I Need a Payday Loan Now
Welcome to Financer.com. If you find yourself in a financial pinch and need money now a payday loan might be what you need to get you through this tough season. Financer.com, has taken the heavy lifting and stress out of what could typically be a frustrating experience by providing you with a network of trusted payday lenders for you to choose from.
Each of the payday lenders we share only serves with the highest integrity, and typically have a very long and robust track record of successful lending to satisfied customers.
Simply, click “see all” above on our comparison list and begin exploring your options.
If in the chance you aren’t familiar with all the details of obtaining a payday loan, Financer has put together a comprehensive guide to explain everything you need to know about this subject.
You’re most likely the right candidate for this type of loan if:
- Bad Credit is an Issue
- You Require Fast Cash in as Little as 24 Hours
- You Have the Means to Make a Repayment in Full Within 1-2 Weeks
- You Don’t Require a Loan That Has a Repayment Plan
- You Only Need $1,000 or Less
Find a payday loan now using our tool above!
If you’re still looking for more thorough explanations on the best loan to suit your needs then, by all means, skim through our various other sections and guides around the site.
Online Payday Loans Might Help You Through the Rough Times
When you need cash quickly, traditional lending or financing solutions may not be the best option for your needs. In such situations, applying for payday loans can provide you with quick access to fast cash that you need.
Applying for payday loans online have their benefits. Find the best payday loans here
The one the stands out the most is you can apply for the loan the very second you click one of our affiliate links on this page!
- Scroll to the top of the page
- Compare our Payday Loan Lenders
- Read reviews
- Click on the company that suits your needs
- Fill out the online application
- Wait for confirmation
That means from the comfort of your own home you’re able to quickly, quietly, and with minimal effort get instantly approved for a loan from payday lenders and see the cash deposited into your checking account within a couple of business days!
Online payday loans process quite fast. In fact, most people can and will receive a response to their application within as little as 24 hours.
Online payday loans are a perfect fit for millions of Americans that experience some kind of short-term financial emergency and vitally need to put their mind at ease with direct lenders.
If you are experiencing a sudden financial emergency, a quick payday lending service with business oversight from the consumer financial protection bureau can help you get the support you need without ever having to stress over dodgy predatory lenders.
Financer.com wants to be your partner in this journey to help you avoid the debt trap and empower you into finding the personal loan/quick cash millions of Americans need.
Read more about the details of payday loans and use the payday loan comparison above to find the best offers.
Need A Payday Loan Fast
Payday loans can be a good option when you need cash quickly, many lenders pay out the same day or within one business day. If you need a short-term source of fast cash, payday loans can meet your financing needs.
Payday loans are good when you need a small amount of money generally under $3,000 within a day for unforeseen emergencies.
If you need more money then a personal loan may be a better alternative option. Generally personally loans offer lower fees and a longer repayment schedule.
This is often the case when someone needs enough cash to get by until they receive their next paycheck. Sometimes known as a cash advance loan or a payday advance, payday loans can give you the financial flexibility you need to meet your financial obligations without worry.
How to Qualify for A Payday Loan Online
In order to pre-qualify for a payday loan, you must be at least 18 years of age. Additionally, you may need to show that you are employed or that you have a regular source of income. The amount of money you are able to borrow is generally be based on your income.
There are no restrictions regarding how you choose to use the funds from your online payday loan. There could be many reasons why you need to borrow money in a hurry. Life can hit you in you unexpected ways and the need for urgent funds can often be unforeseen.
If you find yourself in a season of life where you need urgent funding it is important that you make sure you are borrowing responsibly.
Payday loans are not the cheapest way to borrow money. However, they do have their place as they can help those who need money now and those with bad credit.
As with any loan, you are expected to repay your payday loan upon the agreed upon date to avoid incurring penalties or extra fees.
Generally speaking, traditional payday loans mean paying the loan back in full and at once. However, some lenders allow partial payments/installment loans style approach but not to be confused with an actual installment loan as the overall amount borrowed will be higher if you choose a partial payment approach.
How Does My Credit Score Affect Payday Loans?
Generally, your credit score will not be a factor in determining whether you will be approved for a payday loan; this is one of the reasons that many people prefer taking out payday loans online versus borrowing through more traditional lending routes.
Even if you have bad credit or you have had credit problems in the past, bad credit payday loans may be still available. You could also still be approved for a payday loan if you have been turned down for a loan by banks in the past, which makes payday loans often a superior choice for those with bad credit opposed to using a credit card or credit unions.
You will receive the terms of your loan agreement, including the finance charge, prior to the loan being disbursed, allowing you to determine if the loan is right for your current needs and situation as avoiding a cycle of debt is crucial to your success as a responsible payday loan borrower.
How Do Payday Loans Work Online?
Payday loans online work similarly to those in store. The difference is your application is processed electronically. The benefit of online payday loans is that you do not have to go in store to apply and your application usually takes much less time than in person.
A payday loan is short-term in nature, and are typically due either on or near your next payday. This may vary based on your payday schedule, taking into consideration whether you are paid weekly, bi-weekly, or monthly.
Another key feature of payday loans online is that they are unsecured. This can be a tremendous benefit for many people who are not approved for a bank loan. There is no need to provide any type of collateral (anything of value that you own, such as the title to your vehicle) in order to be approved for a payday loan.
In loans that do require collateral, if you fail to repay your loan on time, you run the risk of having the collateral seized by the lender; with an unsecured loan, like a payday loan, there are no such concerns.
Payday Loan is a Flexible Loan
Since payday loans are short-term in nature, they are designed to assist with immediate, financial emergency needs. This might include:
- Avoiding bank overdraft fees
- Paying urgent bills
- Preventing checks from bouncing at the bank
- Getting by until payday
- Covering unexpected emergency bills
Since there are no restrictions regarding how the funds from an approved payday loan can be used, it is up to you as to how you decide to spend your loan funds. Borrowers will use funds for anything from making sure they can pay for their auto insurance to putting food on the table.
The key to this all is to understand that it is your responsibility to make sure you pay back your loan on time. If you don’t you may find yourself in a debt trap that is hard to get out of.
Payday loans can get you through tough times, but they should be used cautiously as they can cause you to stay in a debt cycle that is hard to break.
Fortunately, repaying your payday loan is also easy and convenient. At the time that you apply for your payday loan online, you will provide routing information for your bank account.
This not only allows the funds from your approved loan to deposit directly into your account, but it also makes it much easier for you to pay back your loan on time via electronic debit.
You will simply need to provide authorization for the payment to be withdrawn from your account on or by the specified due date.
What Do You Need For A Payday Loan?
In order to be approved when applying for payday loans online, you will need to provide the following information:
- Your full legal name
- A number where you can be reached
- Proof of a steady source of income
- An active checking account in your name
That’s all it takes! Most people are able to complete the application for an online payday loan within just a few minutes. Lending decisions are made promptly, ensuring you do not have to spend a lot of time wondering and worrying about your approval; if your loan is approved, you could have the funds deposited into your account within just a few hours.
Who Can I Trust Online for a Payday Loan?
Payday lending is expensive and should be considered only when there are no other alternatives. Finding the right payday loan lender can be tough. How do you know who to trust? At Financer.com we help you compare multiple payday lenders at once.
This way you can ensure you are paying the least amount of fees and interest possible. You can trust the lenders we provide at Financer.com, as they have stood the test of time when it comes to successful lending.
Get started above right now!
If you are facing a financial emergency or you need some quick money to help tide you over until you receive your next paycheck, applying for payday loans online can provide you with fast, convenient lending.
There is no reason to worry over finances any longer or incur unnecessary overdraft fees when you can apply online for the payday loan you need today and enjoy quick cash virtually immediately.
Just make sure to read your agreement and check out some reviews in order to get a good understanding of who you’re exactly doing business with!
If you are facing a financial emergency or you need some quick money to help tide you over until you receive your next paycheck, applying for payday loans online can provide you with the fast, convenient lending decision you need.
There is no reason to worry over finances any longer or incur unnecessary overdraft fees when you can apply online for the payday loan you need today.