Payday loans and personal loans online. 24 hour approval guaranteed. No credit check for loans under $400. Get an online loan in a matter of minutes!

Payday loans

USA-based payday loans. Online approval 24/7.

Payday loans in Canada

Faxless payday loans in Canada.

Personal Loans

Installment loans with monthly payments for good credit.

I Need a Payday Loan Immediately

Payday loans are very quick loans, allowing borrowers to have the funds required in a matter of minutes. There are many payday loan critics who claim that payday loans are predatory loans overcharging borrowers on interest rates. The claim is partially valid, but only partially. The fact of the matter is that a typical payday loan doesn’t carry any interest on it at all. The problem is with the fees imposed by some lenders. Typically, lenders charge about $15-20 on every hundred dollars borrowed. This is about 15%-20% of the loan amount. Much? It’s not more than a credit card charge, but…Credit cards charge the same amount per annum.

No Credit Check

Payday loans, as the very name suggests, are not meant to be long-term loans, thus they are to be repaid at the borrower’s next paycheck. As such, they charge the borrower a fixed fee for the services rendered. The fee includes the risk involved on the part of the lender, who doesn’t check the borrower’s credit record.
Regardless of what some people are saying, payday loans are a fast cash injection in emergency situations. They may be more expensive but than other types of loans, but at least they are out there for those who need an immediate help. When people say ‘I need a payday loan immediately’, lenders respond immediately to their needs. There is no time to waste! Each applicant can count on a fast reaction in an emergency situation. Urgent needs must be satisfied with no delay.

Fast Approval

Application for a payday loan is approved immediately as soon as it comes into a lender’s system. You get get approved for a loan if you’re a resident of the UK or USA.
The best part of payday loans is no credit check. This is especially convenient for those who have bad credit. Most lenders don’t approve applicants with bad credit. Direct online payday lenders take a different approach. They charge a higher fees, because they lend money to high risk customers. Not running a credit check makes payday loans high risk loans, which conventional banks try to avoid.

Payday loans are legal in: Alabama (AL), Alaska (AK), California (CA), Colorado (CO), Delaware (DE), Florida (FL), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana, Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Mexico (NM), North Dakota, Oklahoma (OK), Oregon (OR), Rhode Island (RI), South Carolina (SC), South Dakota (ND), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), Wisconsin (WI), Wyoming (WY).

Payday loans are illegal in the following states: Arizona (AZ), Arkansas (AR), Connecticut (CT), Georgia (GA), Maine (ME), Maryland (MD), Massachusetts (MA), New Jersey (NJ) New York (NY), North Carolina (NC), Pennsylvania (PA), Vermont (VT), West Virginia (WV), the District of Columbia (DC).

Amounts: $100, $200, $300, $400, $500, $600, $700, $800, $900, $1000