Paydayr is a quick and free way to get a loan in as little as 60 seconds.
How it works: Simply complete one brief application, online or by phone, and lenders nationwide compete to offer you a loan. It’s that easy!
Our lenders are here to help you get the money you need today!
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How getting a payday loan online works
After submitting a quick and simple application for a payday loan or cash advance online, you’ll receive an instant decision. Once approved by a lender, your money will be electronically deposited to your bank account. This money is usually deposited within one business day.
What are same day loans?
A same day payday loan is a loan that can be processed and approved the same day an application is submitted — in as little as a few minutes. Funds can be deposited by the next business day.
There are never any costs or commitments to apply.
Once you’ve submitted your application, you’ll instantly be connected with payday loan offers from a network of independent payday loan providers. Once you’ve received an offer or offers, you can review the rates and terms to decide whether or not you want to accept the loan. You’re always free to decline or seek out a different lender. There’s never any obligation or commitment required to review offers.
There’s no paperwork and no faxing when you use Paydayr.
When you seek a payday loan or cash advance loan online through the Paydayr website, you’ll find lenders that offer entirely paperless transactions. A completely online loan process means; no printing, no scanning, no faxing, no paperwork or added hassles, just a quick and simple payday loan online.
Why get a payday loan online?
Getting a payday loan or cash advance online saves you time and money. With Paydayr you’ll be connected with countless potential lenders in seconds, offering you many options, available without any paperwork, or ever having to leave the comfort of your home.
How much can you borrow?
The amount you can borrow will depend on a combination of the lender’s policies, local regulations, and your income. Common payday loan and cash advance loan amounts range from $100 to $1,000.
How much does a payday loan cost?
Every lender has their own pricing based on your application and local short-term lending regulations, but the average loan has a 15% finance charge, or 391% APR. There may also be additional fees for extending or renewing a loan. Paydayr will work to connect you with a payday loan or cash advance loan option from a network of 100+ authorized lenders. After you’ve applied, you’ll receive full details of the pricing and terms the lender has to offer, and if you feel the loan pricing is too high or the terms aren’t favorable, you’re under no obligation to accept the offer.
How long do you have to repay your loan?
If your payday loan has a fixed due date, you’ll repay the entire amount on that day, including any charges. If your payday loan came with an installment payment arrangement, then a percentage of the total amount owed will be due on a specific recurring weekly, bi-weekly or monthly date. Most lenders allow you to have payments deducted directly from your bank account. If you’re not enrolled to have payments automatically debited from your bank, then you’ll have to sign in to your account or contact your lender to manually submit your payment on the due date.
Repay your loan as soon as possible to avoid added fees.
Failing to repay a loan on time, without extending or renewing it, could result in additional fees, increased interest rate, or collection actions, and could negatively impact your credit rating. If you require more time to repay your loan, talk to your lender about rollover or extension options.
Getting a payday loan with bad credit, no credit, or a past bankruptcy
Bad credit or no credit is no problem, when seeking a payday loan or cash advance loan online. Payday loans are provided for situations and applicants that traditional banking institutions would decline. They can be used by anyone to meet short-term financial needs, no matter what type of credit you have. Bankruptcy is also not an issue when seeking a payday loan or cash advance.