Payday loans are a lifeline when faced with financial emergencies. Whether you need to make urgent car or fridge repairs or are in a medical crisis, payday loans online can come to your rescue! Online loans are a valuable resource when looking for loans near you. In this article you’ll learn what payday loans are, how they work, how to apply, the features and factors to consider, and how we chose the best payday loans near me matching services.
Best Payday Loans Online – Quick Overview
Request funds at one of the top 4 payday loan online services below.
- Viva Payday Loans – Request payday loans online, guaranteed decision
- Heart Paydays – Request payday loans for bad credit same day
- Credit Clock – Request payday loans with flexible repayments
- Money Lender Squad – Request payday loans without credit history
Best Payday Loans – Payday loans online for bad credit (July 2022)
1. Viva Payday Loans – Best overall payday loans online
Viva Payday Loans provides a quick and easy online application process for applying for payday loans online from top lenders in the US. Viva Payday Loans is an established loan finder, providing a free matching service to short-term loan lenders no matter your budget or situation.
You can borrow payday loans near me from $100 to $5,000 and repay in 2 to 24 months. You’re guaranteed fast approvals and deposits, provided you’re eligible and can afford to repay the borrowed amount. You also get free access to lenders who specialize in offering payday loans for bad credit and no credit checks.
Viva Payday Loans are very inclusive and will connect you to lenders who offer tailored, honest payday loans even if you’re not traditionally employed.
- Inclusive lending
- Free access to specialized lenders
- No paperwork loans
- Not available in all states
Click here to request funds at Viva Payday Loans >
2. Heart Paydays – Best payday loans for bad credit
Getting approved for loans with bad or non-existent credit can be challenging. Traditional lenders will reject your application automatically, but Heart Paydays is here to help!
They provide a matching service to specialized lenders who offer payday loans for bad credit borrowers. Unlike traditional lenders, they consider more than your credit score when assessing your application.
Whether you missed a few payments in the past, were previously bankrupt, or are yet to build your credit history, Heart Paydays can match you with a suitable lender for quick payday loans.
- Minimum age of 18 years
- An active US bank account
- A valid phone number and email address
- All credit scores welcome
- No obligation pre-qualification
- Quick payouts
3. Credit Clock – Best payday loans with flexible repayments
Credit Clock is also not a direct lender. They match borrowers with suitable direct lenders who offer payday loans from $100 to $5,000 with flexible repayments. Credit Clock is your go-to loan finder if you don’t want loans with blanket repayment terms.
You can choose to make weekly, fortnightly, or monthly repayments that make it easy to repay the loan. When you borrow payday loans near me through Credit Clock, you can easily match the repayments with the schedule of income or salary.
- Security And privacy guaranteed
- Automated repayments
- Flexible repayments
- Terms and rates can vary
4. Money Lender Squad – Best payday loans for unemployed
If you’re unemployed and are looking for payday loans near me, Money Lender Squad is your best bet. They’re not direct lenders but act as a guide and matching platform connecting borrowers with payday loans and no credit check.
Even without a traditional job, you can be earning an income through dividends, pension, rental properties, child support, alimony, freelance gigs, or trust proceeds. Lenders at Money Lender Squad offer online payday loans from $100 to $5,000, and you can get approved provided you’re eligible and receive at least $1,000 in your account from any source.
- All incomes accepted
- Easy to use website
- Strict eligibility criteria
What are Payday Loans, and how do they work?
Payday Loans are personal unsecured loans that allow you to borrow a fixed amount and repay in short periods of around one to two years. Online Payday Loans usually feature small amounts that are easy to repay to ensure you’re not indebted for long.
When you apply for Payday Loans online through Viva Payday Loans, you get a lump sum deposited into your account and repay in fixed payments that cater to the principal amount and the interest on the loan. You can borrow from $100 to $5,000 and repay in 2 to 24 months.
There are no restrictions on how you use the loan, and they’re suitable for emergencies, repairs, improving your credit score, or getting through the month.
Payday Loans features and factors to consider
Payday loans should feature small affordable amounts you can easily repay within a few months. Viva Payday Loans makes it easy to borrow reasonable amounts from $100 to $5,000. Always ensure you only borrow amounts you can comfortably repay.
The best payday loans don’t have blanket terms. Instead, they feature flexible terms that can be tailored to the borrower. Lenders at Viva Payday Loans allow you to repay the loan weekly, fortnightly, or monthly over 2 to 24 months.
How did we choose the best Payday Loans providers?
We looked for:
- Providers who work with lenders who offer payday loans for bad credit and non-existent credit borrowers without discrimination
- Providers who partner with the top licensed and trustworthy lenders in the US
- Platforms that are easy to use and navigate with guaranteed safety and security
- Providers with quick lending decisions and disbursements
- Providers who provide a free matching service with no hidden fees
If you’re looking for payday loans online, Viva Payday Loans is your best choice for excellent free matching services to top lenders in the US. You’re guaranteed hassle-free borrowing, affordable loans with flexible repayments, and a quick approval and payout process that gets you the funds you need in record time.
Can I apply for payday loans with bad credit?
Yes! But you need access to specialized lenders who offer Payday Loans for bad credit, and that’s where Viva Payday Loans come in! Viva Payday Loans gives you free access to lenders who specialize in offering Payday Loans for bad credit or with no credit checks from $100 to $5,000.
Can I borrow payday loans near me when self-employed?
Yes! Viva Payday Loans connects you to lenders who accept all kinds of income, including freelance earnings. You can quickly get approved for Payday Loans online, provided you earn at least $1,000 monthly and can afford loan repayments.
What is the interest in online Payday Loans?
When you apply through Viva Payday Loans, you can expect reasonable interest rates ranging from 5.99% to 35.99%. The rate you get is influenced by your income and risk level factors.
Disclaimer – The above content is non-editorial, and TIL hereby disclaims any and all warranties, expressed or implied, relating to it, and does not guarantee, vouch for or necessarily endorse any of the content. The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan.
This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only.