How It Works

Compare Your Borrowing Options

When you’re looking for an online loan, it’s a good idea to explore all the available options to choose the best fit for your borrowing needs.

Same Day Payday Loans

Online short-term loans designed for people who need instant access to funds. With an online same day cash advance, the money is disbursed until the next business day.

No Credit Check Loans

A type of loan intended for people who do not have an excellent or even moderate credit score. Direct lenders run only soft credit checks, which don’t affect borrowers’ scores.

Fast Cash Loans

Online cash advance loans that can provide quick cash in emergency situations and for other urgent borrowing needs. Their main feature is fast approval with same-day processing.

1 Hour Loans

Fast online payday loans with a short repayment term, that may be the best option for borrowers with poor credit, who need a small amount of money instantly.

Lines of Credit

Easy borrowing option with exceptional flexibility and control when the borrower pays interest only on the actually used amount.

Check the Eligibility Criteria

The requirements for getting online payday loans are simple:

  • Be at least age 18;
  • Be a US citizen or permanent resident;
  • Have an active checking bank account;
  • Provide an active phone number and e-mail address;
  • Apply for a loan only in the state of residence;
  • Have a stable and verifiable income.

Steps for Getting Online Loan

#1
Fill Out the Online Application Form

The application process is simple and can be done online through OnlineLoansYouNeed in a matter of minutes. It requires providing accurate personal details and employment information.

#2
Wait for an Approval Notification

After submitting the online form, applicants get an immediate decision on their requests from one of our direct lenders.

#3
Review the Offer &
Sign the Contract

Before signing the contract with a direct lender, it’s necessary to evaluate rates, fees, terms, and conditions. If the loan offer is appropriate, then signing the agreement and sending it back to the lender is the final step before obtaining the desired loan amount.

#4
Receive the Money

The funds are deposited into the borrower’s bank account through direct deposit and will be available for immediate use. The disbursement takes no longer than a single business day.

Repay the Loan

Online payday loans are paid back by automatic withdrawal from the borrower’s active bank account on the date repayment is due. It’s essential to plan ahead properly and make sure the funds are available on the agreed repayment day.

Otherwise, it may cause repaying additional penalty fees. Considering this fact, it’s better to repay the loan at once in order to avoid possible high-interest rate.

©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.