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Instant Payday Loans

Instant Payday Loans are online loan services that ensure a speedy review of your application. Most of the work is done as soon as you have filled in the online application. After that, most lenders will contact you either by e-mail or phone, or both, to complete the loan process. If you are eligible for an Instant Payday Loan, expect your cash to be deposited in your checking account just as fast. You should be able to withdraw your loan the following business day. Some Instant Payday Loan services will wire your loan to your bank for an additional fee. Your bank may also require a receiving wire fee, so the total cost on a same day wire may be fairly high.

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Instant Payday loan amounts

An Instant Payday Loan can range between $100 and $1,000. Some lenders will consider larger loans. Exactly how much you can expect is difficult to say, as it depends on your income and other requirements of the loan service.

How soon can I expect to get the money in my checking account?

24 hours – most Instant Payday Loans can be expected in your account by the following business day. For a higher fee, most lenders will wire your loan to ensure a same day deposit. This is an expensive alternative. Not only is there an additional fee from the lender, but your bank will probably charge a fee for receiving the wire. In an emergency, the higher fee may be worth it.

Do Instant Payday lenders run credit checks?

No, very few Instant Payday lenders run credit checks.

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What is the time frame for paying off an Instant Payday Loan?

Usually 14 days. An Instant Payday Loan is like any other Payday Loan – an advance on your upcoming paycheck. Normally the loan and the fee are to be paid in full after the agreed upon time limit of 14, 21 or 28 days. Most lenders will agree to accept a payment of just the fee and will extend the loan into a new period. Many lenders do this automatically. In such cases, the customer has to take steps to pay back the original loan. As long as the loan is not paid in full, the lender will withdraw a new fee from your account.

Can anyone use Instant Payday Loans?

Yes, anyone who is eligible for a Payday Loan may become a customer. Due to the low processing time, people in need of money immediately usually opt for this type of loan. The loan may be more expensive than other Payday Loan options, but the guarantee of a swift deposit may be more important at the moment. Emergencies do arise unexpectedly; and if you don’t have any savings, this type of loan can help you out in a time of need.

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Instant Payday Loan Interest Rates

Payday Loans are repaid with a financial fee, instead of the interest rates that banks use. The financial fees vary from company to company and can also vary within a company, depending on the customer and his or her specific needs. Financial fees range from $10 to $30 for every $100 that is borrowed. The fees are set for a certain time limit. This time limit is usually 14 days, but may usually be extended. The rule is: the longer the period, the higher the fee. At the end of the time period, new fees are applicable. If the fee is $15 per $100 borrowed, that will equal an APR of 391.07%.

Instant Payday Loan Restrictions

Instant Payday lenders usually do not have any restrictions on how to use your loan. It is up to the customer to use the loan as he or she sees fit.

Multiple Instant Payday Loans

It is up to the lender to decide if more than one loan is possible. Some do not permit more than one loan at a time, while others will amend a loan to a larger amount and higher financial fee.

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* 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.


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