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Join more than 1 million Americans each year with ineedpayday.com, Largest Financial Service Provider for Americans.


Payday Loans From iNeedPayday

ineedPayday is a highly experienced online platform to find reliable payday loan matching services from direct lenders in the USA. Here we work hard to find the best loan amount deal for you by comparing hundreds of lenders with small loans up to $50,000. We work with over 100 direct payday lenders in the United States. Because we are not the lender and do not broker the loan.

We have a wealth of experience in helping our clients resolve critical financial situations. iNeedPayday is always ready to do everything possible to help you control your tough times and unnecessary financial expenses. Also, you get customized repayment tenure as well as repayment capacity as per your monthly budget with our lender. In the end your trust wins.

How Does The Process Work? Only 4 Steps, Nothing More

Our payday loan service stands out when we offer our borrowers a wide range of unparalleled benefits.


Get what you need


Quick & easy


No ongoing fees


Credit score safe


Now that you know how we work. Let us find you a lender.

Our Offerings

We help millions of people find the right Loan. Choose a category

  • Personal-Loan

    Personal Loan

  • Unemployed-Loans-icon

    Unemployed Loans

  • No-Upfront-Fee-Loans

    No Upfront Fee Loans

  • Medical-Loan

    Medical Loan

  • Wedding-Loan

    Wedding Loan

  • Special-Occasions

    Special Occasions

  • Student-Loans

    Student Loans

  • Tenant-Loans

    Tenant Loans

  • Title-Loans

    Title Loans

  • Home-Improvement-Loan

    Home Improvement

  • Weekend-Loans

    Weekend Loans

  • Debt-Consolidation

    Debt Consolidation

  • Car-Repair-Loans

    Car Repair Loans

  • Credit-Card-Refinancing

    Credit Card Refinancing

  • Other-Loans

    Other Loans

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Why Do People Choose iNeedpayday?

iNeedpayday allows you to get a payday loan and quick loan decisions with instant cash options. It raises finances faster than any other method which provides you with helpful financial solutions for various situations. However, getting a loan is a very costly method. But helps pay off your temporary cash-flow problem without compromising your credit score.

  • Instant money without any upfront charges.
  • Quick money without faxing many papers.
  • Amount up to $5000 with convenient repayment.
  • Customer satisfaction is important to us.
  • Extended payment plan (EPP)
  • Consolidate your debts
  • Boost your credit history
  • Helpful to deal with any emergency with complete ease.
  • Formality free lending process without pledging any asset.
  • Ineedpayday does not restrict borrowers while using payday loans.
  • When everyone says no. When we say yes because we are here for you.
  • We provide loan assistance in just 5 minutes when you need it the most.
  • The 24/7 money approval application is simple, convenient and quick.
  • Allow easy lump sum repayment without unnecessary fees and upfront charges.
  • Enjoy the freedom to pay any uncertain or unpaid bills or expenses without any delay.
  • Borrowers with low or imperfect credit scores can also enjoy faster loan approval.
  • The information you provide will be protected and protected under high-standard security procedures.
  • No credit check online loan can be approved by borrowers who are adults, have a fixed income and have a valid bank account.
  • By using online no credit check lending, you will be able to get financial assistance with the click of a mouse.

What Are Payday Loans?

Payday loan is a short-term financing solution available with high interest. That is usually payable on your next paycheck. The availability of the loan amount depends on your state. These loans help you access online cash advances with instant decisions up to $5000 to cover your financial problems.

If you want to take loan. Online Instant Payday Loans from iNeedPayday can help you get guaranteed approval. Quick application. Fast answer. Accessible to people with bad credit score. Instant approval on the same day. Reliable direct lender near me. Apply online now.

How Do Payday Loans Work?


Quick Approval & Payout

Fill out our one-page online application form in just a few clicks and you will be in touch with lenders in no time. Which will accept your loan application at the conclusion of the verification process. Once your loan is approved, the money is credited to your bank account within a day.


Any Credit Is Welcome

Most of the time lenders check your credit score before approval. But here the our direct payday lender can approve your loan applications without a credit check.


Flexible Repayment Plan

Are you looking to repay the loan amount as per your monthly budget? But a traditional lender has its own repayment norms which are difficult for everyone to follow as they create problems for your lifestyle. But here our payday lenders offer you a chance to choose flexible repayment options (costs and fees) that are best for you.


Direct Lenders

iNeedPayday match your loan application with direct lenders near me to get the cash advance quickly! There are no other brokers or third party involved. we don't charged any fees for matching lender service. We just help you to get the needed payday loan easily.


What Are The Qualification Requirements?

  • Proof of steady income
  • Must have a social security number
  • Citizen must be 18 years of age or older
  • Should have a valid government-issued id
  • Valid email address, bank account, and phone number
  • No military qualify for small payday loans online.

Follow the Ways to Get a Loan Despite Low Credit Score

Apply for ensured endorsement no credit really take a look at advance subsequent to going through the subtleties and by following the beneath referenced strides to get cash move in financial balance instantly.

  • Check your Credit Score First: from the get go, check your financial assessment prior to applying for the advance. According to the standard, all individuals are qualified for get one free credit report each month to really look at the appraisals in full view and afterward choose to apply for this advance.

  • Should Repay the Loan on Time: Make sure the way that you are prepared to meet the preconditions of paying nearly higher financing costs when contrasted with customary advances. Likewise, assess your home spending plan and funds to make reimbursement well on schedule.

  • Analyze Loan: Better to research and contrast a few terrible acknowledge credit offers for take a ultimate choice and apply for the one.

  • Exploit Prequalification: Some of the main moneylenders like us offer the component of prequalification to check whether or not you meet all requirements for this advance.

  • Accumulate Financial Papers: When applying for no credit really look at advance, get everything rolling with social occasion every one of the asked records in an appropriate organization.

  • On the off chance that Possible, Add a Co-Signer: To expand your odds of getting moment advance endorsement, add a co-underwriter who should have a decent FICO assessment in your profile.

  • Analyze Interest Rate: Take your opportunity to audit the premium charges of various banks in your area. One which is presenting at less loan fee alongside complete data referenced, then, at that point, just apply for something very similar.

  • Set your Budget: Keep a nearby perspective on your month to month uses and a tad of saving at the month-end, prior to applying for this advance. There is no real reason for debilitating your paycheque even after the advance. You want to have some arrangement in readiness prior to applying for a no credit really take a look at advance.


Am I eligible for a payday loan with an alternate income?

Undoubtedly yes, you are eligible for a payday loan with an alternate source of income. However, if you are unemployed and your other source of income is sufficient to prove that you can repay your payday loan amount. Later, our lender can verify your source of income. You can apply and qualify for payday loans that accept government benefits.

Accordingly, the lender may accept the following alternative sources of income:

  • Government Annuity
  • Housing Income
  • Pension Fund
  • Social Security Income
  • Disability Income
  • Unemployment Benefits
  • Retirement Benefits

Difference Between Direct Lenders & Indirect Lenders

We are telling you about the benefits of applying for an instant payday loan directly from the payday lender right from the very beginning. But what about the indirect lender? To understand this, let us know the difference between the two.


Indirect lenders always have the interest of many different lenders. They act as an intermediary between you as a borrower and lender. Commonly, they charge higher interest rates and low offered amounts as compared to direct loan lenders. Here, your creditworthiness will be given high priority before sending the approval


Direct lenders offer low-interest rate loans offer with a better payment plan, no documentation, less pressure, and no complication involved. They even allow bad credit holders to apply for a payday loan based on their urgent need for cash instead of looking at their bad credit ratings.


Working Conditions of Payday Loans in the USA

There is a lot of complex information available on the internet to understand the working process of payday loans with No credit check. Here we are telling you an easy way to understand it. Payday loan is a small cash loan for salaried individuals. For this who can apply for his next salary.

Now, what the borrowers have to do is either have a post-dated check in favor of the lender or write an amount equal to the loan amount. On the other hand, a borrower can allow the lender to automatically debit the loan amount from his bank account on the due date.

No matter what the stipulation, you allow the lender to get back the amount owed without paying after that. Another important condition to follow is getting ready to pay late payment fees. If he is not able to repay the loan on time. This condition looks simple but takes a toll on the budget of the borrowers. Where they have to pay more than they borrowed.

As far as the range of interest is concerned. It varies from state to state in the United States. Which we will see in the next section. However, on average, there are interest rate charges of $10 to $30 per $100 borrowed directly from the lender.

State-Wise Regulations of Payday Loans

One of the important considerations of payday loans is no credit check instant approval, different rates of interest, tenure and loan amount. These all vary from state to state in the United States, you'll find them in the following table.

State Financial Charges Maximum Loan Amount Loan Tenure
Payday Loans Alabama Not exceeding 17.5% $500 10 to 31 days
Payday Loans Arizona Payday loans not legal here
Payday Loans California 15% of the face value of the check $300 Up to 30 days
Payday Loans Colorado Not exceeding 20% of the first $300. Addition of 7.5% for any amount in excess of that $500 Minimum of 6 months
Payday Loans Connecticut Payday loans not legal here
Payday Loans Delaware No limit $1000 Less than 60 days
Payday Loans Georgia Payday loans not legal here
Payday Loans Hawaii Not exceeding 15% of the face value of the check $600 No restrictions
Payday Loans Idaho No restrictions 25% of the borrowers gross monthly income or $1000 whichever is less Maximum of 37 months for loans over $300 and maximum of 25 months for loans less than $300
Payday Loans Illinois Not more than $15.50 for every $100 borrowed 25% of the borrowers gross monthly income or $1000 whichever is less Minimum of 13 days
Payday Loans Iowa Not more than $15 for the first $100 borrowed and $10 for each subsequent of $100 borrowed $500 Maximum of 31 days
Payday Loans Kentucky Not more than $15 for every $100 borrowed $500 Maximum of 60 days
Payday Loans Louisiana Not more than 16.75% $350 Maximum of 30 days
Payday Loans Maryland The state allows small loans subject to interest rate caps
Payday Loans Missouri 75% $500 14 to 31 days
Payday Loans Massachusetts Small loans are not prohibited
Payday Loans Michigan No more than 15% for first $100 borrowed; 14% for second $100 borrowed; 13% for third $100 borrowed; 12% for fourth $100 borrowed; and 11% for fifth $100 borrowed $350 Maximum of 30 days
Payday Loans Minnesota No more than $5.50 for loans less than $50; $5 fee + 10% for loans between $50 and $100; 7% (minimum of $10) plus $5 fee for loans between $101 and $250; 6% (minimum of $17.50) plus $5 fee for loans more than $250 $350 Maximum of 30 days
Payday Loans Mississippi No more than $20 per $100 for loans less than $250; no more than $21.95 for loans between $250 and $500 $500 30 days
Payday Loans Montana Not more than 36% $300 Maximum of 34 days
Payday Loans Nebraska Maximum of $15 per $100 borrowed $500 Maximum of 34 days
Payday Loans Nevada No restrictions 25% of the gross monthly income 35 days
Payday Loans New Hampshire Not more than 36% $500 7 to 30 days
Payday Loans New Jersey Payday loans not legal here
Payday Loans New Mexico While payday loans are not legal in this state, be careful when looking at your small loan options. New Mexico allows lenders to charge interest of up to 175% on small loans.
Payday Loans New York Payday loans not legal here

How Do Financial Charges Of Payday Loan Calculator?

The financing fees for payday loans in the United States vary from state to state. Still, to give you an idea. To understand this better, let us give you an example. The average payday loan amount increases to $375 in 2021. Even on a $375 loan, the average finance fee drops to between $56.25 and $75, respectively.

This means that the interest charges are anywhere between 15% to 20% depending on the lender and the loan amount. If we look at it from a mathematical point of view. 15% of $375 comes to about $56.25. So, you accepted a loan of $20 per $100.

Questions? We've Got Answers

Will I Get the Instant Approval of
the Loan?

Yes, you will get instant approval, once you meet the eligibility criteria and all your documents are perfect. Lenders provide you with fast approval once all the prerequisites are met and further transfer the money into your bank account.

Which Form of Collateral
is Required?

No, collateral is required against these short term unsecured loans. Lenders will not ask you to submit any of your personal assets as security.

For What Purpose Loan Amount can be utilized?

It is completely up to you to decide how to use the loan amount. You can pay off the pending expenditures; meet the credit card bill, or any other dues without any hassle.

What I Fail to Make the Repayment
on Time?

In case, you do not make the repayment on the scheduled date or the post-dated cheque bounce, then you will be charged with a late payment fee along with the existing loan amount.

How To Improve Credit Score By
Taking This Loan?

All you can do is square off with the pending dues especially the credit card payment or any other previous loan to make some improvements in the credit ratings.

Can I Take Two Payday Loans at
the Same Time?

No, you can take only one loan at a time and once the same is settled, then only you can apply for another one.

At What Interest Rate Bad Credit Loan
Can Be Availed?

As an update, when you have a FICO score under 670, you're considered a subprime borrower. In the event that you're FICO score is under 580, your credit falls into the "exceptionally poor" range. Each money lender sets its standards (counting FICO assessment edges) for advance endorsement and valuing.

That makes it hard to anticipate definitively what APR you'll be presented for an individual advance on the off chance that you have awful credit. Financing costs on close-to-home advances can go from generally 5.5% to 36%. On the off chance that your credit score is poor, you ought to hope to be offered rates on the higher finish of that scale.

Would I Be Able To Get A Loan With
No Credit Check?

While most advances require a credit check, there are a few advances that don't. All things considered, moneylenders qualify applications dependent on the candidate's capacity to reimburse the advance. Money lenders will probably likewise require a guarantee—an individual resource used to get credit and one the loan specialist can repossess if the reimbursement terms are not met.

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Customer Testimonials

What our happy customer says about our loans services...

INeedPayday.com website has been a life saver for me in times of need extra cash and have been prompt and efficient in processing my application. Well Done Team!

- David R.
Houston, TX

INeedPayday.com website is doing amazing job! The loans application So fast and so easy to apply. My loan is approved same day. Thank you team!

Andrew T.
Los Angeles, CA

I have to need urgent money and I hate asking friends and relatives for help. It spoils the relatives. In case I need money I apply for a payday loan. It's the best solution!.

J. Yarbrough
Dallas, TX

Since I met all your necessities, my payday loan was processed very fast and approved less than 1 hour! This is such a great way of getting additional and much needed money!

R. McCall
Los Angeles, CA