Instant Decision Payday Loans

When you need cash in a hurry, the last thing you need to be doing is getting in your car and driving to a bank for a traditional loan. You need money immediately!

Do not wait any longer to get the immediate financial assistance to pay for your emergency expenses and apply for instant decision loans now.

You must read and agree to TermsPrivacy PolicyRates and Fees before submitting a loan request.

Instant Payday Loans Online

Instant decision payday loans are a fast and easy way to get cash in an emergency. Similar to traditional in-store cash advances, they provide you with relief from a financial crisis, but the approval for such loans is much faster, though it can not be guaranteed!

Instant loans should be repaid with the next paycheck and can be used by borrowers who need fast access to loan amounts from $50 to $1,000.

Instant decision loans are designed only for use in an emergency situation for short term financial needs. Don’t use them for paying your regular monthly bills and expenses. Consider a payday loan with an instant decision if your paycheck is late, or you have an emergency medical bill or automotive expense which will end up costing more if you do not pay right away.

Get Cash as Soon as Next Business Day

Apply for the money you need by the day you need it. Instant approval payday loans follow these cut-off times for next business day funding:

1. Your online loan application is received and approved from Monday through Friday. Your funds should be available the next business day.

2. Your online application is received and approved Saturday or Sunday. Your money will be available on Monday.

3. Your loan application is received on a bank holiday. The funds are deposited on the next business day.

Instant decision payday loans online are processed in minutes so that you don’t have to worry about getting your money in time to cover your emergency. We strive to provide the best instant approval online payday loans experience possible! A payday advance, as well as installment loans, are available for people with bad credit score as well. Since we care about your credit history, the payday lenders we work with, do not run any hard credit checks.

Easy Application Form

Fast, simple application process without faxing, paperwork, and waiting in lines.

Immediate Loan Decision

Our direct lenders send an instant decision on a loan application.

Safe, Convenient, and Secure

Your data is securely protected and used only to find the right lender for you.

Quick Funding

Once approved, the cash is quickly transferred into your checking account on the same or next business day.

How to Qualify for Instant Loans?

The general requirements to qualify for an instant loan are:

  • All borrowers must be at least age 18 and have U.S. citizenship or permanent residence;
  • Have an active bank account with a direct deposit option;
  • Provide a valid phone number, e-mail address, and verifiable source of income.

How Instant Payday Loans Work?

We make it as fast for you to get money when you need it. The entire process from filling out the instant payday loan application to getting your cash is quick and easy.

#1
Apply Online.

The loan application process is simple; you fill out a quick online form instantly without leaving the house. You will be asked to provide personal information that includes your name, home address, employment history, phone number, bank account information, and more. Payday lenders might request additional information if they need more details.

#2
Find out if you qualify with an immediate loan decision.


Our network of licensed direct lenders gives you an almost instant decision on loan approval. Since the online loan application is open 24/7, you will know your application status instantly. 

#3
Accept an instant payday loan offer and sign the loan contract.


If approved, review the loan terms and conditions and e-sign the loan contract, or reject it and look for another offer.

#4
Receive your funds through direct deposit within 24 hours.


After signing the online loan agreement, you may receive your money within one business day.
Some lenders may even offer same-day funding.

#5
Repay your instant payday loan.

Payday loans are short term loans and need to be repaid with your next paycheck. When you select an offer, you will have a chance to review the loan amount and loan terms to decide whether you are comfortable with the stated timeline.

Important Note: Rolling over or renewing your payday loan means that you pay an extra fee to extend or delay the loan repayment. The fees do not reduce the loan amount as you still owe the rollover fees and the principal as well. This option is usually available to borrowers who cannot afford to repay the loan in its due time. We recommend avoiding rollovers.

Why Choose OnlineLoansYouNeed for Your Instant Cash Needs

OnlineLoansYouNeed collaborates with a large network of reliable online lenders, who are willing to lend instant cash advance to borrowers with bad credit. As they do not run a credit check with the traditional credit bureaus, this does not harm one’s FICO score. The direct lenders will offer you all the information that you need, including fees, so you know what you’re getting beforehand. You can rely on OnlineLoansYouNeed to connect you with the right payday lenders that offer better terms and conditions.

If you opt for bank loans, there’s generally more paperwork and credit requirements. There’s also the wait that could take a week or more time before you get the money. For those with bad credit, loans with no traditional credit check through OnlineLoansYouNeed is a possible option, while when going through a bank is not.

Your geographic location is not a factor because we operate in all fifty U.S. states. We can serve those who could be declined for a traditional loan and who need a source of emergency funds without the concern of overpaying for an instant payday loan online. Our customer service department is ready to respond to any questions you might have about instant cash advances!

Instant Payday Loans Online

Apply now and get an instant decision on loan approval!

You must read and agree to TermsPrivacy PolicyRates and Fees before submitting a loan request.

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.