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Same Day Loans

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Secure and confidential same day loan handling. Most loans are processed same day with funding on the next business day. Loan availability and terms may vary.

a better way to borrow money

Paydayr is a quick and easy way to get a same day payday loan online in as little as 5 minutes.

How it works: Simply complete one brief form, online or by phone, and get an offer from our network of lenders. It’s that easy!

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Same Day Loans

Same day loans can be approved and processed the same day you request and funded the next day or next business day on weekends or holidays.
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How getting a payday loan online works

After submitting a quick and simple request 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 a request 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 request a loan

Once you’ve submitted your information, you’ll be connected with a payday loan offer from a network of independent payday loan providers. Once you’ve received an offer, 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 an offer.

Quicker Loans Online

During normal banking hours, loans can be approved and processed in as little as 5 minutes. While funds can be deposited through a same day wire transfer or a mobile wallet like PayPal, most loans will be funded the next day via direct deposit or next business day for loans requested on weekends and holidays. Payday loans can sometimes provide more immediate cash upon approval under specific circumstances for an additional fee, but in most situations, a next business day transfer will be used.

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.

Can Lenders Provide Loans with No Credit Check?

“No credit check” when applying for a same day loan is a phrase frequently used by payday lenders to distinguish the difference in the way that same day loans are approved compared to traditional bank loans. Direct lenders offering same day loans approve applications primarily based on a few factors, including;

  • Ability to repay the loan
  • The borrower’s income
  • A history of repaying loans

Getting a same day loan typically doesn’t require what’s referred to as a hard credit check – like those performed by banks or credit card companies, but it will often involve a soft credit check. This type of credit check looks up information from consumer databases that can help lenders confirm the income and repayment information provided when applying for a loan.

Unlike a hard credit check performed with one of the big three credit bureaus (Experian, TransUnion, and Equifax), a soft credit check with a consumer reporting database like Teletrack, CL Verify, or DataX, isn’t displayed on your credit report to other potential creditors—only you can see these types of requests, and it doesn’t impact your credit rating.

Are same day loans guaranteed approval?

Guaranteed approval of a loan, no matter what type of loan it is, which lender is selected, or who’s doing the borrowing, is a statement that most lenders can’t claim. Same day loans have much lower requirements and higher approval rates than typical bank loans. This makes them a great option when you need cash quickly, or if you have a bad credit history, but 100% approval can never truly be guaranteed. We can however guarantee that we’ll do our best to find you a lender from our network that’s ready to approve your loan request today.

Can I get a payday loan with no credit check?

Lenders often approve payday loans with no credit check from traditional credit bureaus, but they’ll always perform what is known as a soft credit check. This type of credit check is used to verify things like employment status and income without effecting your credit score.

Are there lenders offering same day loans near me?

In most cases, absolutely! We have a huge network of lenders that are able to provide same day loan offers in most places. Our network of lenders works within federal, state, and local lending laws that determine things like the types of loans that can be offered in certain areas and how much money can be borrowed at once. So the specific terms of a loan will vary by state and local lending policies, but in most cases there will be loan offers available in your area.

Why get a payday loan online?

Getting a payday loan online saves you time and money. With Paydayr, you can be connected with a lender from our network in seconds, that’s ready to offer you a loan today. Loans are 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 specific request 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 available for situations and borrowers 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.

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