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Online Payday Loans

An online Payday Loan is a short-term loan, usually lasting for a maximum of 14 days. The loan is given for a fee to be repaid from your checking account on your payday.

For most online Payday lenders, you may have to provide proof of employment and income as a part of your application. Check stubs or bank statements for the past three or four months are usually sufficient. Our payday lenders no longer require fax copies to prove your eligibility.

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Online Payday loan amounts

Online Payday Loans usually range from $100 to $1,000. The average loan amounts are from $200 to $1000. The exact amount for which you are eligible is determined when applying for the loan and is dependent on your income.

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

24 hours – often done because we work directly with online Payday lenders that are able to deposit money quickly into your account. Many of our online Payday lenders will have the money deposited in your bank account within 3-5 days. For an additional fee, some online payment services will also wire your loan to your bank, ensuring you will receive the deposit in your account the same day.

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Do online Payday lenders run credit checks?

No, as long as you meet the basic requirements for an online cash advance (being a US citizen over 18 with a steady monthly income of at least $1,000 and a checking account), you will not have a credit check run. Most online Payday lenders usually want you to just prove you have a steady income and a checking account.

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

Usually 14 days – since an online Payday Loan is an advance on your next paycheck. The online Payday loan company will lend you the money for a period of fourteen, twenty-one or twenty-eight days, depending on how often you are paid. The financial fee is usually set for 14-day periods. Longer periods are possible, but a higher fee will be applied. If you cannot repay the entire amount, including both the loan money and the fee at the end of the agreed period, most lenders will settle for the fee and will renew the payback time frame. Some online Payday services will allow a total renewal every 14 days for a very long time, providing you pay the fee. Other companies will require a Payback plan to gradually repay your loan, if you haven’t managed to repay any of it after a certain number of months.

Can anyone use Payday Loans?

Yes, people of all walks of life use Payday Loans. Anyone can apply for one, providing that they meet the requirements of the specific online Payday loan company. These usually include being a US citizen over 18 with a steady job, a monthly income of at least $1,000 or more (depending on your household), and a checking account. Some companies require that you have been employed a certain length of time with your current employer, usually 3 or 4 months. Other companies will agree to lend you money without a checking account.

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Online Payday Loan interest rates

Online Payday companies charge a financial fee for your loan. This can range from $10 to $30 per borrowed $100, to be paid every payment period which is usually 14 days. The most common fee is $25 per borrowed $100. There are no additional fees besides the financial fee. If the fee is $15 per $100 borrowed, that will equal an APR of 391.07%.

Online Payday Loan restrictions

Online Payday Loans are usually not specified. You are free to use them for whatever purpose you find necessary. However, there are some online loans that are similar to Payday Loans, but are intended for specific purposes, such as buying a car. These specialized loans use the car for security and cannot be used for other purposes.

Multiple Online Payday Loans

Whether you can have more than one loan from an online Payday service depends on the lender. Some lenders require you to repay the first loan in full before reviewing another loan application. However, others will consider renewing a loan by adding on to the original loan. Check the website of your online Payday lender for their specific policy regarding changes in a loan.

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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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