Loan finder services such as Viva Payday Loans provide borrowers with quick access to lenders offering the best online payday loans. With so many online payday loan providers around, it can be challenging to select the right one. This article introduces the five best direct online payday loan finders on the market, putting you in direct contact with lenders.
Best online payday loans 2022 – a quick overview
What are the best online payday loans? See our top 5 below:
- Viva Payday Loans – Best payday loans for quick payments
- Heart Paydays – Best for no denial payday loans direct lenders only
- Credit Clock – Best online payday loans with a quick approval process
- Money Lender Squad – Best for $255 payday loans online same day
- Very Merry Loans – Best payday loans online same day deposit
Best online payday loans general eligibility criteria
Borrowers need to meet the following criteria to obtain online payday loans.
- Must be 18-years or older
- Must hold US residency
- Must earn a minimum of $1,000 per month
- Must pass affordability checks
- Must have a US bank account
If you have a bad credit score, you can still request the best online payday loans via Viva Payday Loans if you meet the above criteria. While none of the loan-finder sites will directly carry out credit checks on your name, the lenders offering finance might do so.
Five best online payday loans: same day deposit for bad credit
1. Viva Payday Loans – Best payday loans for quick payments
Viva Payday Loans is known for its fast turnaround time, providing access to lenders that offer the best payday loans online in the shortest time possible. To be a successful applicant, you must meet the above loan criteria and pass the affordability checks. Once the loan is approved, funds are paid to the borrower within an hour. Interest rates range from 5.99% to 35.99%, depending on the lender.
- Repayment terms from 2-24 months
- Loan values up to $5,000
- Fast payments within 60-minutes of loan approval
- High-interest rates up to 35.99%
Click here to Request Funds at Viva Payday Loans >
2. Heart Paydays – Best for no denial payday loans direct lenders only
Borrowers with poor FICO scores or no credit history can apply for the best online payday loans for bad credit via the Heart Paydays portal and still stand a chance of getting the cash they need if they’re currently in an excellent financial position. When using this loan finder service, borrowers are attempted to be linked with no denial payday loans direct lenders only who are most likely to view their financial circumstances favourably. Loan amounts range between $100 to $5,000 with APRs of 5.99% to 35.99% and 2-24 months to pay.
- Simple eligibility requirements
- Almost instant request feedback within 2 minutes
- Flexible repayment terms
3. Credit Clock – Best online payday loans for a quick approval process
When best online payday loans are required in a hurry, time seems to rush by without giving you a second to catch your breath. This is where Credit Clock comes to the rescue with lenders that offer speedy approval processes and even faster payouts.
Credit Clock connects borrowers and lenders with the simple click of a button. Lenders via Credit Clock offer borrowers affordable loan amounts of $100-$5,000 for 2-24 months. Interest rates range from 5.99% to 35.99%, which may seem high but possibly worth the convenience, quick loan approval, and fast payouts. Check whether you meet the loan criteria above and request today!
- Fast Payments
- The easy online application process
- Affordable loans
- Interest rates up to 35.99%
4. Money Lender Squad – Best for $255 payday loans online same day
Money Lender Squad provides borrowers with direct access to lenders without the usual fuss of traditional financial institutions. Their loan finder service assists borrowers with applying for the best direct online payday loans online with a single application.
The process is simple and requires borrowers to input their details, choose their loan amount and repayment period, and the best payday loans online pop up in mere minutes. Online payday loans via lenders on the Money Lender Squad portal range from $100-$5000 with APRs of 5.99% to 35.99% and 2-24 months to pay!
- The fast online application process
- Offers $255 payday loans online same day deposit
- Loan amounts of up to $5,000
- Not all applications are guaranteed approval
5. Very Merry Loans – Best payday loans online same day deposit
If you don’t need a large loan, the best online payday loans are available via the Very Merry Loans portal lenders. Loan amounts are kept small to keep them affordable, and APRs typically range from 5.99% to 35.99%. In addition, lenders on the Very Merry Loans platform are known for paying out on the same day as the loan approval giving borrowers access to seemingly instant cash. If you meet the general loan criteria mentioned above, you can easily apply for some of the best payday loans online via lenders on the Very Merry Loans platform.
- Same day payments
- Flexible loan terms
- Quick 2-minute online application
- Loan amounts capped at $2,000
Best payday loans online same day features and factors to consider
Most online payday loans via lenders based in the US are subject to a credit check by law. No credit checks instant approval. However, if you have a poor FICO score but your financial situation has improved, you can still apply online for the best payday loans.
Affordability is key when applying for the best online payday loans. When processing your application, lenders will conduct an affordability check like comparing your bank account to expenses and paystubs.
Your loan agreement will state the penalties and fees relating to your loans. Therefore, it’s best to familiarize yourself with the loan agreement terms to avoid paying early or late repayments fees.
Online payday loans are an excellent form of finance for those in need of funds in a hurry. They provide the flexibility you need between now and your next payday should you find yourself in a financial jam.
Which best payday loans are the easiest to get on the same day?
Online payday loans are fast, simple, and convenient. First, borrowers complete an easy online application that connects them to a panel of lenders. From there, lenders assess the borrower’s affordability, and if they can afford the loan, the funds are typically paid on the same day.
What’s the highest payday loan to get?
Online payday loan lenders offer loan amounts of between $100 and $5,000. Depending on the lender, APRs can range from 5.99% to 35.99% with the providers mentioned above. However, most lenders offer flexible repayment terms from 2-12 months or 2-24 months.
What are the best online payday loans?
Borrowers asking what are the best online payday loans can use a range of loan-finding platforms such as Viva Payday Loans to source the best loan for them. Loan finding services connect the borrower with a large panel of lenders simultaneously. This means they are more likely to secure a loan because multiple lenders have assessed their applications.
Disclaimer – The above content is non-editorial, and Economic Times hereby disclaims any and all warranties, expressed or implied, relating to it, and does not guarantee, vouch for or necessarily endorse any of the content. The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only.