Best Online Payday Loans: Top 5 Direct Lenders For Same Day Loans & Cash Advance Loan

Do you often find yourself struggling to manage your finances? There’s always something left undone, a debt unpaid, or maybe you postpone fixing your car? Have you ever heard of an online payday loan? Well, that’s what we’re here to talk about.

Online payday loans can provide you with a slight monthly boost by offering you finances quickly. These loans are primarily meant for people with poor credit scores or those of you who can’t seem to make ends meet.

The thing is that every one of you will think first to go directly to the lender’s offices and look for a loan from them directly. We have news for you; why waste your time when you can sit back, relax and make lenders send you offers themselves.

That is precisely what we wish to discuss in this article and present you with 4 excellent online payday loan providers. According to your provided information, they can offer you the comfort of looking for all the best lenders.

But enough said, stick around with us and find out what all these services can offer you and how you will benefit from using them.

Best Lenders For Payday Loans Online On The Market

These four online payday loans are, in our opinion, one of the best today:

  • MoneyMutual: Overall Best Payday Loan Online On the Market
  • BadCreditLoans: Top Loan Company For Bad Credit Loans & Cash Loans
  • RadCred: Trusted Lenders For Instant Payday Loan & Cash Advance
  • CashUSA: Popular Quick Loans & No Credit Check Loans
  • PersonalLoans: Recommended For Personal Loans & Same day Loans

Online Payday Loans Reviews

#1. MoneyMutual: Overall Best Payday Loan Online On the Market


MoneyMutual connects you to over 80 lenders who provide short-term loans. It’s designed to help borrowers deal with their problems by reaching out to loan providers for installments, bad credit, and payday loans.

By accessing their website, you will learn about all their offers and apply for a loan. All you need to do is fill out a couple of necessary forms. After submitting the form, expect offers from lenders who reviewed your application. This is much more efficient than visiting loan offices directly and wasting your time.

MoneyMutual’s services and popularity have grown rapidly. This is because they were aware of what the market needed and the poor economic situation of many people. Immediate fund demands have skyrocketed, with many individuals losing their jobs and being replaced by factory machines. And with the start of the epidemic, these demands went up even higher.

MoneyMutual is an excellent choice because it is a member of the Online Lenders Alliance. It offers a trustworthy service to borrowers and lenders and ensures their safety and security.

With over 2.000.000 pleased customers, this service provides you with speed and fast loan approval and delivery. We want to point out several features that make MoneyMutual stand out with that in mind.


  • Short-term payday loans

These kinds of loans are the most common when talking about short-term loans. They might be ideal for you if you want to pay a bill. This way, you will meet the bill’s due date, and it will cost you a lot less than the interest offered by the short-term loan.

Payday loans are offered through MoneyMutual and need to be paid off on your next payday. Because of this, you will need to provide the exact day of the payment and authorize MoneyMutual to withdraw the amount required on that date from your bank account.

Short-term Payday loans offered by MoneyMutual are often low, at around 300$ max, because of the short amount of time it takes to pay them back.

  • Loan eligibility

MoneyMutual sets a few standard requirements that you have to meet to apply and be eligible for a loan. Some of those standards are:

  • You must be at least 18 years of age
  • You have to live in the US and be a resident
  • You must have a regular source of income and be able to prove that you do
  • Have a valid checking account

You should get multiple offers from lenders across the country by providing all this information. Ensure to provide your checking account so that lenders will have somewhere to deposit the money and withdraw them when the date comes to pay them back.

  • Ease of use

You practically need to visit their website, choose the amount of money you need, and click on the “Get Started” button. That’s how easy the site is designed to function. After that, you only need to fill out all the necessary information and send your application.

This way, you avoid requesting credit from several lenders separately. You might mistake going with the wrong lender in all that confusion, which will borrow less and cost you more. But with MoneyMutual, all options are filtered, and you only get the best offers that suit you most.

  • Security and privacy

One of the reasons so many customers trust MoneyMutual is because it offers safety and security during its service. That is one major problem today, as many companies are unsafe and considered fraud.

Because MoneyMutual is a member of the OLA(Online Lenders Alliance), you can rest assured that they are the real deal. The OLA monitors bad lenders and doesn’t allow them to work with a company that would scam customers. All of this is, of course, backed up by 256-bit encryption.


  • Services provided are free of charge
  • Easy to use and apply
  • Short response times, usually under 24 hours
  • Fast money transfers
  • Member of the Online Lenders Alliance
  • Over 80 lenders await your application


  • Not available in all states of the US
  • MoneyMutual is no longer responsible for the loan’s safety after accepting an offer.

=> Click here to visit the official website of MoneyMutual

#2. BadCreditLoans: Top Loan Company For Bad Credit Loans & Cash Loans


BadCreditLoans is owned and operated by Chief LLC. It represents a network of lenders who wish to serve borrowers seeking loans of up to 10.000$. BadCreditLoans is not a lender but an intermediate party that provides comparison services and connects lenders with potential borrowers.

BadCreditLoans specifically target people with bad credit, helping them in difficult times. By finding suitable lenders that can provide for their needs, they have served more than 750.000 customers.

Viewing financial emergencies as a severe problem is one of the many reasons why BadCreditLoans have been established. When people cannot get fast and reliable funding from banks, BadCreditLoans come in. It can give you credit options ranging from 500$ up to 10.000$.

So, before you get tired and give up on all the rejections you receive from individual lenders, give BadCreditLoans a try; you will not be disappointed. It will provide you with many loan options, including payday loans, with a meager chance of rejection.

So, what do we mean when encouraging you to try out this service? Here are a couple of things we want to offer as highlights and stand out before everything else.


  • Eligibility for application

When applying for a loan at BadCreditLoans, you must meet the following requirements:

  • Must be at least 18 years old
  • Only US citizens are applicable with proof of payment residency and social security number
  • Constant financial income
  • A valid checking account is a must
  • You must have a valid e-mail address
  • Your FICO score must be at least 500
  • You need to provide your home contact details, as well as reasons why you need the loan

Something worth mentioning is that individuals with a FICO score lower than 500 will only be able to borrow up to 1000$.

  • Easy application process

The application process at BadCreditLoans doesn’t usually last longer than 5 minutes and is pretty straightforward. There are only a few simple steps you need to take to be able to apply.

The first thing you need to do is visit their official website and click on the “Get Started” button. After that, you must enter the amount you wish to borrow and enter some personal information about yourself.

One of the last things you need to do is enter your bank account number and information. After that, BadCreditLoans might check your credit score to ensure you apply for the right loan.

Once the lenders have reviewed your application, they will start sending you offers if you are eligible. You can carefully analyze and review them all before accepting any course.

  • Loan amounts and APR

BadCreditLoans is one of the most valuable services in this category because it offers loans ranging from 500$-10.000$. They offer these amounts in a term of up to 36 months. BadCreditLoans act as an intermediary between the lenders and the borrowers, making it easier for them to connect and find each other.

Whenever you decide to borrow money, you will need to fill out a longer and more detailed application with the lender and not BadCreditLoans. If you concretely choose to borrow a Payday Loan, then the agreement will specify the terms of the loan, the effective APR, and the date that is due.

BadCreditLoans claim that their lender associates have APRs ranging from 5.99% to 35.99%.

Another specialty of BadCreditLoans is securing loans for bad credit borrowers. But this is not always possible, especially if your FICO is lower than 500, in which case you will only be able to borrow up to 1000$.


  • Easy to use platform
  • Free service
  • Extended lender network
  • Private and secure
  • 24/7 availability
  • Fast money transfers


  • More information than necessary is required for the application
  • Low loan amounts offered to bad or new customers

=> Click here to visit the official website of BadCreditLoans

#3 Radcred: Trusted Lenders For Instant Payday Loan & Cash Advance


RadCred is one of the most trusted cash advance resources. RadCred analyzes your information and uses its vast network of lenders and other third party lenders to decide whether to give you a loan. With so many companies offering cash advances, you may be wondering why we should choose.RadCred provides the safe, easy and fast service you need to find the right personal loan for you. Local lenders are part of our lending network. Fees and costs charged by lenders can be higher than those charged by state-licensed lenders and are subject to federal and tribal rules rather than state law.



We use industry standard encryption to protect your personal information. See our privacy policy for more information.

Basic Requirements

There is a simple online application form that you can fill out in minutes. As long as you meet our basic requirements, you can easily apply for a personal loan that suits your needs.

Meeting these requirements does not guarantee that you are in line with the lender. We have created a convenient way for you to apply for a personal loan.


  • Trusted Cash Advances
  • Vast network of lenders
  • Safe and easy personal loan service
  • Local lenders part of local network
  • Encrypted to protect your personal information


  • New In the market
  • Not having huge market cap

=> Click here to visit the official website of radcred

#4. CashUSA: Popular Quick Loans & No Credit Check Loans


CashUSA is another online lending marketplace that made its way onto our list. It organizes a network that connects lenders and borrowers. Through CashUSA, borrowers find suitable lenders according to their requirements and agree to make a loan.

As is the case with many online personal loans, the payday loans offered by CashUSA are for people in urgent need of cash. They can borrow this money almost instantly online, not being able to get it conventionally through other means.

CashUSA is unique because it offers access to tribal loans. These loans provide self-employed people opportunities to apply for a personal loan. An option like this is not very often available with traditional lenders.

Keeping in mind these types of loans is that sovereign Native American lands fund them. This means that their APRs might be higher than the state’s maximum.

Another great thing about CashUSA is that they can even offer you a lender willing to give you money if you are in a difficult economic situation. This may include bankruptcies, repossessions, or judgments.

Overall, the process of getting a loan is swift and transparent. You will be well connected to your ideal lender through a straightforward and effective process.


  • Eligibility for application

The several basic requirements for the use of this service are the following:

  • You must be at least 18 years old
  • You must be a US citizen or permanent resident
  • You need to have a valid checking account
  • Your income must be at least 1000$
  • You must provide home and office phone numbers as well as a valid e-mail address
  • Transparent loan offers

One great feature of CashUSA is its network of very transparent lenders. It’s in their best interest to strike a deal with you, so you should expect to see very open and transparent terms and conditions to get a loan.

Once the offer is delivered, you will have all the time you need to consider it and decide whether you want to accept or reject it. Even if you agree to the offer and the lender has signed it with a digital signature, you can still cancel it or pull out.

If you do this, you will go through the same process again, having an even higher chance of getting a better deal next time.

  • Online payments and autopay

CashUSA offers users the convenience of making payments. You can make all your monthly payments directly online. You don’t have to worry anymore about mailing checks or relying on the postal service.

In addition, the lender partners of CashUSA offer you the option of automatic payment for even greater convenience. With this feature available to you, all you need to do is set the date, and the funds will be automatically transferred without you even thinking about them. This is a great way to build good credit history; just make sure to have the funds available on your account.

  • The expected loan amount and APR

Depending on the lender and location, loan amounts can vary from 500$ up to 10.000$. According to reviews, a great thing about CashUSA is that it only takes several minutes to know whether you qualify for a loan or not. After this, it usually only takes a business day to complete the process, and the funds are transferred electronically.

On the other hand, CashUSA doesn’t specify the APR since it is not a direct money lender. The APR may depend on several things, like the information you provide in your loan request, how creditworthy you are, the lender, and eventually the state in which you live. Usually, the payday short-term loan APR reaches 5.99% to 35.99%.


  • Simple and straightforward to use
  • Large network of lenders
  • Available in all 50 states
  • Free to use
  • A fast loan application process
  • Available online 24/7
  • Highly secure site and service


  • Possibility of high APRs
  • Not a direct lender
  • No mobile app is available

=> Click here to visit the official website of CashUSA

#5. PersonalLoans: Recommended For Personal Loans & Same day Loans


PersonalLoans is a company founded in 2001. Its mission is probably the oldest of its kind, as it is dedicated to providing customers with loans from third-party lenders. This is not a direct lender platform but also acts as a middleman between the borrowers and the lenders.

Their site is very user-friendly and free to use, so you can feel free to check it out and apply for a loan if you need it. PersonalLoans offer various options for loans, with their main focus being on short-term payday loans. These offers are, of course, suitable for applicants with poor credit ratings or those who look to consolidate debt.

We can easily say that the crew’s years of experience at PersonalLoans and the quality of its service place it on our list with ease. The user applications are all well processed, on time with no delays, and the application itself is quick and straightforward. The site offers many guidelines for new users due to its user-friendly experience.

According to your research, several highlights make this service also stand out. We will discuss this more below.


  • Loan eligibility

As with all the other Online Payday Loans services, this one also requires some conditions for you to apply for a loan. Those conditions are:

  • You need to be over 18 years old
  • You need to be a US citizen or permanent resident
  • Your monthly income must be 2000$ or above
  • You need to have a valid social security number
  • You must have an active bank account
  • OLA(Online Lenders’ Alliance) member

PersonalLoans is an OLA member, making it a kind of safety in the internet business community. Committing to fair and honest consumer practices, the company must comply with all federal laws and regulations.

This ensures that it will provide users with all protection necessary to prevent fraud while also providing the very best experience for new users.

OLA also stands for all of her participants to offer consumers transparency and honesty, enough cancellation time, fair policies, and not to support false or harmful information. All of these standards are highly incorporated within the PersonalLoans’ structure.

  • Term flexibility

Yet another way this service can stand out is by offering very flexible terms. They provide their borrowers so many lending choices, and much of the flexibility is meant for short-term payday loans. The range of amounts that lenders can offer borrowers stretches from 500$ to an incredible amount of 35.000$.

PersonalLoans also offer you a chance to pay them back as soon as possible and even extend that time limit if you have specific problems. Their flexibility in this regard stretches up to seventy-two weeks, based on the credit amount you borrow.

  • Transparency

This is another trait PersonalLoans has. It means that they will ensure to take the necessary steps and inform people if any unordinary circumstances arise. Such cases might drive the APR higher than their listed range, making people aware adequately.

Telling people who would use tribal lenders’ services about the high risk of APR is another way they show their transparency.

We think it should add to its web page more examples of what is to be expected when taking a loan from the lenders it cooperates with. In addition to the general overview, it could also provide instructions about late fees and origination fees from lenders.


  • Easy to use and get approved
  • Quick process and fast money transfer
  • Low APR depending on the rate you qualify for
  • Offers high amount loans of up to 35.000$
  • Highly secure and encrypted application
  • Available in all 50 states of the U.S.
  • Flexible terms and conditions


  • Not a direct lender
  • Depending on your lender, you may face high fees

=> Click here to visit the official website of Personal Loans

How we made this list

We wanted to make this list as convenient for you as possible. Nobody likes beings scammed, especially when the thing of interest is money. Online payday loans are relatively new and misleading if you don’t completely understand how they work, especially if you have a bad credit history.

We went through many online loans websites, analyzing and comparing all their features and making a list of four. They offer low annual percentage rates, quick money transfers, and user policies without problems. We will point out and explain these factors below.

APR(Annual percentage rates)

We have chosen these money lending websites because they offer the lowest APRs. Annual percentage rates can vary and change over time, becoming higher; this is an essential factor. With these online payday loans, you will only pay back what you are meant to pay back, no more and no less.

Fast money transfers

When you apply for a loan, the first thing in mind is getting the money as fast as possible, right? Well, that is what these four loan providers also have in common because it’s one of the most important factors.

Nobody wants to wait for days for a loan to be approved and money transferred because the goal is to resolve our problems as quickly as possible. And these providers do just that!

Loan amounts

This is the third most important factor when choosing an online payday loan provider. With the four providers we chose for this list, you will have a high level of comfortability in this regard. They all offer higher loan amounts than usual, which is great for flexibility because you will plan and manage how much you borrow and feel more comfortable doing so.

Things to Consider Before Taking Out a Payday Loan

To be honest, many unexpected situations can happen in your life. Much of them are, of course, connected with your finances, and you find yourself struggling to get by. People rarely have the opportunity to save money for emergencies, considering the high prices and expenses we all have.

This is where a payday loan might come in handy to give you a little breathing space and time to get back on your feet. But here are some things you need to consider before applying for one.

Make sure to understand the purpose of the loan

Before applying for a payday loan, first, understand what it is and why it is that lenders make it accessible to you so fast. You should not compare short-term payday loans with bank credit or a credit card. These loans are not designed for long-term use.

Payday loans, as designed for the short-term, have high-interest rates. So, always make sure that you have the available funds to pay it back at the designated date.

You should know precisely how much money you need

Calculating the right amount of money you need will give you the idea of whether or not you will be able to pay the loan back in time. That way, you will know you’re making the right choice.

If possible, always ask the amount you need, and don’t go for any additional funds. They will only increase your interest rates. After knowing all this information and how high your interest will be, you should apply for such a loan.

You must understand the risks involved

Deciding whether to take a loan or not is a risky choice, so you have to make sure that you understand all those risks. Every lender has its terms and conditions, and we strongly advise that you read and understand them first.

If you take out a loan and somehow cannot pay it on time, your lender might assist you by extending the due date for some time. They understand this and are always willing to help, but this may negatively impact your credit history if it’s a repetitive process. This means that the next time you apply for such a loan, it will be more difficult for the lender to trust you and approve one.

Be aware of the impact the payday loan will have on your credit score

With so many short-term payday loans available today, you can easily apply anywhere and get a loan. But this has somewhat of an impact on your credit score and history. Why is that, you ask?

Lenders tend not to trust someone who has a long credit history of frequent short-term payday loans. They might think that you are in trouble all the time, relying on loans to get by. And with each one you take, they might decrease the chances of approving another one. So, try to use them sparingly.

FAQs About Payday Lenders

Can I consolidate my payday loan?

Yes, you can consolidate your payday loan with, let’s say, a personal loan. If you have several smaller loans, you could take one large loan and consolidate the others. This means you only have one repayment each month instead of several different ones.

Bear in mind that even if this makes your payday loan cheaper to pay off, it might still damage your credit score.

Can I get a payday loan on benefits?

Payday loans are usually designed for people who have regular income and stable jobs. This is a kind of insurance for the lender, so even if some offer you a short-term loan on a benefit, we would advise against it.

You might not pay your debt in time if you are unemployed and pay higher interest rates and charges.

How is the interest rate estimated?

The interest rate usually depends on the specific lending company or the state where you live. Different lenders may vary in their interest rate charges.

In states that allow payday lending from lenders, the interest rates vary and depend on every 100$ you borrow. So always try to be well informed and look for the lowest interest rates.

Is it obligatory for me to take the loan after I submit the application?

No, you don’t have to take the loan after you apply. Even if the application is approved through one of the services and lenders start sending you offers, you can choose between them.

This is great for making informed choices, playing it safe, and making the right decision about what will benefit you most. Whenever you decide to go with an application, you need to confirm all the information with the lender.

Is it easy to get additional loans?

Yes, it is. It’s like the last time you applied and took out a loan. All you need to do is visit the website of your favorite lender provider and apply again there.

Again, we would like to remind you to use payday loans for short-term financial needs, not as a form of long-term habit. In addition to this, some lenders or states also require a certain cool-off period before you can take another loan.

Can a payday lender contact my employer when trying to collect the loan?

No, the lender has no business contacting your employer when the loan is due and needs to be paid. The only time a lender may contact your employer is if you consent to do so.

They can do that if you have consented to a personal investigation. They can also contact them to confirm certain information like that you are employed, the length of your employment, income, etc.

What should I know before deciding which payday lender to deal with?

All the lenders provided by the services we reviewed are licensed companies with years of experience. However, many of them might have different criteria depending on your application and credit score.

What you should usually look for in a lender is how much they charge for their services. Also, read and understand their terms and services carefully, as they may vary from lender to lender. These must be fully complete and contain all the information the lender is required to give you before you sign.

If all of these services are not direct lenders, why should I use them?

A good question, but as we explained earlier, you avoid the hassle and waste of your precious time by using these services. Why go through every lender individually when the lenders can come to you with their offers?

All these services are free of charge benefits for you to conveniently receive a short-term payday loan from the comfort of your own home.

How long does it take until I get the money?

A thing that’s great about these short-term payday loans is that you receive the funds in minutes. After the application, when the offer is sent to you by the lender, if you accept it, the lender will usually transfer the funds in 30 minutes.

This is done conveniently through the electronic banking system, so an active bank account is also required for you to have.

Conclusion: What Are The Best Payday Loans Available Online?

You should have a clear understanding of what online payday loans are and how they can help you. We tried to explain them in detail, selecting what we think are the best of them, and pointing out their features.

We also gave you some advice on approaching money lending if you’ve never done it. The things you need to consider, the risks you need to calculate, and whether or not to take a loan at all. We even tried to answer some tricky questions that many people ask when faced with this type of option in their life.

Our final words to you would be that online payday loans are a great option if you find yourself struggling with everyday financial problems. It happens to all of us, and times arise when we have some minor issues and no money to cover them. So, consider using them, but use them wisely!

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