1000 Without a Credit Check! You can still apply even if you have bad credit.
9. Cash For Wheels
Get a Cash Advance of up to $1500 within 24 Hours! Get cash for a new or used car, car payment, car repair or any other purpose! Completely confidential online application. Fast and easy approval.
10. Rapid Cash Now
Rapid Cash Now not only offers you up to a $1500 cash advance, but gives away a Free Visa Prepaid Card. Apply.
11. Cash Advance Advisor
Cash Advance Advisor can get you $200 to $1500 dollars in short-term loan money. The process to receive a short-term loan is simple, and there are only few requirements to meet. Accept military applicants. Not available to residents in the states of Georgia, Massachusetts, North Dakota, Nevada, Ohio, and West Virginia.
12. Cash Advance Resource
Cash Advance Resource can get you $200 to $1500 dollars in short-term loan money. The process to receive a short-term loan is simple, and there are only few requirements to meet in order to receive your fast cash. Apply.
13. Team Quick Cash
Get up to $1000 CASH! Have it in your account tomorow. Confidential. Easy. Instant Approval. Sign up and be approved.
Payday Loan FAQ
What exactly is a payday loan?
A payday loan is a small unsecured loan, usually for $100 to $1,500, which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.
Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.
What are the requirements for a loan?
The minimum requirements for a payday loan are:
* You must be at least 18 years of age
* Have a job (or other regular source of income)
* You must have an active open bank account
To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your application and determine whether you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.
If your application is accepted by a lender, your assigned lender may contact you directly and ask for additional information in order to approve the application. Payday lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your application matches their criteria.
In order to increase your chances of getting matched with a lender and ultimately approved for a loan, please be sure to fill out our application with honest verifiable information. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified. We do our best to find a lender for you, but unfortunately there's no guarantee that your loan application will be accepted.
How do I get a payday loan?
Simply complete the online application and submit it from our web site and we will attempt to connect you to a lender online within seconds.
If you are matched with a lender, you may be a required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and apply again to find a different lender.
Typically the proceeds of your loan will be electronically deposited into your bank account by the lender the next business day. You will typically have the ability to choose the payment option that works best for you. All payments are processed by your lender by electronic transfer from your bank account.
How long do I have to pay back the loan?
Your loan is normally due on your next pay date. However, most lenders will allow you to extend your loan by paying a fee.
Once matched with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due. You typically have the following options:
* Do nothing and your loan will auto-finance
* Pay off the loan in full
* Renew the loan and pay interest and fees only
* Renew the loan and pay interest and part of the principal
Please contact your lender directly if you have repayment questions.
How do I receive my cash?
The payday loan / cash advance is wired directly into your bank account by your lender. PriorityPaydayAdvance works with a network of lenders, some of which can have money in your bank account in as little as 1 hour!
How quickly can I get my money?
Payday lenders typically process the loan immediately so that it will be available in your account the following business day after the loan is approved. Some lenders can wire the money to your bank account immediately. If you apply on a weekend or holiday, the money will be sent to you by your lender the next business day.
How do bank holidays affect my loan?
The following bank holidays are observed by Federal Banks and their branches:
New Years Day
Martin Luther King, Jr. Day
Presidents Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Day
Christmas Day
For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.
If your loan is approved on a weekend or bank holiday, typically your funds will be sent the next business day. You should contact the lender directly to confirm when the money will be deposited and the ACH department of your bank to verify that the funds have been credited to your account.
How much money can I have advanced to me?
You can get up to $1,500, based upon the information that you provide on the loan application. Your lender may offer you a smaller loan until you establish a payment history with them.
What are the loan fees for the cash advance?
The fees will vary depending on which lender you are matched with.
What if I do not get approved by the lender?
If you do not get approved for a loan with the lender you were assigned to, you may re-apply by going to the Returning Customers link on the payday loan company website. They will attempt to match you with another lender.
What if my application is not matched with a lender?
If you are not matched with a lender, here are a few suggestions to improve your chances if you chose to re-apply:
* Time of Day: Many lenders do not accept applications outside of normal business hours. You may want to re-apply during regular business hours - Monday through Friday 8 AM to 5 PM EST.
* Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and re-apply.
* Outstanding Payday Loans: Many lenders will not issue payday loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and re-apply.
What if I only have a savings account?
We have several lenders in our network that can lend you money even if you only have a savings account. Please contact your bank to get the routing number. This is needed in order to electronically transfer the loan funds to your account.
What if I have a fixed income or benefits?
As long as you have a steady stream of income, our lenders may be able to provide a loan to you. Enter your benefit provider as your Employer. If you do not have the telephone number of your benefit provider, enter your own telephone number. Enter the number of months you have been receiving benefits for the Months Employed.
What if I do not have a driver's license or state ID?
If you do not have a driver's license or a state ID, please enter your passport number or social security number.
Will you perform credit checks?
We do not perform any type of credit check. We try to match your application to lenders in our network in order to find the right loan for you. Most of our lenders do not do traditional credit checks, however, they may query various consumer databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your past payday loan history.
Do I need to fax any information?
No, the application process does not require faxed documents. However, your lender may ask you to fax over certain information, such as a paystub, if they are unable to verify information in your application.
I am ready to get a payday loan / cash advance! Where do I go to apply?
Great! You can choose one online payday loan company, fill up the loan application and sign up today!
A payday loan is a small unsecured loan, usually for $100 to $1,500, which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.
Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.
What are the requirements for a loan?
The minimum requirements for a payday loan are:
* You must be at least 18 years of age
* Have a job (or other regular source of income)
* You must have an active open bank account
To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your application and determine whether you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.
If your application is accepted by a lender, your assigned lender may contact you directly and ask for additional information in order to approve the application. Payday lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your application matches their criteria.
In order to increase your chances of getting matched with a lender and ultimately approved for a loan, please be sure to fill out our application with honest verifiable information. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified. We do our best to find a lender for you, but unfortunately there's no guarantee that your loan application will be accepted.
How do I get a payday loan?
Simply complete the online application and submit it from our web site and we will attempt to connect you to a lender online within seconds.
If you are matched with a lender, you may be a required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and apply again to find a different lender.
Typically the proceeds of your loan will be electronically deposited into your bank account by the lender the next business day. You will typically have the ability to choose the payment option that works best for you. All payments are processed by your lender by electronic transfer from your bank account.
How long do I have to pay back the loan?
Your loan is normally due on your next pay date. However, most lenders will allow you to extend your loan by paying a fee.
Once matched with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due. You typically have the following options:
* Do nothing and your loan will auto-finance
* Pay off the loan in full
* Renew the loan and pay interest and fees only
* Renew the loan and pay interest and part of the principal
Please contact your lender directly if you have repayment questions.
How do I receive my cash?
The payday loan / cash advance is wired directly into your bank account by your lender. PriorityPaydayAdvance works with a network of lenders, some of which can have money in your bank account in as little as 1 hour!
How quickly can I get my money?
Payday lenders typically process the loan immediately so that it will be available in your account the following business day after the loan is approved. Some lenders can wire the money to your bank account immediately. If you apply on a weekend or holiday, the money will be sent to you by your lender the next business day.
How do bank holidays affect my loan?
The following bank holidays are observed by Federal Banks and their branches:
New Years Day
Martin Luther King, Jr. Day
Presidents Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Day
Christmas Day
For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.
If your loan is approved on a weekend or bank holiday, typically your funds will be sent the next business day. You should contact the lender directly to confirm when the money will be deposited and the ACH department of your bank to verify that the funds have been credited to your account.
How much money can I have advanced to me?
You can get up to $1,500, based upon the information that you provide on the loan application. Your lender may offer you a smaller loan until you establish a payment history with them.
What are the loan fees for the cash advance?
The fees will vary depending on which lender you are matched with.
What if I do not get approved by the lender?
If you do not get approved for a loan with the lender you were assigned to, you may re-apply by going to the Returning Customers link on the payday loan company website. They will attempt to match you with another lender.
What if my application is not matched with a lender?
If you are not matched with a lender, here are a few suggestions to improve your chances if you chose to re-apply:
* Time of Day: Many lenders do not accept applications outside of normal business hours. You may want to re-apply during regular business hours - Monday through Friday 8 AM to 5 PM EST.
* Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and re-apply.
* Outstanding Payday Loans: Many lenders will not issue payday loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and re-apply.
What if I only have a savings account?
We have several lenders in our network that can lend you money even if you only have a savings account. Please contact your bank to get the routing number. This is needed in order to electronically transfer the loan funds to your account.
What if I have a fixed income or benefits?
As long as you have a steady stream of income, our lenders may be able to provide a loan to you. Enter your benefit provider as your Employer. If you do not have the telephone number of your benefit provider, enter your own telephone number. Enter the number of months you have been receiving benefits for the Months Employed.
What if I do not have a driver's license or state ID?
If you do not have a driver's license or a state ID, please enter your passport number or social security number.
Will you perform credit checks?
We do not perform any type of credit check. We try to match your application to lenders in our network in order to find the right loan for you. Most of our lenders do not do traditional credit checks, however, they may query various consumer databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your past payday loan history.
Do I need to fax any information?
No, the application process does not require faxed documents. However, your lender may ask you to fax over certain information, such as a paystub, if they are unable to verify information in your application.
I am ready to get a payday loan / cash advance! Where do I go to apply?
Great! You can choose one online payday loan company, fill up the loan application and sign up today!
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