Payday loans online: one request, many lenders
Need $100 to $1,000 before your next payday? Send one free request and see whether a lender in our network can make you an offer.
- Free to request. You don’t have to accept an offer.
- Jobs, benefits and self-employment can all count as income.
- The lender shows the APR and total cost before you sign anything.
- If approved, money can arrive as soon as the next business day.
We’re not a lender. Requests go to lenders in our network.
Request your loan
Takes about 5 minutes. Have your ID, income details and bank account information ready.
Submitting a request does not guarantee an offer. Your information is shared with lenders in the network so they can review it. See our rates & fees and privacy policy.
Free to requestNo fee, no obligation to accept
Costs shown upfrontAPR and total cost before you sign
Many income typesJobs, benefits and self-employment
8,700+ free guidesChecked against official sources
How it works
Three steps, and you stay in control at each one.
Send one request
Fill in the secure form with your loan amount, income and bank details.
Get matched
Your request is shown to lenders in our network. If one can lend to you, you'll see its offer.
Review, then decide
Read the APR, fees and due date. Only accept if you can repay on time. If you accept, the lender sends the money.
What a payday loan costs
Short-term loans are expensive. Here is a representative example so you know what to expect before you borrow:
| Amount borrowed | $300 |
|---|---|
| Loan term | 14 days |
| Fee | $45 |
| Total to repay | $345 |
| APR | about 391% |
Actual rates, fees and terms are set by the lender and depend on your state. Calculate your own cost.
Before you borrow
These cost less than a payday loan. Check whether one fits first:
Payday alternative loans
$200–$2,000 at no more than 28% APR from federal credit unions.
On benefits?Direct Express & SSA emergency options
Lost card, late payment or empty balance: free options come first.
Bank with Chime?MyPay and SpotMe
Early pay and fee-free overdraft from your own account.
Who can send a request
Each lender sets its own rules, but most ask that you:
- Are at least 18 and a U.S. resident
- Have a regular source of income (jobs and benefits both count)
- Have an active checking account, or a prepaid account that accepts deposits
- Have a valid ID, phone number and email address
Payday loans are meant for short-term needs, not long-term money problems. If you can't repay on the due date, rollover fees can add up quickly. Active-duty service members and their dependents are protected by the Military Lending Act's 36% APR cap.
Popular guides
Plain-English answers, checked against official sources.
Emergency Cash Immediately: 12 Legit Ways to Get Money Today
Need emergency cash now? 12 legitimate ways to get money today, from options that need no loan or credit check to same-day loans, ranked by cost and speed.
Read guide 6 min readGuidesEmergency Same-Day Cash Loans: How to Get Funded Today
How emergency same-day loans work, which types can fund today, what you need to apply, what they cost, and how to raise your chances of same-day money.
Read guide 3 min readBenefits & Direct ExpressDirect Express Emergency Cash: How to Get Your Money Without Your Card
Lost your Direct Express card? Learn how to get to your benefit money before the replacement arrives, what it costs, and what to do if your balance is empty.
Read guide 5 min readAccepted accountsPayday Loans & Cash Advances That Accept Chime
Which loans and cash advance apps work with a Chime account, why some lenders decline Chime, how to improve approval odds, and what Chime’s own MyPay and SpotMe offer.
Read guide 3 min readGuidesPayday Alternative Loans (PALs): The Credit Union Option
Payday alternative loans from federal credit unions cap interest at 28% APR. Learn the PAL I and PAL II rules, how to apply and how they compare with payday loans.
Read guide 2 min readBenefits & Direct ExpressSSI & Social Security Payment Schedule 2026–2027
Every SSI and Social Security (SSDI, retirement) payment date from October 2026 through December 2027, including the months when SSI arrives early.
Read guide 3 min readPayday loan rules in your state
Payday loans are legal in 27 states. Check the limits, typical costs and cheaper options where you live.
- ALAlabama456% typical APR
- AKAlaska424% typical APR
- CACalifornia460% typical APR
- DEDelaware639% typical APR
- FLFlorida293% typical APR
- IDIdaho475% typical APR
- INIndiana372% typical APR
- IAIowa247% typical APR
- KSKansas391% typical APR
- KYKentucky450% typical APR
- LALouisiana410% typical APR
- MEMaine228% typical APR
- MIMichigan356% typical APR
- MSMississippi572% typical APR
- MOMissouri652% typical APR
- NVNevada548% typical APR
- NDNorth Dakota521% typical APR
- OKOklahoma424% typical APR
- OROregon140% typical APR
- RIRhode Island261% typical APR
- SCSouth Carolina391% typical APR
- TNTennessee460% typical APR
- TXTexas662% typical APR
- UTUtah543% typical APR
- WAWashington391% typical APR
- WIWisconsin537% typical APR
- WYWyoming316% typical APR
Free calculators
Payday loan cost & APR calculator
Turn any lender fee into a true APR and total cost.
ToolInstallment & personal loan calculator
Monthly payment, total interest and total repaid.
Browse by loan type
- No Credit Check Payday Loans
- Instant Cash Advance Online
- Loans Until Payday
- Payday Installment Loans for Bad Credit
- Instant $100 Cash Advance
- $255 Payday Loans Online
- $500 Payday Loan & $500 Cash Advance
- $1,000 Payday Loan
- Weekend Payday Loans
- Payday Loans by Phone
- Payday Loans & Cash Advances for Self-Employed People
- Emergency Cash & Payday Loans for the Unemployed
- Military Payday Loans
- Banks That Offer Personal Loans (and Which Big Banks Don’t)
- Bank Small-Dollar Loans
- Chase Personal Loans
- Bank of America Personal Loans
- Capital One Personal Loans
- Wells Fargo Personal Loans, Flex Loan & Early Pay Day
- TD Fit Loan
- Overdraft Fees by Bank
- Personal Loans With No Credit Check
- Payday Loans & Cash Advances That Accept Chime
- Netspend Loans & Cash Advances
- Payday Loans That Accept Prepaid Debit Cards
- Loans & Cash Advances That Work With Cash App
- Payday Loans & Cash Advances That Accept Varo
- Cash Advance & Payday Loans Without Direct Deposit
- Same Day Loans
- Payday Advance
- Fast Loans
- Payday Loans Online From a Direct Lender
- Instant Payday Loans
- Same Day Cash Advance
Frequently asked questions
Is PaydayEase a lender?
No. PaydayEase is a free referral service and information site. Your request is sent to lenders and lending partners in our network, and the lender decides whether to make you an offer and on what terms.
How much can I request?
Requests usually range from $100 to $1,000. The amount a lender offers depends on your income, your state’s laws and the lender’s own rules.
Can I request a loan with bad credit?
Yes, you can still submit a request. Many short-term lenders focus on income rather than credit scores, though most still run some kind of credit or identity check.
Do Social Security or disability benefits count as income?
Many lenders accept benefits as income. You will usually need a bank account or a prepaid account that accepts deposits. Read our guide to loans for SSI and SSDI recipients before you borrow.
How fast could I get the money?
If a lender approves you and you accept, funds are often sent by ACH and can arrive as soon as the next business day. Timing depends on the lender and your bank.
Are payday loans available in every state?
No. Some states ban payday loans or cap rates so low that payday lenders do not operate there. Lenders only make offers where they are licensed. See our state-by-state guide.