2022’s Online Payday Loans | Top 5 Get Payday Loans Online of 2022 | Get Instant

When you are short on money, the only solution that can pop into your mind is to borrow a loan. But what if you are in a hurry and you can’t go through all that hassle of the traditional loan lenders and banks? Well, in that case, online payday loans are the only way out.

They are easily given, usually within just a day without any additional requirements. However, the only things you should watch out for are the astronomical interest rates and hidden terms that might get you into a more significant debt if you don’t repay them on time.

The most advantageous thing about payday loans is that there is no credit check, and all you need is a steady source of income and an active banking account. If everything works well, you’ll be able to acquire them one business day.

If you think they can do the job until you receive your next paycheck, then continue reading cause we will give you a list of the most reliable lending companies where you can get them.

Top 4 Online Payday Loans Companies

  • MoneyMutual – Well known company for online payday loans
  • BadCreditLoans – Your go to platform to get bad credit online payday loans instantly
  • CashUSA.com – Get online payday loans without hassle
  • PersonalLoans.com – Getting online payday loans made extremely easy

#1.MoneyMutual – Well Known Comapany for Online Payday Loans

MoneyMutual is one of the best online payday loans lending marketplace with the most extensive range of loan types that can cover all kinds of expenses when it comes to money emergencies. The most prominent feature of their service is their payday loans, providing consumers with fast and reliable financial support on their next paycheck.

MoneyMutual works as a networking site, linking potential borrowers with loan providers. They have 60 lenders on disposal that can help you resolve your money problems. The part of their service where they excel the most is the speed. Most of the time, the clients are able to get approved within one business day, having their loan accessible on their bank account.

With a decade of existence, the company has thousands of satisfied clients who praise the service for its reliability, transparency, and especially flexible terms and conditions. If you are in a hurry, MoneyMutual’s network is created to bring a straightforward way to obtain the necessary amount of cash, and every part of the process is done entirely online.

Company highlights

  • Basic eligibility requirements

MoneyMutual has standard eligibility criteria, meaning that you can apply for a loan as long as you are at least 18 years old and have a stable income. They don’t limit their service to clients with a great score; moreover, they state that bad credit applicants are welcomed and can get approval for the loan they need.

The platform’s application process can be done online, and it requires your personal information with a verifiable income of at least $800 per month and an active bank account. Once you complete the process, you will be connected with suitable lenders that will give you loan offers according to your necessities.

  • Fast loan process

At MoneyMutual, everything can be done at a glance. Once you get your loan offers, you are free to review them and compare their rates. If you decide to accept a loan offer, you will be redirected to the lender’s page, where you can finalize the rest of the application, like the funding and the repayment process.

After you finish the details, you’ll be able to access your money via deposit in as little as 24 hours. However, you are also free to cancel the application if none of the offers are suitable for you.

  • Industry-standard loan terms

MoneyMutual advertises payday loans of up to $2,500. This makes the platform a convenient choice for everyone looking to cover more significant expenses; however, they also offer smaller loans around $300 and $500.

You can expect an average of $15 to be added on top of every $100 for a standard payday loan. Aside from that, the average interest rates for lenders’ bad credit and payday loans hover between 200% and 1300%. The repayment period of this type of loan is between 2 to 4 weeks.

  • Free of charge service

This might sound surprising to you, but MoneyMutual won’t charge you for presenting you with a loan offer. The application is free, and any additional charges are individual by each lender. They collect fees from the lenders and not the borrowers.

MoneyMutual is a proud member of the Online Lenders Alliance, which is an association recognized for setting the best practices and standards for online lending business and monitoring the Internet for scam companies.


  • Free of cost service
  • Simple and easy application
  • Bad credit applicants might be accepted
  • Access loan offers within minutes or hours
  • Loans up to $2,500
  • Fast fund transfer
  • Customer assistance 24/7
  • Educational resources on finance management


  • Each lender has its own set of fees and additional charges

=> Click here to visit the official website of MoneyMutual

#2.BadCreditLoans – Your go to get bad credit online payday loans


If you have been denied a loan due to a poor credit score, BadCreditLoans is the right place for you. The company exists with the primary purpose of helping individuals with bad credit access the necessary amount of money in the fastest and easiest way possible.

Since many of the bad credit users have fallen into this kind of situation due to unexpected circumstances like a medical problem or credit crisis, the company started operating to offer financial support to those individuals who face such unpleasant situations.

So if you’ve been circling and got rejected from other loan lending marketplaces, BadCreditLoans is the place you can approach confidently. They have a fast application and approval process, and you can expect to get an answer almost immediately.

Company highlights

  • Fast application and loan access

The only requirements the platform will ask for are your personal information, income, and your credit score. However, the credit score isn’t the main factor that will determine your eligibility. They have an exceptionally user-friendly interface taking only 30 seconds to get your best offers.

The platform will examine your application and determine the rates you are eligible to get loan offers. Then you’ll receive the loan offers, where you will be able to view your existing pre-qualified rates. The best part is that you can compare alternatives and choose which one is ideal.

  • Convenient loan terms

Speaking about flexibility, BadCreditLoans has some of the most convenient loan terms since they work with highly reliable lenders. They offer clients a courtesy due date depending on their financial condition. You can choose to adjust the due date with mutual agreement and, if necessary, extend the deadline.

The payday loan amounts range from $500 to $10,000, which puts them high on the scale among its competitors for anyone that needs to cover bigger expenses. The loan APRs comes anywhere between 5.99% to 35.99%

  • Ultimate safety and privacy

BadCreditLoans is one of the safest money lending sites in the domain, using modern encryption technology to maintain the safety and security of the client’s personal information. They use the latest safeguard system that complies with the industry privacy requirements.

Also, the most important part is that they are especially dedicated to the discrepancy, meaning that all the details in the loan lending process are kept strongly between the loan lender and borrower.

  • Extensive educational system

BadCreditLoans is proud of having a tremendous educational section where you can find detailed information about managing your finances, improving your credit score, and avoiding loan scams.

Also, you can access a personal assistant that can give you financial advice and support on how to get better rates. The system is designed on an intuitive guide to lead you through the whole process, which is very practical for anyone that isn’t very familiar with how these services work.


  • Loan lending service dedicated to individuals with bad credit
  • Flexible loan terms
  • The fast and easy application process
  • Funds transfer within 24 hours
  • Educational resources and financing assistance
  • Free of charge service
  • Low APRs
  • Ultimate security measurements


  • Not a direct lender

=> Click here to visit the official website of BadCreditLoans

#3.CashUSA.com – Get online payday loans without hassle


CashUSA is a loan aggregator marketplace that connects borrowers with lenders. You can access all types of loans even if you have a bad credit score, there are people who will provide bad credit loans. The company collaborates with a wide range of reputable lenders that offer payday loans for unexpected medical bills, vacations, or other purchases. With over 17 years of experience in the industry, CashUSA has set the standard for what a reputable loan lending company represents.

The main advantage of CashUSA is that you can save a lot of time since they will connect you with a loan lender with just a simple click. You can obtain loan amounts from $500 to $10,000 with an APR ranging from 5.99% to 35.99%.

CashUSA excels in speed, convenience, and advantageous use for the most important part. Unlike some competitors, they provide loans for individuals of all backgrounds, which means all credit profiles are accepted. Since they aren’t a direct lender or a financier, the use of their services comes free of cost.

Company highlights

  • The fast and convenient loan process

Filling out the loan application at CashUSA is seamless; after you submit all the necessary information, you can expect the process to start within minutes. Their eligibility requirements demand that you be at least 18 years of age, have a monthly income of $1,000, and be a US citizen.

Once the application is made, you’ll be presented with customized loan offers. You can select the option that suits your needs the most, and you’ll be able to compare the rates between lenders. Since the lenders have different terms, you might receive the money transfer within the next 24 hours.

  • Relevant loan options

CashUSA is able to match your application with the most suitable loan and provides it according to your requirements. You aren’t required to put any collateral, which is an especially advantageous and safe way to obtain your desired amount of money and not get into bigger debts.

The platform allows you to set automatic repayments when the due date comes, so you won’t worry about missing it. The terms start from 3 months up to 72 months; however, you should keep in mind that payday loans require repayment in a much shorter period; otherwise, you’ll be charged with high late repayment charges.

  • Free of charge service

CashUSA won’t charge you anything for using their service; instead, they receive payments from lenders they collaborate with. Every lender sets their origination fees and other associate charges that you’ll receive upon the loan agreement.

The most prominent part of their work is their customer care attentiveness. You can contact them either via chat or phone, where you can get additional information about their service. However, you should know that you should contact your lender directly for any questions concerning your loan.

  • Top-notch security

CashUSA has implemented a high level of security regarding the use of their client’s personal information. They use the industry-standard 128-bit encryption protocol. With this in mind, the company is highly confident and safe.

They have a strict privacy policy about collecting their client’s data, with a detailed explanation about who they share it with and what it is used for. They are strictly dedicated to privacy, so their borrowers can rest assured they are entirely safe while working with them.


  • Quick and convenient application
  • Receive loan offers within minutes
  • Comprehensive loan terms
  • Operates in all 50 states
  • Loans for all credit profiles
  • Transparent terms
  • An extensive number of loan lenders
  • An attentive customer care team


  • Maximum loan amount of $10,000
  • Not a direct lender

=> Click here to visit the official website of CashUSA

#4.PersonalLoans.com – Getting online payday loans made extremely easy


PersonalLoans.com is one of the most trustworthy sources for borrowing loans offering a convenient and easy way for consumers to get payday loans whenever they find themselves in cash shortage. They offer loans for all types of purposes at very competitive rates.

The portal works on an intuitive configuration to connect borrowers with lenders that can offer loan amounts for their necessities. The platform’s main focus is the swift process that takes only a few minutes to be completed.

Since the service is free for use, you won’t be risking anything by filling out an application. A rare option that other providers tend to avoid and you can find at PersonalLoans.com is the low amounts, meaning you can get a loan of as little as $300.

Company highlights

  • Loan offers for all applicant categories

At PersonalLoans.com, you can find lenders that are willing to offer loans of up to $35,000, which isn’t usual with other money lending marketplaces to offer such high amounts of payday loans. They welcome applicants with all credit scores, including those with poor credit; however, smaller loans might be a more suitable option for you if you fall within this category.

Still, suppose it happens that you are not able to find a suitable loan offer. In that case, the platform will provide you with other useful services like debt consolidation, credit rehabilitation, or other financial services that can help you improve your chances of getting the loan you need.
  • Three step application process

Submitting a loan application at PersonalLoans.com is fast and simple. Making it more comprehensive for you, it comes in three steps. The form is entirely online, and all you need to do is provide your personal information, including your monthly income and active bank account.

The necessary information requires your banking, income, and personal details to allow the platform algorithm to match you with suitable offers. After receiving them, you’ll be able to access the repayment conditions and other factors to determine which option you find useful. Once you make the loan agreement, you can receive the money in one to five business days, depending on the lender.

  • Reasonable interest rates

The most advantageous feature of PersonalLoans.com is that they won’t charge you higher interest rates than the ones you agreed upon, even if the market rates rise. They come with reasonable numbers ranging from 5.99% to 35.99%.

The platform itself doesn’t have any role in the contract, which is exclusively determined between you and your lender. Also, the lenders PeronsalLoans.com collaborates with are open to negotiations to make it easier for you to get out of your financial trouble. Also, the duration of the loan is flexible, with a repayment option from three to 72 months.

  • Safe and reliable platform

The platform protects its client’s data using high-end SSL encryption technology. The information you provide is only shared with the lenders they collaborate with so they can offer you loans according to your conditions.

Using the PerosnalLoans.com services won’t cost you anything. The site doesn’t charge for their service; instead, they get payment from the lender.


  • Simple 3 step application
  • Fast approval process
  • Personalized loan offers
  • Wide array of loan lenders
  • Great for higher loan request
  • Free of charge
  • Flexible loan terms
  • Customer support


  • Not a direct lender
  • Requires a lot of personal information

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

How We Made the List?

We understand what facing financial struggles feels like; we’ve all been there; that’s why we created our article so you won’t have to search around to find good money lending places. While we made the selection, we created strong criteria in order to avoid those companies that looked suspicious. These were the priorities that we looked for in a company:

Simple application process

We know that the majority of the readers that will end up here won’t have much time at their disposal to wait for days and sometimes even weeks for their loan application to get approved. Since we are talking about payday loans, the first and most important thing is for the application process to be as easy and fast as it can be so you won’t have to waste any of your precious time.

In most cases, these companies transfer the loan to the borrower’s bank account within one business day. Also, we made sure they have basic requirements so that they will be a suitable option for a wider applicant range.

Same-day approval

Another vital factor when it comes to payday loans is speed. We understand that most individuals are looking for a fast solution for their expenses, so we picked those moneylenders with a track record of approving the loan within the same day as the application.

Reputation and flexibility

When it comes to anything concerning taking loans, no one wants to deal with a somewhat ambiguous source; that’s why we have selected the companies that have been working for years and have an array of satisfied customers.

The reputable companies are the ones that always offer the most flexible terms and conditions, which makes it easier for borrowers to qualify for a loan. We made sure that these loan marketplaces also accept applicants with poor credit scores.

It’s worth mentioning that these platforms are free of cost, which means that applicants won’t have to pay anything for being connected to lenders and using their services.

Loan repayment period

When it comes to obtaining a payday loan, most lenders require borrowers to repay the loan within a two-week period. However, many of them fail to do so and end up getting into more considerable debt than usual.

The companies we suggested, in some cases, offer a repayment period extension allowing users to prolong the repayment until it suits them. However, this option usually comes with higher interest rates which are usually unfavorable. On the other hand, some loan lenders go the extra mile to offer negotiations before the borrowers receive the money to accommodate their financial conditions.

Customer feedback

Even though this mind does not sound like a significant factor, it actually is. If you haven’t used money lending services, then you would need additional assistance to understand how they work.

We made sure that the platforms providing payday loans have customer consultants available at any time via chat or mobile that can help the customers with their application or if they have any questions about the loans.

Customer safety

A good money lending marketplace’s priority should always be its client’s safety. Online loan applications require sensitive personal information like home address, bank account, and social security number, which must remain secret and secure.

With that in mind, we have selected those platforms that are open about the security measurements they use and have a high level of super protection from approved companies like Norton AntiVirus.

Factors to Consider When Picking an Online Payday Loan Company

Finding a reliable platform that can connect you with payday loan lenders is tricky. You shouldn’t just trust the first source you find on a google search. In order to play it safe and make sure that you won’t end up scammed and without any money or some worse scenario, we suggest you consider these few factors.

Terms and conditions

Each lender comes with its own set of independent terms and conditions when it comes to its loan lending service. Even though they collaborate with the platform, they have the right to set their repayment schedule, interest rates, and other terms of the loan. Therefore, carefully read all the information they provide you before you accept the loan.

You should have access to the market’s interest rate, monthly repayments, and fees. Also, a reputable loan marketplace should allow you to cancel the application if you aren’t satisfied with the offers.

Customer privacy and security

Online loan lending platforms require the user’s personal and financial information to determine loan eligibility. With this in mind, reliable service should have strict privacy guidelines and an ultimate level of safety on the user’s data.

Before using the service, make sure they have encrypted data protection; check whether they have been prosecuted for stealing or selling user data. These sites should take extensive security measures to protect their client’s privacy fully.

Maximum and minimum loan amount

The loan amount you can get largely depends on many factors. Usually, payday loans go up to $500 since they are easy to get and the repayment period is shorter than other options. Also, such small loan amounts come with low-interest rates.

You should make sure that the amount of money you’ll be able to get suits your financial needs. You never want to take much more than needed and end up getting in bigger debt than you initially were.

Loan APR

The typical APR is between 5% and 8%. That’s the annual percentage rate of the loan you will pay yearly for taking the loan. It covers the registration and obligation fees, including the lender’s charges for providing you with the loan.

You should discuss the APR details with your lender before agreeing on the loan. If you don’t, you might ask to pay a lot more than you bargained for. Ensure to choose the offer that comes with the most favorable cost.

Frequently Asked Questions

How do online payday loans work?

As explained in the most basic way possible, online loans come in small amounts that can help you cover some emergency expenses until you receive your next paycheck. The average interest rate is about 391% for a 14-day loan, and usually, the maximum amount is around $500.

The most advantageous thing about them is they come without a credit check and are approved within one business day. They can be easily obtained as long as you have 18 years and a steady monthly income.

What makes payday loans different from personal loans?

We understand that somehow you can mistake these two, and they do come with some similarities. Both are unsecured, meaning that they don’t require collateral, unlike auto or mortgage loans. The main differences that can help you distinguish them are:

  • Different borrowing terms

Personal loans have a repayment term that varies between one to several years. In most cases, they shouldn’t be extended over this period of time. On the other hand, payday loans need to be repaid in a few weeks, mainly until you receive your next paycheck.

  • Larger amount

Payday loans are attainable in smaller amounts, usually around $500, while personal loans are suitable for higher expenses. You can get a personal loan of up to $5,000 or more.

  • Payment options

Personal loans are typically divided into monthly installments, and you can pay them over time by setting automatic repayments. Payday loans must be paid in full, so if your check bounces, you must roll the loan over to the next payday, which will accumulate additional fees.

  • High-interest rates

Most personal loans have much lower interest rates than payday loans. Usually, the interest rate depends on the lender. The amount you’ll be able to borrow is determined by the credit score you have.

Can I obtain a payday loan if I have a bad credit score?

Many payday lenders don’t rely upon the credit score; they know that borrowers applying for this kind of loan usually have a poor credit score. Instead, they look at other factors like regular monthly income and the relationship with other creditors if you have a history of working with them.

Since taking a payday loan doesn’t include a credit check, you won’t risk affecting your credit score and dropping even more. You can still take a loan with bad credit

Are there any risks of getting payday loans online?

Probably the biggest disadvantage of getting a payday loan is the high-interest rates. Many borrowers are unable to repay the loan within the two-week period, so they must borrow another round of fees which often sinks them deeper into debt.

Also, keep in mind that debt collectors pursue you in this situation, which will result in multiple overdraws of the additional charges.

How to know whether the online loan application is safe?

Whatever type of online application you might be doing, security is of crucial importance. So, the question is how to determine whether the application is secure.

  • Check the URL of the site

The easiest way to determine whether the online site is secure enough is to look for HTTPS rather than HTTPS. The HTTPS ensures that the shared data is safe, so the online businesses providing this type of service need to request strong, sensitive financial data. You should never submit personal information to sites that don’t start with HTTPS.

  • Check for a lock-in address bar

While the HTTPS indicates that the address is secure and the data you send will be encrypted, the lock means that the data will be properly protected from being stolen or given to third-party sources. If the site has a lock in the URL, then it’s safe for you to apply for a loan on their service.

  • Check whether the business is reputable

Some online money lending businesses don’t pay much attention to safety and other essential factors that determine their reputation. Before you provide your personal information at these sites, do some research and check whether the lender is reputable. Read taught online reviews and checked their ratings by the Better Business Bureau.

Additionally, you should check whether the provider has a physical address and contact information. It’s important to see whether they have a license and whether they operate legitimately.

  • Search for direct lenders

Most of the time, online payday loans are provided by direct lenders since they are able to manage every aspect of the online payday loan process on their own. Direct lenders give you an option to limit sharing of your data; with this in mind, you can rest assured that your information is kept safe internally.

What are the standard requirements for getting a payday loan online?

In most cases, the requirements depend on the platform; however, all of them will require you to provide the details about your employer, monthly salary, citizenship, and previous debts. In some cases, platforms also would want to know why you are applying for a loan and how you will spend it.

However, these requirements aren’t necessarily the ultimate way for them to determine whether you are eligible for a loan or not. In some cases, the lenders look for other types of income like pensions, tuition, etc.


Nowadays, getting a loan is an entirely hassle-free process, thanks to the Internet. You can fill out an application in a couple of minutes without waiting for days in the bank and dealing with tons of paperwork. Our article lists the top five top-tier companies for getting payday loans online ranging from $500 to $35,000.

Such money lending platforms are great, especially if you are in a hurry since they allow approvals within the same day. The companies we have listed won’t do a credit check, so you don’t have to worry about a low credit score.

You should decide if hunting for a good moneylender on your own is a better option, and if you do so, you can check our “Factors to Consider” section, where you can find some useful tips about what factors you need to pay special attention to when selecting one.

However, since we did that job on your behalf, you can confidently go with some of our options. You can also seek credit counseling. Sometimes the companies often provide installment loans for your benefit. Our recommendation would be MoneyMutual as one of the most reputable companies in the industry with long years of experience and satisfied clients.


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