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10 Best Places to Get Instant Payday Loans In USA

What are instant payday loans, how to get instant payday loans in the United States of America.

Instant payday loans are those types of payday loans that are usually granted instantly or within minutes or hours of the application.

The longest time such loans are granted is within 24 hours.

But of course if you know how to make 200 dollars in one day or even how to make 1000 dollars fast, you may not need such instant loans.

Unfortunately not many know how to nor do we even have the time to learn, hence the need for this payday loan.

You can usually apply online and get approved right afterwards, especially if you provided all required documents.

The loan is approved against the next payday check of the borrower.

It can be used for emergency expenses such as doctor bills, utility payments, rent payments, or to avoid bouncing a check (or checks).

These loans are approved online or in-store depending on the services provided by the lender.

10 Best Ways and Places to Get Instant Payday Loans
Below are some of the best loan companies offering these types of loans and what features each brings:

Advance America
Advance America is one of the best places to get instant payday loans.
You can borrow different types of easy and fast loans from this lender.

Payday loans, installment loans, Title loans and Line of Credit are some types of cash loans available from Advance America.

If you are looking for how to get easy cash advance or payday loan to take care of your financial emergency before your next paycheck, applying with Advance America is an option to consider.

The features of payday loans from Advance America include:

The application process is easy. In just a few simple steps you are done.
Your application enjoys fast processing and approval. Once the application is received, the approval could come within minutes. You could also get the money right afterwards.
Advance America can even approve your loan application even if your credit score is low.
You will not pay penalties for early payment.
You can use the money for any legitimate purpose.
To qualify for Advance America instant payday loan, you must be 18 years or older.

You must also be an American citizen and you must have a job or a steady source of income.

Click here to check out Instant payday loans from Advance America.

Related: Best Loan Places Near Me.

Cash Central
Cash Central is another well known financial service provider of different kinds of loans. This lender provides payday loans, installment loans and line of credit.
This lender operates in more than 30 States of the USA. Cash Central’s headquarters is in North Logan, Utah.

The unique features of payday loan from Cash Central include:

The loan is processed quickly. You get an instant transfer of funds once the loan is approved.
The instant payday loan can be used for any legal purpose.
Borrowers can access funds loaded in a debit card they can use at their convenience.
Cash Central gives you instant funding the next time you apply after you repay your first loan completely.
Cash Central makes it easy for borrowers to communicate, apply and make payments through their website and the resource center.

Click here to check out instant payday loans from Cash Central

Talking about having the funds loaded in a debit card, you can’t have it loaded in a kid’s debit card though. It has to be your debit card.

CashNetUSA is another reputable financial lender that provides cash loans to residences in over 30 states of the USA.
Borrowers can access three types of loans from CashNetUSA. These are payday loans, installment loans and line of credit.

The features of the loan offered by CashNetUSA include:

The online application process is quick and you will get approval almost immediately and funds would be transferred into your account within the next business day.
No collateral is needed to access Payday loan from this platform.
Those with bad credit can still apply and get approved as long as they can demonstrate an ability to repay.
There is no restriction on what the loan should be used for. So, the funds can be used for any legal purpose.
You must repay the principal and the interest on the next payday.
If you have bad credit, you can still apply and get approved for a loan with this company. Yes, this may come with high fees associated with unsecured bad credit loans though, so make sure you fully understand what the terms are, before you go ahead.

To qualify for a Payday loan from CashNetUSA, you must be at least 18 years old.

You must also be a US citizen or permanent resident with an active checking account and email address.

You must also have a steady source of income to qualify for this loan.

Click here to check out for Instant payday loan from CashNetUSA.

Also See: Hot Penny Stocks and how you can make good money when you pick the right ones.

instant pay day loans

ACE Cash Express
ACE Cash Express is another well known financial service company that offers various types of loans. This company is based in the USA and offers various types of online loans.
If you are interested in Instant payday loan, ACE Cash Express is a place you should consider.

This company offers a variety of short-term loan options like Payday loans, installment loans, and title loans.

The payday loans offered by ACE Cash Express has the following features:

Payday loans allow individuals to borrow anywhere from $100 to $1,500.
The loan amount can be borrowed online or in-store in some locations across the United States.
The interest rate that you will be charged will depend on your state of residence.
ACE Cash Express payday loan is processed quickly.
After the loan is processed, the fund would be deposited instantly in your account electronically. You can also pick up your cash at a branch location on the same day you apply.
ACE Cash Express offers a 72-hour guarantee so you can return the full loan within 72 hours if you change your mind about the loan.
No collateral and no prepayment penalty is attached to this loan.
You must be 18 years and must have a steady source of recurring or adequate residual income to qualify for Instant Payday loan from ACE Cash Express.

Click here to check out instant payday loans from ACE Cash Express.

LendUp is another popular and reputable financial company that gives loans to borrowers. It is based in the United States and currently offers loans to people residing in seven states.
These states are currently:


If you are based in any of these states, you can apply for a payday loan from LendUp.

LendUp offers lenders with first-time loans from $100 to $250.

As a first timer, you can borrow any amount between $100 and $250. That may not be much money but will come handy especially in those times when you may even need 10 dollars right away.

If you pay up in time, you will earn points and increase your chances of borrowing more.

You will not only borrow more, but you will do so with lower interest rates.

Instant payday loans from LendUp could range from 7 to 30 days and this can depend on when you get paid.

Other features of instant payday loans from LendUp include:

LendUp approves loans even for people with poor credit.
Instant decision and fast approval is made on loan application
LendUp provides free credit education so that people can learn more about how to make the most of their credits and get the best from borrowing.
LendUp provides a platform where lenders can check the status of the loan online and in real-time.
Click here to check out instant payday loans from LendUp

Also See: How To Sell Feet Pictures for Money.

Check ‘n Go
Check ‘n Go is another popular place you can go for a payday loan.
If you need urgent money before payday and can’t come up with any other viable way of getting the money, then consider this financial lender for your loan.

This short-term lender offers a number of services like Payday loans, installment loans, and prepaid debit cards.

The benefits of applying for Check ‘n Go loans include:

You will get quick access to funds as soon as your loan application is approved. Usually, the fund is transferred into your bank account as soon as the next business day.
Check ‘n Go payday loans are accessible both online and in store.
The funds you receive from Check ‘n Go can be used for any legitimate purpose and you are free to spend it any way you want.
You should not worry about your credit score. Check ‘n Go approves loans even for people with bad credit.
To qualify for Check ‘n Go payday loans, you must be 18 years and a US citizen or permanent resident.

A steady source of include will increase your chance of getting approved.

Click here to check out an instant payday loan from Check ‘n Go

Check City
Check City is another genuine financial lender to consider for payday loans. This lender offers different kinds of loans to borrowers across many states in the United States.
The loans you access from Check City include payday loans, cash advances, installment loans, Title loans, money transfers, prepaid debit cards, and so on.

The features of Check City payday loan include:

You can access it online or in-store. With in-store, you can visit a Check City store in your location or state of residence and have the application processed in person.
The loan is processed quick. If approved, you will have fund delivered to you on the same day. With the online application, you will receive the fund the next day.
You can still apply and access Check City payday loan even if you have bad credit. What matters is your ability to repay.
To qualify for Check City instant payday loan, you must have a steady source of income, a current State or Federal ID, a checking account.

Your Social Security number and contact detail are also needed.

Click here to check out Instant Payday loans from Check City

Also See: Best Money Making Apps (some make you money just having them installed!)

Speedy Cash
Speedy Cash is another popular and genuine lender that offers a variety of short-term loan options for borrowers.
The loan products include payday loan include an installment loan, auto title loan, and prepaid debit cards.

If you are in a financial emergency and want an instant payday loan, then consider borrowing from Speedy Cash.

You can get up to $500 or less as payday loan from Speedy Cash.


This loan usually has a repayment time of within two to four weeks. However, the rules of this type of loan vary, depending on your state.

Other features of Speedy Cash payday and other short-term loans from Speedy Cash include:

Quick processing time. Once you apply, the processing begins.
You can apply online or in-store. Online applicants can have funds deposited into their bank account as soon as the next business day. Those who apply in-store should expect their funds in minutes.
You can use the approved fund for any legitimate purpose. Speedy Cash does not restrict your use of the funds on a specific purpose.
To qualify for Speedy Cash instant payday loan, you must be 18 years and have a steady source of income.

Other requirements include you must prove you are an American citizen or a permanent resident of the US.

Click here to check out Instant payday loan from Speedy Cash

By the way, if you are a female with long hair, you can sell your hair online for a lot of money, rather than try for a loan.

RISE Credit
RISE Credit is another genuine lender that can provide you with various types of loans.
The loan amount you can borrow depends on your state. This financial lender operates in many states of the United States.

RISE Credit specifically offers payday loans, installment loans and lines of credit.

Whether you have a money saving app for saving money or not, you are not alone. We have all been there when we don’t even have any money saved for emergencies. It’s time like that we fall back on payday loans from companies like RISE Credit

The features of the loans from RISE Credit include:

You can get approved of payday loans from RISE Credit even if you have bad credit.
The loans are approved fast and you will have fund deposited into your account within the next business day.
The minimum and maximum amount you can get a payday loan are $500 and $5000 respectively.
There are no repayment fees as RISE Credit charges no extra fees when you pay off your loan earlier.
To qualify for RISE Credit Instant payday loans, you must be 18 years older.

You must also be an American citizen and you must have a job or regular source of income.

Click here to check out RISE Credit Instant Payday Loans

Check Into Cash
This is another genuine platform that offers loan services.
It offers payday loans, online payday advances, title loans, bill payment services, check cashing, reloadable prepaid debit cards, and Western Union money transfers and money order services.

This lender operates in more than thirty states of the USA. You can get instant payday loans from $50 to $1,000.

The features of the loan include:

It is unsecured.
The turnaround time is 1 to 2 business days.
The cost of the loan depends on your state of residence.
Lenders must be at least 21 years and American citizens with a bank account, email address or phone number.
The benefits of accessing Instant Payday loans from Check into Cash include:

You can get the loan quickly approved in a matter of minutes.
You can use the loan for any purpose as Check into Cash doesn’t dictate nor impose a limitation on the legal purpose you intend for the loan.
The application process has relaxed criteria that can be met even if you have bad credit.
Check into Cash doesn’t charge a fee to apply.
Click here to check out instant payday loans from Check into Cash.

Also See: Best Investment Apps For iPhone and Android.

Important Instant Payday Loan Traps To Avoid
An instant payday loan can help you solve financial emergency fast. However, there are traps associated with these loans.

The truth remains that many who get payday loans eventually find themselves stuck in a circle of debt.

This vicious circle begins when you are short of funds and decide to borrow quick money to solve your financial emergency.

Medical bills, school fees, vacation payments, rent, etc., are some of the financial emergencies that could create an immediate need for cash.

The traps to avoid when it comes to instant payday loans are:

Payday loans come with high-interest
Yes, the cost of borrowing these loans is often high. The interest rate may be up to 15%.
For instance, if you borrow a sum of $200 for two weeks, you are expected to repay $230 at the end of the loan tenure.

With an interest rate of 15% for two weeks, it means you would be paying up 30% interest per month and more than 300% interest in a year.

A loan of $200 at 15% interest will attract an interest payment of 720% at 360% annual interest rate.

Such high cost is a trap that many fall into, unknowingly.

Payday loan lenders offer rollover plans to borrowers
If the borrower cannot repay the loan within the stipulated time, the debt would be extended to another two weeks.
The extension of the loan adds extra cost to the overall loan. If you are not on top of things, you could find yourself eventually owning thousands of dollars on a loan of just few hundred dollars.

Many Payday loan lenders are aggressive in their collection method
Yes, many of them are so aggressive that if you miss your repayment, they may harass you and may even call your friends and family.
Some may also show up at your home or workplace.

In extreme cases, they may sue you.

It’s best to avoid payday loans completely if you can. You should consider any of the following alternatives first before applying for instant payday loans:

Cut down on unnecessary expenditures. Create a budget and build your savings.
Contact your friends, family, and colleagues for loans to take care of the financial emergency.
Consider small personal loans online or from your credit union or a small loan company.
Research and apply for short-term loans with the lowest APR.

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