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Your Primer for a Payday Loan

A payday loan is one of the easiest loans to apply for and is suitable to meet most people’s need for emergency funds.  When you are living from paycheck to paycheck, it’s easy to find yourself without the required funds to handle an unexpected bill, such as a car repair, medical deductible, or plumbing problem. In such a case, a payday loan can be your salvation by providing a quick cash advance directly into your bank account to tide you over until your next paycheck.

What is a Payday Loan?

Payday loans are cash loans that are best understood as an advance on your paycheck. These loans are small amounts — between $100 to $1,500 — and generally have a short repayment term of between two weeks to one month.

You can opt to take out a payday loan when your salary runs short and you need just a little more money to make ends meet. This cash loan will cover your expenses until your next paycheck arrives. However, most payday loan lenders charge a higher rate of interest to cover the greater risk they incur for providing cash loans.

Does Your Site Lend Me the Money? is not a lender; rather, we connect you with a vast network of reputable lenders who compete to offer you the best possible payday loan. Taking advantage of our site to find the best payday loans online will help you save time and money over opting to search for payday loan providers on your own. After all, it can be a time-consuming process to shop for cash loan providers at dozens of lender sites — or by driving around town to storefront payday loan operations — only to fill out forms and give out your personal information repeatedly.

Am I Eligible for a Payday Loan?

At, just about anyone with steady employment is eligible for payday loans. We’ve helped millions of people just like you to get urgently needed funds. To be approved for a cash advance loan, most of our lenders require you only to:

  • Be 18 years of age or older.
  • Be a citizen or permanent resident of the United States.
  • Be employed for at least 90 days consecutively.
  • Have a checking account in your name.
  • Possess a valid phone number.
  • Possess a valid email address.

How Do I Apply For a Payday Loan?

Most lenders in the US offering payday loans require you to fill in a page-long application form. At, you only complete a brief online application to be provided with a list of trustworthy lenders. In some cases, you will not need to fax any paperwork to your lender and can get your cash loan deposited to your bank account the same day. Once you’ve dealt successfully with a lender, you will receive expedited processing on any future payday loans.

If you have questions about your lender, you can check them out at the Better Business Bureau or the Consumer Financial Protection Bureau. Once you have agreed to your lender’s terms, they will deposit your loan funds directly into your bank account.