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60-Second Personal Loans

Submit online and get an offer in seconds or call 844-875-9696 to request a loan by phone!

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Paydayr is based in the USA and is fully compliant with federal, state, and local lending policies, as well as, industry standards for the protection of consumer rights and the secure handling of personal information.1 Loan availability and terms may vary.

a better way to borrow money

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!

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Small Personal Loans Made Quick and Easy

Getting a personal loan online is not only quicker and more convenient than working with a big bank, but applying through a network of active lenders offers you more options than ever before. A personal loan can be for anything from a few hundred dollars, to cover bills until your next payday, or several thousand dollars to pay for things like home improvements, car repairs or consolidating debts.

Many times in life, situations arise that require obtaining a loan to pay for an expense, whether expected or otherwise. Medical bills, home improvements or money for college are just some examples that call for a quick personal loan. As traditional lenders such as banks have made it harder to get personal loans with the tightening of their credit standards, more people are turning to online lenders to obtain personal loans.

Among the biggest advantages to applying for a personal loan online are that an applicant’s credit rarely needs to be checked and the application can be completed in as little as 60 seconds. Loan amounts can range from $100 up to $25,000 or more, and can be paid back in either lump sums for smaller loans or in monthly installments for larger amounts. Personal loans are also approved very quickly, usually in a matter of minutes. Once approved, the funds are deposited into your bank account. Most personal loans are deposited to the borrower’s bank account within 24 hours of acceptance, so you can expect to have your money by the next business day.

The amount and term of a personal loan will determine the fees and payment schedule. In the case of a smaller personal loan, usually up to $1,000, the loan will be repaid with a fixed fee, within a short period of a few weeks. For larger, longer-term loans, repayment of the principal amount and the fee will be made in small installments over the course of several months, or even years, dependent upon the size of the loan. Though smaller personal loans bare a higher interest rate, due to their fixed-fee, short-term, nature, the average interest rate, or APR, decreases significantly with larger, longer-term personal loans.

What to Expect When Applying for a Personal Loan Online

Those looking to borrow up to $1,000 can expect to have their money deposited as soon as tomorrow*. The application process for these types of short term personal loans is fast and the application can be approved in a matter of minutes. There are often no credit checks for these loans, only employment verification or verification of another source of regular income. Once income information has been provided, you’ll receive offer details from interested direct lenders, including; the amount of money you can borrow, the loan fees, and the date of repayment.

Most small-dollar personal loans are meant to be short-term loans, which means you should have a plan to be able to repay your loan in no more than 30 days to avoid potentially high interest rates from kicking in. These loans are excellent alternatives for those with bad credit or no credit, and are a viable option for those who are unable to get short-term loans elsewhere.

For amounts larger than $2,500, the process is similar. Though credit checks may be performed for these types of personal loans, those with bad credit, or limited credit history, can still qualify. Unlike a short term personal loan, which is typically repaid in full on a set date, larger personal loan offers will come with a payment and fee schedule covering the term of your loan. The verification and approval process will also likely be longer. This is due in large part to more thorough review of information and documents provided, but even with stricter policies on larger loans, personal loan providers still offer higher approval rates and more flexible terms than banks or credit unions.

When you’re in a financial bind with limited credit or other options for quick cash, personal loans offer a way to obtain a loan quickly and conveniently from the comfort of your home. Whatever your financial situation or loan requirements, getting a personal loan online has never been easier. Lender’s will compete to offer you loans with rates and terms that meet your needs. How you use your money is entirely up to you. Whether it’s $100 needed for groceries until the next paycheck or thousands of dollars for medical bills, a personal loan can provide peace of mind when money is in short supply. You can get the cash you need now, without any paperwork or waiting. There’s no obligation, no cost to apply, and no reason not to apply for a personal loan online today.

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