Best Online Payday Loans With Instant Cash Advance From Top Payday Lenders In 2022

9:51 AM, Nov 08, 2022
9:51 AM, Nov 08, 2022
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Best Online Payday Loans With Instant Cash Advance From Top Payday Lenders In 2022

The financial world is facing significant negative changes. On another hand, many companies are forced to let go of millions of workers. But even having a regular job often can’t cover every expense.

So lacking finances has sadly become a regular thing. Therefore it’s no surprise when many people decide to apply for a loan. It’s a great choice if you don’t want to borrow from family or friends.

Furthermore, you can still get a loan if you want to borrow money but hate banks. This is thanks to the online loan platforms. They are available 24/7 and even offer different types of loans.

Precisely online payday loans are one of the most popular choices among users. You can apply for any reason. So if you are facing a financial issue, continue to read and discover the best 5 companies that can help you find a suitable loan offer.

Best Online Payday Loans For Bad Credit

  1. MoneyMutual: Overall Best Online Payday Loans For Bad Credit
  2. BadCreditLoans: Trusted Lenders For Payday Loans Online
  3. RadCred: Guaranteed Loans Online With Same Day Approval
  4. CashUSA: Best Online Lenders For Fast Cash Advance
  5. PersonalLoans: Reliable Loan Company For Personal Loans With Fast Funding

#1.MoneyMutual: Overall Best Online Payday Loans For Bad Credit

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Company’s overview

MoneyMutual is one of the most popular online loan platforms. It was launched in 2010, and so far, it has served more than 2 million satisfied users. The company is located in Las Vegas and is a member of the Online Lenders Alliance.

MoneyMutual is well aware that millions of people are in debt. Therefore, it’s pretty usual for people to decide to apply for a loan. That’s why the company was created in the first place. They aim to offer a safe borrowing process.

However, we must mention that the company is not the lender itself. It simply represents a bridge between you and your lender. For that matter, the platform has a vast network of lenders that can approve your application quickly.

But we should mention that there is no 100% guarantee that you will get approved. You may still get rejected even if you fulfill all the application criteria. You shouldn’t get disappointed but instead, check other options.

Lastly, one thing that is 100% guaranteed is the maxim protection of your information. The company’s website is secured by a 2048-BIT RSA key, an advanced technology that secures the database. So it’s a trustworthy and legitimate platform.


To apply for a payday loan at MoneyMutual, you must visit their official website. The short application is already waiting for you on the main screen. If you want to start the process right away, firstly select the amount you would like to borrow.

You can see MoneyMutual’s amount range displayed as a scale at the top of the screen. The minimum amount you can request is $200. If you need more, the maximum amount goes up to $5,000.

To select the desired amount, move one or both of the yellow dots towards any of the displayed numbers. Think thoroughly about your financial emergency. Then select the range that will best work for you.

Next, click the red colored field “Get Started.” The application starts by requiring you to select your state of living. The second part includes you sharing a few simple personal information. This includes your first and last name, email, and zip code.

Your submitted request is automatically sent to the network of lenders for review. Typically they don’t take long before they decide. If you get approved for a loan, they will quickly contact you.

Application requirements

To be able to apply for a payday loan at MoneyMutual, you must meet the following criteria:

  • Have over 18 years of age
  • Be a USA citizen or permanent resident
  • Own a checking bank account under your name
  • Have a regular monthly income of at least $800
  • Acceptable income sources: Employment, self-employment, pension, or other
  • Provide home contact (Your phone number, home address, and e-mail address)
  • Share work contact (Your employer’s name and phone number, this may be required only by some lenders, not all)


  • It’s a legit online loan platform
  • The application process is simple and secure
  • You can apply for a minimal loan (starting from $200)
  • You can get up to $5,000
  • Lenders review the request quickly
  • The loan terms are determined solely by the lender, and you
  • Approved funds may be deposited to your bank account within 1 business day


  • The platform doesn’t offer a guarantee that you will get approved
  • Some lenders may set very high-interest rates or won’t offer clear insight into the APR
  • MoneyMutual can’t assist you once you are connected to your lender

⇒ Visit the Official Website of MoneyMutual

#2.BadCreditLoans: Trusted Lenders For Payday Loans Online

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Company’s overview

BadCreditLoans is a company that has everything it takes to be number 1 in the lending world. This online loan platform was established in 1998 in Washington. As its name implies, it’s a lending company specializing in loans for bad credit.

However, similar to our other listed platforms, this company is not the lender itself. It simply helps potential borrowers to find the most suitable lender for themselves. For that matter, the company has an extensive network of lenders.

Besides this, BadCreditLoans also offers users another network of third-party lenders. So not only can you apply despite having a poor credit score, but you also have many lenders to choose from.

However, you must know that once you are connected to your lender, BadCreditLoans can’t interfere beyond this step. So the terms and conditions of the loan are determined solely by you and your lender.

Regarding the reason for your application, you can apply for various purposes. You can borrow money to cover routine living expenses. This includes credit card payments, mortgage payments, utilities, car payments, food, rent, etc.


To apply at BadCreditLoans, open their website. It’s quite elegant and simple to navigate. The application is displayed on the right side, so you can’t miss it. Start the process by entering the amount you would like to borrow.

The lowest amount you can request is $100. If your financial issue requires more than that, then you can choose any number between $100 and $10,000 as their highest amount. Before you start, make sure you do the math about your financial problem.

The next step of the application requires you to provide your zip code, the last 4 digits of your SSN, and your date of birth. After you submit your application, the platform automatically sends it to the network of lenders.

Typically, lenders review the applications in a short period. They will notify you about their decision via email. Additionally, the funds may be transferred to your checking account within 24 hours if your application is approved.

Last, but not least, you should know that you can apply despite having a bad credit score. However, it may still influence the whole application process. This means that some lenders may set very high-interest rates.

Application requirements

BadCreditLoans has a few simple eligibility requirements you must fulfill to be able to apply:

  • Have at least 18 years of age
  • Be a legal US citizen or permanent resident
  • Earn a regular monthly income
  • Have a valid checking account in your name
  • Provide work and home phone numbers
  • Provide valid work and home email address


  • Your personal information is 100% secured
  • You can easily access the site (And for free)
  • Approved funds may reach your bank account in less than 24 hours
  • You can get connected with several lenders
  • The loan platform offers a network of third-party lenders


  • The repayment terms are fixed
  • Your bad credit score may influence the APR (Some lenders may set up very high-interest rates because of it)

⇒ Visit the Official Website of BadCreditLoans

#3. RadCred: Guaranteed Loans Online With Same Day Approval

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Company’s overview

RadCred was created to solve the common problem of finding a great loan offer when you have a bad credit score. It’s located in California and has helped transform traditional banking and lending into more modern and straightforward processes.

Clients are only required to fill out a short application. Moreover, you must meet specific eligibility requirements. So now, thanks to companies like RadCred, getting a loan is not a mission impossible anymore.

Regarding your personal information, RadCred is another trustworthy platform that uses advanced encryption technology. Everything you share during the application process is 100% secured. So you have nothing to worry about.

Next, the company is also a member of the Online Lenders Alliance. This also speaks about its reliability. In addition, RadCred is best known for collaborating with payday lenders. This is why this loan platform is another ideal choice of a trusted source for online payday loans.

Application requirements

To be able to apply at RadCred, you also must meet several criteria. Luckily, they are also simple as the application itself:

  • Be at least 18 years old
  • Have a legal US citizenship or permanent residence
  • Own a valid bank account under your name
  • Earn a steady monthly income from a job, pension, social security, or disability benefits
  • Not have a current active loan provided from another lender


  • It’s a trustworthy and secured site
  • You can apply for smaller loans (Starting from $200)
  • The highest amount you can apply for is $5,000
  • You can apply fastly
  • There are no hidden taxes or fees
  • The terms and conditions are agreed solely upon by you and the lender


  • There is no 100% guarantee that you will get approved for a loan
  • The company is not the lender itself
  • You must be a USA citizen if you want to use their services

⇒ Visit the Official Website of RadCred

#4. CashUSA: Best Online Lenders For Fast Cash Advance

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Company’s overview

CashUSA is one of America’s most trusted online sources for payday loans. The company represents a lending network available for everyone, especially clients with poor creditworthiness.

It’s established in Las Vegas, Nevada, and is free to access. In addition, you can easily navigate it and instantly apply for a loan. However, you must know that CashUSA is not the lender. Instead, it offers an extensive network of lenders.

By using one application, you can be connected to various lenders. Furthermore, the company includes state and tribal lenders in its lending partnership. But it states that tribal lenders may set higher interest rates than state lenders.

Moreover, the company uses advanced technology to protect clients' personal information. Besides that, it’s a member of the Online Lenders Alliance. These factors easily show that we are talking about a trustworthy company.

Lastly, CashUSA offers free educational services to rejected clients. This is another big plus that adds up to the company’s reliability. These services consist of professional advice that may help you to improve your bad credit score.

Application requirements

CashUSA has quite a few criteria you must meet to apply. So here is what you must fulfill:

  • Be older than 18 years
  • Have a legal US citizenship or permanent residence
  • Provide a valid SSN (To prove your citizenship or residence)
  • Own a valid bank account under your name
  • Be employed for at least 90 days (Additional, must meet the lender’s monthly income minimum)
  • Earn at least $1,000 per month
  • Share home contact (Your phone number and email address)
  • Share work contact (Your employer’s phone number and email address)


  • The platform is free and available for everyone
  • You can apply instantly
  • The application criteria are simple to meet
  • The platform offers another network of third-party lenders
  • You can request up to $10,000
  • The approved funds may reach your bank account within 1 business day


  • CashUSA doesn’t guarantee that your application will get approved
  • It is not accredited by the BBB (Better Business Bureau)
  • The platform is restricted in several countries
  • Your monthly income mustn’t be below $1,000

⇒ Visit the Official Website of CashUSA

#5.PersonalLoans: Reliable Loan Company For Personal Loans With Fast Funding

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Company’s overview

PersonalLoans was founded in 2001. Therefore, it’s considered to be one of the oldest online marketplaces. Its entire work is dedicated to providing every client with the best online loan services.

However, the company isn’t the lender itself. Instead, it plays the role of a middleman between the clients as potential borrowers and their network of lending companies. Lenders can offer a variety of different types of loan amounts.

In addition, the lenders are the ones who get to determine the interest rates, fees, and some other additional terms. But you are not obligated to sign anything you might find unreasonable or if you think it simply doesn’t suit your financial situation.

Moreover, the company has displayed some essential information you must know before applying for payday loans. They have pointed out that you must be aware that these loans come with fees and high-interest rates. Additionally, the repayment period is short.

This is proof of the company’s reliability. They aim to educate the clients, not just to push them into a loan process they know nothing about. So as a potential borrower, you can read every detail and decide if you still want to continue.

Application requirements

PersonalLoans has simple eligibility requirements. To be able to apply for a payday loan at this online platform, here is which criteria you must meet:

  • Be at least 18 years old with valid identification
  • Be a legal US citizen or permanent resident
  • Own an active bank account
  • Have steady monthly income (Must be able to cover the monthly repayments)


  • The application process is safe and easy
  • The highest amount you can request is $35,000
  • PersonalLoans offers a network of more than 100 lenders
  • The site uses advanced encryption technology


  • There is no 100% guarantee that you will get approved for a loan
  • Possible additional fees

⇒ Visit the Official Website of Personal Loans

How We Made the List Of Online Payday Loans Same Day Approval


If you are engaging in any process that involves money, you must ensure that your personal information is completely secured. Applying for online payday loans & bad credit loans guaranteed approval is no different. There are many scammers, and all of us must be careful.

Therefore, when making this list, we took the reliability of the companies as the first main criterion. It is safe to say that all 5 of our listed platforms are trustworthy. In addition, they use advanced encryption technology to protect the client’s information.

The millions of happy clients are the best proof of their honest work. Many users are delighted in several aspects. They appreciate the speed and safety of the application process.

Moreover, users can also get educational services on how to improve their bad credit scores. Lastly, all of the mentioned loan platforms in our article are proud members of the Online Lenders Alliance. This is another proof of their trustworthiness.

Lenders can offer reasonable APR

Payday loans, also known as short-term financing, usually have a high-interest rate. Only lenders get to decide how much the interest rate will be. In addition, they usually decide this based on your regular monthly income.

This is another great advantage of our listed loan platforms. Their network of lenders is known to offer clients reasonable APR. If you are a potential borrower, you must know that many scamming sites usually aim to take advantage of the users.

This is usually done through very high-interest rates. That’s also why we recommend that you must never sign anything that you find unreasonable. Simply read all the terms and conditions your lender has set to avoid additional trouble.

You can easily apply

Many users approach the online loan platform simply because they want to avoid the usual waiting in the banks. This is what best distinguishes these online companies. All of them offer super convenient forms of application.

You can apply from your home or office, using your mobile or desktop. What’s more, filling out the required fields won’t take more than 5 minutes of your time. It will usually require you to provide simple information. Also, the eligibility requirements are not complicated at all.

Furthermore, each loan platform is super easy and 100% free. The application is already displayed on the main screen as you open their websites. Therefore, any user who has a financial emergency can instantly apply.

Therefore, you won’t have to search for hours for the application. Best of all, they can review your submitted request in a short time. If you get approved, you may get the funds within 1 day. So this might be an ideal solution for unexpected and urgent costs.

Guide: What to Consider When Applying for Online Payday Loans For Bad Credit?

The characteristics of the payday loan

Before you apply for a payday loan, simply educate yourself. You must know that this is a small type of loan. The average amount of a payday loan is $500. If you need a higher amount, you should consider another loan product.

Secondly, you must be aware that online payday loans come with high-interest rates and fees. This can quickly add much more to the amount you will need to pay back to your lender. The average payday loan cost is between $10 and $30 for every $100 borrowed.

Next, you should know that these loans are usually intended to provide you with cash only until you receive your next paycheck. They are also known as short-term loans, so typically, the repayment period is between 2 to 4 weeks.

Lastly, you must know that many states enforce caps on fees, loan amounts, and interest rates due to the high APR and harsh repayment terms. So the payday loan conditions may vary depending on the state you live in.

The reason for your application

Applying for a loan is not a children’s game. Therefore you must give it a good second thought before engaging in such an activity. No matter how ideal a loan offer sounds, you mustn’t apply for it if you don’t quite need it.

It’s not only that you shouldn’t apply if you don’t need it, but you also shouldn’t borrow more than you need. So always remember not to overborrow. You should be aware that the higher the amount, the higher the interest rate.

So use the loan platforms wisely. You shouldn’t worsen your situation but find a proper solution instead. If you don’t understand finances, ask a friend or an expert for advice. In addition to this, take into consideration your creditworthiness.

Our listed companies can assist even clients with poor credit scores. However, you should know that a bad credit score may still influence the lender’s decision. So you may get rejected, or some lenders may set very high-interest rates.

FAQs On Same Day Payday Loans Online

Q1. What do I need to get a payday loan?

To get a payday loan online, all you have to do is visit the website of a loan company. You can check our listed loan platforms or find other trustworthy sites. In addition, you will be required to submit a valid form of identification.

Next, you must provide proof of income and pay period. Also, you must own an active bank account under your name. Typically, the lender uses your salary period and the amount of income to decide if you are eligible for a loan.

Moreover, by doing this, the lender can evaluate when you can pay your loan back. So, based on the information you provide, lenders can set the terms of the contract. Of course, we recommend not to rush. Read every detail before signing anything.

Q2. How fast can I get a payday loan?

This entirely depends on the online loan platform you are applying at. Firstly, their application process should be short and easy. It should only take you a couple of minutes. Afterward, the review of your submitted request should be fast too.

Lastly, payday lenders make the final decision whether you will get approved for a loan or not. Usually, they can decide in a short period. So it shouldn’t take long before you get a payday loan. Additionally, funds might be deposited into your bank account within 24 hours.

Q3. Why should I apply for a payday loan?

Payday loans online come with several advantages. Firstly, you can easily access them. The application process usually requires some simple criteria you must meet, like a regular monthly income. Other online loans can turn out to be much more complicated.

Also, you can apply and get approved for a payday loan even if you have a poor credit score. If you get approved, the funds are usually transferred to your checking account within 1 business day.

Of course, these advantages do not mean that you should immediately apply. Always apply for a loan if you truly need it. Clients usually apply for payday loans no credit checkto cover necessary and unexpected expenses. This includes car repairs and utility bills.

Conclusion: Instant Payday Loans Online Guaranteed Approval

Online loan platforms have become incredibly popular over the last decade. This is thanks to the fast development of technology. Moreover, many people feel more comfortable applying online for a loan than in a traditional bank.

Waiting for hours in line is slowly becoming a past. Besides, applying for a payday loan online requires minimum paperwork, which is another great advantage. In addition, the whole application process is quite simple and might only take a few minutes of your time.

Furthermore, online loan platforms are known to provide educational services too. They are usually offered to clients who don’t get approved for a loan. This means that users with poor credit often get professional help to improve their creditworthiness.

However, no matter how convenient the loan process is, we advise you to still read all the details in the agreement before officially signing anything. This includes reading every disclaimer and disclosure.

Don’t forget that a loan is meant to improve your financial situation. Rushing or applying at a shady loan platform might only worsen things. Therefore, you must always be careful when choosing a platform for online payday loans for bad credit.