Best Weekend Payday Loans (2025)

Weekend payday loans are a possible solution to totally unexpected emergencies.

And since clients looking for these kind of loans have a high level of urgency these loans are typically high-cost, short-term and risky

Our team spent hours trying to find a few reliable options.

Now let's be clear, you should get one of this loan only if you are sure you can repay it by your next paycheck.

Activating a loan (especially an expensive one) is an important financial decision. Don't take it lightly and consider to talk first with a financial expert that understand well your financial situation.

Top weekend payday loans in 2025

Let's take a closer look at the featured options for weekend payday loans.

Since their requirements are quite similar, know that you can apply for an offer, if you tick the following musts:

• Be at least 18 years old.

• Be a US citizen or a permanent resident.

• Have a valid email address, work phone number and home phone number.

• Have a regular income of at least $1,000 per month.

As per credit scores, all of the lenders here are flexible and might offer financing even if you have fair credit.

This said, do not borrow more than you need to cover your weekend emergency and make sure you'll be able to repay your debt with your next paycheck.

​1. Upstart: Best terms for people with less than perfect credit

Upstart is technically not a payday lender but they have flexible criteria and offer better terms than the rest of the featured lenders.

We consider them to be the best choice if you need funding quickly during the weekend and you have an account in one of the over 100 banks they partner with.

Their biggest partners include:

• Liberty Savings Bank

• Cross River Bank

• FinWise Bancorp

• Credit Unions: Alliant, BCU, Patelco, and Abound

Upstart has a very minimal anual income requirement of $12,000.

This income can come from a job, regular employment, or even a job offer that starts within six months.

We recommend you to pre-qualify with them first (it will NOT impact your credit score) and only if not possible, to seek financing elsewhere.

Upstart's Pros

• Flexible Eligibility: No minimum credit score requirement. Instead they consider factors such as educational background and consistent job history.

• Competitive APRs: One of the lowest available APRs among lenders providing online personal loans for people with far from excellent credit scores.

• Fast Funding: Same day funding even during the weekend if the transfer is within the same bank.

• Diverse Loan Amounts: Loans ranging from $1,000 to $50,000, providing flexibility in the amount needed.

• High Customer Satisfaction: Trustpilot score of 4.9/5 stars, which is the highest among all lenders reviewed.

Upstart's Cons

• Origination Fees Might Be High: Can range from 0.00% to 12.00%.

• Limited Loan Terms: 36 or 60 months.

• No Joint Loans or Cosigners: This can be a disadvantage for borrowers who might benefit from a co-borrower to improve their chances of approval or secure a lower interest rate.

​2. LowCreditFinance: Best for easy approval

Low Credit Finance allows you access to a network of lenders that can offer a loan with a weekend payout and fast funding (within 60 minutes).

They have multiple partners that offer loans to consumers with various credit profiles, including those with bad credit and the application process on their website takes around 2 minutes.

LowCreditFinance's Pros

• Accessible to all credit types: You might be able to find financing through this platform even if your credit score is low.

• Same-day instant decisions: Cash sent within 60 minutes upon approval.

• No collateral required: The loans available are unsecured and you do not need to provide collateral to secure them.

• No use restrictions: You can use the funds for all sort of emergencies.

LowCreditFinance's Cons

• Higher interest rates: If your credit score is low, you can expect higher interest rates here compared to traditional lenders.

• Potential for hidden fees: Some borrowers may encounter hidden fees or unfavorable terms that are not clearly disclosed upfront. This lack of transparency can lead to unexpected costs over the life of the loan.

• No direct lender: This is a marketplace connecting borrowers with lenders and your overall experience will vary based on the chosen lender.

Applying for offers here does not impact your credit score but accepting an offer and failing to make timely payments is likely to affect your credit history.

You can test the waters and see what is available but make sure to read the fine print and compare all conditions on the offers.

​3. Wizzay: Best for comparing multiple lenders

Wizzay is an online access to loan amounts ranging from $500 to $5,000, with funds potentially deposited into your bank accounts as soon as the same day, depending on the bank service.

Wizzay primarily serves consumers who require immediate financial assistance and may not have access to traditional lending options. 

Wizzay.com's Pros

• Fast application process: Borrowers can complete a secure online form in just a few minutes, which connects them with approved lenders without the need to visit multiple websites or fill out extensive paperwork.

• Quick funding: Once a loan offer is accepted, funds can be deposited directly into the borrower's bank account within 24 hours.

• Flexible use: The service is designed for individuals needing funds for various reasons, such as unexpected medical expenses, car repairs, or other urgent financial needs.

• Poor credit accepted: The platform offers financing to borrowers with all kinds of credit history.

Wizzay.com's Cons

• High and potentially hidden fees: Same as with the previous option, you may encounter hidden fees or unfavorable terms that are not clearly disclosed upfront.

• Your data might be shared with 3rd parties: Your data might be shared with 3rd parties that are not lenders. As a result you might start receiving spam marketing messages from different companies.

What are weekend payday loans?

Weekend payday loans are short-term loans designed to help you get cash quickly, even when banks are closed.

When surprise expenses or emergencies strike, weekend loans offer a way to access funds without waiting for banks to open on Monday.

Here are the main characteristics of weekend payday loans:

While weekend payday loans can provide quick financial relief, they also carry significant risks.

The high interest rates and short repayment terms can lead to a cycle of debt if borrowers are unable to repay the loan on time.

How do weekend payday loans work

Getting a weekend payday loan is usually a straightforward process.

Lenders have designed their systems to be quick and easy, knowing that people who need these loans are often in urgent situations.

While the exact process may vary between lenders, here's a general overview of what you can expect when applying for a weekend payday loan:

• You apply online or in-person at a lender that offers weekend services.

• The lender reviews your application quickly.

• If approved, you receive the money in your bank account or as cash.

• You repay the loan, plus fees and interest, on your next payday.

Requirements for a Weekend Loan Online

The requirements to get a weekend loan online can change slightly by lender and state, but generally include the following:

• Age: Applicants must be at least 18 years old.

• Residency: You must reside in the state where you are applying for the payday loan.

• Identification: A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is necessary.

• Contact Information: An active email address and a phone number for verification purposes are required.

• Income Verification: Proof of a steady source of income is needed. This can include employment, disability, retirement, or other forms of income. Typically, a recent pay stub or bank statement is requested.

• Bank Account: You must have an active bank account that has been open for at least one month. This account is used for the deposit of funds and repayment of the loan.

Application Process

The application process for a weekend payday loan usually can be completed online within minutes.

After submitting the application, you may receive an instant decision regarding your eligibility.

If approved, funds can often be deposited directly into your bank account or made available for pickup at a physical location, depending on the lender's policies and your preferences.

Pros and Cons of Weekend Payday Loans

Before you decide to get a weekend payday loan, it's important to understand both the benefits and the drawbacks.

Here's a clear breakdown:

Weekend Payday Loans Pros

• Rapid funding: When you need money fast, these loans can provide funds within hours, even on weekends. For example, if you apply by noon on Saturday, you could have money in your account by 5 PM.

• Easy application process: Most applications take just 5-10 minutes to complete. You'll typically need your ID, proof of income, and bank details.

• 24/7 availability: Apply anytime - whether it's 3 AM on Sunday or 2 PM on Saturday. Some lenders even offer round-the-clock customer support.

• Flexible credit requirements: Some lenders consider applicants with credit scores as low as 580. They often focus more on your current income than your credit history.

• No asset risks: Unlike title loans, you don't need to put your car or home at risk to get a weekend payday loan.

Weekend Payday Loans Cons

• High APRs: Interest rates can range from 200% to 500% APR. On a $500 loan, you could pay $75-$125 in interest and fees for a two-week term.

• Short repayment windows: Most loans are due in 14-30 days. This quick turnaround can be challenging if your next payday is more than two weeks away.

• Potential debt trap: About 80% of payday loans are rolled over or followed by another loan within 14 days. This can lead to mounting debt.

• Additional fees: Late payment fees can be $10-$30 or more. Some lenders also charge origination fees of 1-5% of the loan amounts.

• Credit reporting: While not all lenders report to credit bureaus, those that do may report late payments. This can lower your credit score by 40-80 points.

Remember, weekend payday loans are designed for short-term emergencies, not long-term financial solutions.

Always calculate the total cost of the loan and ensure you can repay it on time before borrowing.

Tips for Using Weekend Payday Loans Wisely

If you've decided a weekend payday loan is necessary for your situation, follow these tips to borrow responsibly:

• Borrow only what you need: Calculate your exact shortfall before applying. If your car repair costs $300, don't borrow $500 just because it's offered. Borrowing only the necessary amount reduces interest and fees, making repayment easier.

• Understand the total cost: Ask the lender for the APR (Annual Percentage Rate) and calculate all fees, including origination and potential late payment charges. For a $300 loan, you might pay $45 in fees over two weeks, equating to an APR of 391%.

• Plan your repayment: Mark the due date on your calendar and set up automatic payment if possible. If you know you'll owe $345 on your next payday, plan to cut back on non-essential expenses that week.

• Read the fine print: Carefully review all loan terms. Look for hidden fees, understand late payment consequences, and check for automatic renewal clauses.

• Consider alternatives first: Before taking a payday loan, explore other options. Ask your employer for a paycheck advance, which often comes interest-free. Some credit unions offer payday alternative loans (PALs) with APRs capped at 28%, significantly lower than typical payday loans. Even a high-interest credit card cash advance might be cheaper in the long run.

Alternatives to Weekend Payday Loans

Weekend payday loans might be costly and risky. Here are X alternatives to weekend payday loans we advise you to consider instead.

Credit Union Loans

Credit unions are not-for-profit organizations that offer loans to their members at competitive rates.

They often have flexible repayment options and may operate on weekends, making them a viable alternative for urgent financial needs.

Learn more about credit union loans here.

0% Interest Credit Cards

If you can manage your expenses with a credit card, consider applying for a 0% interest one.

These cards offer an interest-free period that allows you to spread out payments without incurring interest charges.

See credit card options here.

Personal Loans

Personal loans offer lower interest rates than payday loans and can be repaid over a longer term.

Many lenders offer personal loans tailored for individuals with varying credit scores.

See personal loans offers here.

Borrowing from Family or Friends

Approaching family or friends for a loan can be a low-cost alternative to payday loans.

However, it's best to agree on clear terms and repayment plans to avoid straining relationships.