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Getting Easy Payday Loans Online

Payday loans are short-term cash loans that you take out to pay off emergency bills like medical expenses or car repairs. These loans are easy to get, quickly approved, and don’t have a long list of requirements.

When you search for easy approval payday loans online, you will find a lot of lending institutions offering quick and easy payday loans. While these websites may seem identical at first sight, the way they operate is very different.

Who Should I Apply With To Get a Payday Loan Easily?

There are different types of lending companies on the market at the moment:

  • Direct payday loan lenders
  • Matching services
  • State regulated lenders
  • Offshore lenders
  • Tribal lenders
  • Credit access businesses (CABs)

Since the first two are the most common, here’s what you might expect when you apply with them.

Direct Payday Loan Lenders

When you apply for a cash advance from a direct lender, this basically means that the company you apply with and the company that will lend you the money and service your loan is the same company. No brokers or intermediaries whatsoever.

However, when you apply for easy approval online payday loans from direct lenders, you may not always be able to get your cash in a timely manner. If you have bad credit or no credit history at all, the lender you apply with directly might turn down your application and you will have to find another lender and apply with them. Depending on your credit score, you might not be able to get a loan at all.

That’s when matching services may prove useful.

Matching Services

A matching service is a company that has direct access to many direct lenders, sometimes up to a hundred or more. When you request a loan from a matching service, they take your payday loan application and send it to one of the direct lenders they work with. If that lender turns down your application, the matching service will send your application information to every loan lender they work with, one by one, until they find a lender who is willing to approve your loan request.

That means when you apply with a matching service, your chances of getting a loan are much higher than they would be with a direct lender.

At PaydaySeek we work with 100+ direct lenders that provide easy-to-get payday loans online, which makes it possible for us to get you a loan even if you have sub-par credit.

So if you’re looking for easy payday loans from direct lenders specifically, you could apply with either a direct lender yourself or request a loan from a matching service. Either way, the company servicing your loan will be a direct lender.

What Does The Application Process Look Like?

If you choose to seek easy online payday loans via PaydaySeek, here’s what the application process will look like:

  • You fill in the loan request form on our website
  • When we manage to find a lender for you, we will redirect you to their website where you will find the terms and conditions they propose. This includes the APR and other fees.
  • If you approve of the loan terms,  you e-sign the agreement.
  • After you sign the agreement, the lender will send an ACH transfer to your checking account.

Some of the lenders we work with provide fast and easy payday loans with same-day deposits. But in order to get the money the same day you request a loan, you need to be approved before the cut-off time, which is usually before 10:30 am. The exact time may vary across lenders.

If you’ve missed the cut-off time or the lender we’ve matched you with doesn’t provide a same-day deposit, you can expect to get your cash in your bank account the next business day.

What Do I Need to Qualify For a Payday Loan?

Whoever you decide to apply with, the payday loan requirements are always the same:

  • You must be a US citizen and reside in a state that allows payday lending.
  • You must be at least 18 years old. In some states like Alabama or Nebraska, you’re required to be 19 years of age or older.
  • You must have an active checking account.
  • You must provide your contact information, including email address and phone number.
  • You must have a current source of income.

In rare cases, the payday loan lender we match you with may require you to provide additional information upon being approved. This could include proof of identity and/or income (like a recent paycheck stub or a bank statement).

However, most of the time the lender we match you with will not require anything else from you besides what you’ve already provided in your online application. That means no additional paperwork. No faxing or emailing documents whatsoever.

Will I Still Get A Payday Loan Easily If I Have Bad Credit?

When a person has a bad credit score, this is usually in reference to their credit history with national credit bureaus like TransUnion, Equifax, or Experian. If you are looking for easy approval payday loans for people with bad credit, there’s some good news for you. Payday loan lenders rarely rely on credit reports from the traditional credit bureaus, nor do they report your payday loans to them.

However, most of the time when you apply for easy payday loans online, the lender will perform a soft credit check on you, which means they will get your credit score and some other basic information. Unlike hard credit checks, a soft credit pull will not affect your FICO score or show up on your credit history.

At PaydaySeek we work with a hundred+ direct lenders who provide easy payday loans with no hard credit check. Many lenders do run soft credit checks, but they rarely make loan decisions based on that information. It is your repayment ability and current source of income that matter.

Fill in a Simple Application Form and Get a Decision Almost Instantly!

Fill in the application form on our website and get an instant decision. If you get approved, most of the time you will receive the loan amount you requested the next business day. In some cases, you may be eligible for same-day funding if you’re approved early.

However, if you’re facing an emergency and need cash fast, consider applying at the nearest payday loan store. In that case, you can expect to get your funds in under an hour.

Fill out a short form and get a decision almost instantly
One of the great things about getting a payday loan is that you can apply online in just a few minutes. No more looking for the nearest payday loan shop or waiting in line. Some lenders may be willing to work with you even if you have a less-than-perfect credit score. So fill out our short form and get redirected to a lender almost immediately if approved.