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What is an Online Payday Loan?

Payday loans online are short-term, high-cost unsecured loans, usually repaid on the next payday or within 7 - 30 days, used for short-term financial needs and to cover emergencies. Their legal status differs from state to state. If approved, the money is funded to the bank account on the next business day.

 

When Should You Consider Payday Loans Online?

Payday loans should only be used in order to cover the costs of emergency expenses between borrower's pay periods. It is a good option to pay for unforeseen medical bills, urgent car repair, home emergency repairs, or other unexpected short-term financial needs.

 

Customers should only use loans as a last resort. It is not recommended to apply for an online payday advance if you may not afford to pay back the loan amount and related interest and fees on the due date.

 

How Much and for How Long Can I Borrow?

Online payday loans typically range from $50 to $1,000, depending on the state you reside in. Payday loans are usually offered for up to 31 days, or until your next paycheck. However, the loans' minimum and maximum terms differ from state to state. With an installment loan, you can get a transfer of up to $5,000.

 

What Are the Costs of Payday Loans?

The loan fee is from $15 to $30 per $100 borrowed. You can learn more about payday loans' rates and fees here. If you need a larger amount of money or different terms than payday loans offer, you can look into some of our other lending options.

 

Benefits of Payday Advances

An online cash advance loan is a financing alternative that works faster and easier than a traditional bank. Here are the main advantages of payday loans online:

1. Minimum eligibility requirements – Qualifying for a payday loan is relatively easy because the borrower only needs to meet a few basic requirements. One of the most important requirements is to have a stable and verifiable source of income.

2. Bad credit is not a problem – The lenders accept applicants with bad credit and only checks the ability to repay the payday loan on the due day.

3. Credit score is not affected – Most online direct lenders run soft credit inquiries that don't affect people's credit scores.

4. Easy and free application process – No appointments are required, everything is done online, and our services are free of charge.

5. Your details are safe & secure – One's personal information is only used to find a suitable direct lender and for no other purpose. PayDayAllDay advanced encryption technology keeps borrowers' data completely secure and private.

6. Fast loan approval and cash funding – It usually takes a few minutes to process the online loan request and up to one business day to transfer the cash advance loan. You will get the loan decision immediately. If approved, you can use the cash to cover your expenses and urgent bills.

 

Payday Loans Requirements: Verify Your Chances Before You Apply

To be eligible for a payday loan, the applicant must:

Be a US citizen or a US permanent resident

Be 18 years of age or older

Have a valid ID

Have a regular income

Have an active checking account

Have a valid email address and telephone number

 

If you can check all these boxes, your chances to get cash approval from a payday lender are good. Also, a good credit score is not a must to be eligible for a payday loan.

 

How to Apply for Payday Loans?

The application process is easy. Simply fill out our payday loan form with your personal and employment information, and wait for the instant decision. It will take only a few minutes. The process is safe and secure; your data will only be used to match you up with payday lenders which don't perform a hard credit check.

 

Why Choosing PayDayAllDay for Your Online Loan?

At PayDayAllDay, we've spent years building the best network of licensed direct payday lenders to serve you. Many of our customers have been working with us again and again because they know the process of applications. It's simple, safe, and designed to be the solution you can turn to when unexpected things happen.

 

Our entire team is committed to exceeding your expectations when offering you short-term loans to cover your cash needs. We're passionate about excellent customer service and making the best safe online payday loans available for you when you need money most.

 

Common Questions

How Do Payday Loans Work?

A payday loan application requires just a few simple steps. First, the consumers must complete and submit the form for a loan online. This takes no more than a few minutes. Afterward, the payday lender will run alternative credit checks, and the borrower will get an instant decision. If the application is successful, the applicant must accept or reject the terms and conditions provided in the agreement. Next, if the loan's terms as interest rate (APR), fees, payment plan are accepted, the individual has to sign the loan agreement. The funds will be deposited directly into the borrower's active bank account the next business day (or the same day if the application is sent before noon). Banking holidays may delay the loan's funding by one day.

 

How Do I Repay a Payday Loan?

Usually, on the due date (with the next paycheck), the online loan amount and fee are automatically withdrawn from the borrower's bank account.

Also, some online direct lenders may offer additional payday loan repayments options, including online through the lender's website, a postdated check when you apply or a check on the next payday. Use lender's customer support if you want to access other repayment options for your cash advances.

 

Are Payday Loans Online Safe?

Our online loans are safe and we never share sensitive application information with third party. We're required to meet strict banking and customer data privacy regulations. All of the details you enter into our site is confidential and protected with advanced cybersecurity solutions. The only way we share your data is by working with our network of licensed lenders to find you the best terms, rates and fastest money transfer available.

 

What Are The Alternatives To Payday Advances?

As an alternative financing source to short term payday loans online, PayDayAllDay also offers lines of credit. An online line of credit is a more flexible borrowing option than a payday loan online. It is generally more suitable if a person requires more flexibility. The borrower can access any portion of his line of credit at any time, up to the maximum available amount. Installment loans are also other alternative lending products. They are borrowed for longer periods and repaid in monthly installments.

However, the best payday loan alternative is not borrowing at all. Consider building emergency funds, smart budgeting, and controlling your spendings to avoid emergency financial needs.

 

If you still have questions, check out our FAQs for more information, or contact our customer service.