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Easy Application

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Flexible Loan Options

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Fast Decision & Funding

Loan Options We Offer

Same Day Payday Loans

Short term payday loans with no loan origination or adminisration fee for small and unexpected expenses. A good option for individuals who need immediate access to funds.

No Credit Check Loans

Easy borrowing option for consumers who are ineligible to borrow from a bank. A good option for people with fair or bad credit score, as no hard credit pulls are done.

Instant Payday Loans

Receive immediate decision on loan approval whether it is a payday or personal loan. Applying takes a few minutes only, based on minimum personal information and basic requirements.

Fast Cash Loans

Quick payday loans with immediate approval and fast funding. The best choice for people who need cash to be transferred to their bank account within one business day.

1-Hour Cash

Quick and easy solution for customers with bad credit or low income who need urgent financial help. The right choice in emergencies due to an instant online loan application process.

Lines of Credit

Easy borrowing option with unparalleled flexibility and control. The borrower pays interest only on the actually used loan amounts.

Online Loans That Help

Borrowers do not always have access to the funds they need when they need them the most. Applying for traditional bank loans or credit cards and waiting weeks for approval may not be the best solution. Sometimes cash is needed right away, even on the same day.

At OnlineLoansYouNeed, we connect consumers with online lenders despite their credit scores. On our website, you can request a loan in minutes and find out instantly whether you are approved. Get loan amounts up to $1,000 with payday loans, up top $5,000 with installment loans and up to $35,000 with personal loans. Many of our direct lenders even offer fast funding with same-day transfers of money. That means you could have the loan you need today and that it does not affect your credit score. Use the money to cover your urgent family expenditures, hospital bills, car repair, pay off your credit card balances, consolidate debts or make large purchases.

How to Shop for the Best Online Loan?

When looking for the most suitable loan offer, make sure to understand and compare the interest rate, annual percentage rates (APR), fees, charges. Other important things to be aware of, are rollovers and prepayment penalties. Make sure to check loan’s payment schedule and any other applicable terms and fees. Payday loans may carry high APRs, so borrow only if you are sure you can repay them on time.

Useful Sources

How It Works

How It Works

Never applied for payday loans before? Find out how it works.



Discover answers to frequently asked questions about all unsecured loan products.



Learn in-depth about responsible borrowing, and tips to improve your credit history and financial future.

Before You Apply

Before You Apply

Find out how to be a safe and responsible borrower.

Always Ask Yourself

Scam & Fraud

Never share your personal details and phone number with unknown companies and shady lenders! We never ask for a payment for our services or approval. Learn more about typical lending scams or report any unauthorized or fraudulent activity!

Steps to Get a Loan

Fill Out the Form

Our online loan application is easy, fast, and confidential. All we need to know is your required loan amount, proof of income and basic personal information. It will take only a few minutes to fill out the online application form. In order to apply you should be al least 18 years old, resident of US, have a stable income, and an active bank account.

Alternative Credit Check

The lenders in our network don't run a traditional credit inquiry with major credit bureaus. Instead, alternative credit checks are performed. Therefore, it doesn't affect your credit score.

Get Approved

Once we receive your application, you only need to wait a few minutes for your eligibility decision. After reviewing the loan terms like APR and amount, you're welcome to sign the contract with your payday lender electronically. The loan amount, as well as the interest rate the customer qualifies for, may vary based on debt-to-income ratio, credit report, creditworthiness, and other application information.

Get The Money The Next Business Day

As soon as you are approved, the money is deposited to your checking account on the next business day. If you applied before noon, your money could be available on the same day. The funding time depends on the particular lender.


Loans along with the interest are paid back by automatic withdrawal from the borrower's active account on the due date.

Why Choose OnlineLoansYouNeed?

OnlineLoansYouNeed is a leading licensed loan connecting online service that matches people and lenders to let the customers get the desired online loan in a short time, charging no fees for the service. We exist to serve consumers looking for better alternatives to traditional credit unions and bank credit products and ways to address their financial needs. We work only with reputable, professional, and trustful payday lenders who offer competitive interest rates, flexible loan options, lower fees to customers with a poor credit score and encourage responsible lending and borrowing.

At OnlineLoansYouNeed, our goal is to be the best online loan service by offering a quick, easy, secure, and convenient online application process and fund deposit. We strive to provide the most responsive and efficient customer service that will be able to cover you in case of an emergency, or any questions you may have. We are committed to helping you build your credit history along with a better financial future!

Get the funds you need at any time! Apply with us safely today for payday loans that will not affect your credit score! Get approved and receive your money on the same or next business day.

Customer Notice

All payday loans are subject to state regulations, approval by the lender, and eligibility. The APR for a cash advance loan is contingent on a variety of factors including location, lender, the amount borrowed, fees, and terms. A single short-term cash advance term ranges from two to four weeks, and must not be used as a long-term financial solution. Accounts which are not paid in full or on time may be sent to collections. This may have a negative effect on credit score and overall financial status. Loan rollover leads to extra fees and charges. Consumers with delinquent accounts or insufficient funds may incur other fines and penalties as well. Customers with credit difficulties should seek consumer credit counseling.

©2020. OnlineLoansYouNeed. All Rights Reserved.

OnlineLoansYouNeed is not a lender and therefore is not part of any decision making associated with lending or offering loans.We are an online service that connects borrowers and lenders. We do not charge any fees for this service. The user has the right to review the terms and condition before accepting any loan product or service offered. OnlineLoansYouNeed does not endorse any particular lender. We don’t store or access information about fees and charges associated with any loan offers. Not all states allow short-term loans, so the potential borrower needs to check that information. OnlineLoansYouNeed cannot guarantee that a user of our website will be approved for any loan product, nor can we ensure that you will be connected with a lender, or if they will provide you with a loan as per your online form request. Loan products can vary in their terms and conditions and can depend on numerous factors. These may include but not be limited to your state of residence and your credit standing as well as the terms applied by individual lenders.