There are so many great alternatives to Payday Loans these days, even if you have bad credit or no credit. The only drawback to any payday loan alternative is time. Our Payday lender can approve a loan for you in a few minutes, while most other alternatives will take at least a week. With that in mind, we recommend you apply for a Payday Loan to take care of your immediate needs and then look into a cheaper alternative for the future.
There is no better way to establish credit, or repair bad credit, than to get a credit card and pay its statements promptly. For those who are worried about opening a line of credit (perhaps you've been denied in the past), we offer many credits cards that do not require good credit, or even any credit at all.
Credit counseling is a great choice when you are deeply in debt – not only with a payday lender, but if you have outstanding medical bills, high credit card balances, or other financial troubles. Should you need money tomorrow, you may need a payday loan as soon as possible; but at the same time, take a few minutes to fill out a credit counseling form which will start you on the path to a stable financial future.
Debt consolidation loans are a great choice when you need to take all of your monthly bills and consolidate them into one easy payment. The lenders with whom we work do not require that you have good credit or own your own home, as is the case with most other debt consolidation programs.
Personal loans are another great choice when faced with some of life's little difficulties. A personal loan typically requires no collateral and can be closed in less than a week. Loan amounts can range from a few thousand up to hundreds of thousands of dollars. The lenders with whom we are affiliated can loan up to $15,000 with an APR of around 26-28% for those with less than perfect credit.
* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.