Money When You Need It
Get the quick cash you need with a payday loan from Payday Success – it’s fast, simple and takes only a couple of steps. Our service is here to connect consumers with a vast network of short-term loan providers that may be able to assist with your financial needs.
- Get a Decision in Minutes
- Bad Credit OK
- Safe and Secure
- No Obligation
How It Works
Use our easy 2-step submission process and we select a product for you from one of our participating lenders.Read More
Rates & Fees
Fill out our risk-free application and receive your personalized loan offer instantly!Read More
View answers to common questions you might have about loans.Read More
Note: Rates and fees may vary by state and by lender.
The Lowdown on Payday Loans
A payday loan is a short-term credit agreement where a relatively small cash advance is provided to help the borrower pay for unexpected expenses, for example a household emergency or a vehicle repair. You can typically borrow between $100-$1000, which needs to be paid back in full plus interest at the end of the agreement period (usually the next payday). There are however medium term installment loans and payday loan extension options with some providers. Also known as cash advance loans, payday loans are not revolving lines of credit, and they should only be used only when absolutely necessary.
What it Costs
The cost of your payday loan will depend on the lender you go with, the amount you borrow and the length of the loan term. The Annual Percentage Rate (APR) and other fees are disclosed during the submission process, and most providers give you a clear account of exactly how much you need to pay back.
Based on the fees and charges of our payday loan providers, you can expect to pay up to $30 per $100 borrowed for every 14 day period. Depending on the provider and the terms of the loan in question, the APR could be anything from 261% to 1825%.
Representative example: You borrow $200 over a 14-day period with an APR of 456.25%. You pay a fee of $17.50 per $100 borrowed, equaling a total fee of $35. When you payday arrives, you pay back $235. Please visit our fees page for detailed information.
Fill out PayDaySuccess's simple and secure online submission form.
PayDaySuccess selects a suitable product for you from a participating lending partner based on your submission and lender requirements.
On the lender's website, carefully review the loan terms and conditions and sign the contract. Cash is then deposited in your account.
How Much Can You Borrow?
Most payday loan providers offer between $100 and $1000, and the amount you are able to borrow will depend on employment factors (such as the amount you earn) and your personal status. It is really fast and simple to see if you are able to qualify, and once approved your payday advance will be wired into your bank in next to no time. There is little wonder why people call them instant payday loans.
Will You Qualify?
If you meet the following criteria, chances are you will qualify for a payday loan.
- Resident of the United States
- Over the age of 18
- Receive regular income (monthly minimum of $800)
- Hold a bank account
For the vast majority of providers there is no need to provide physical documentation to prove your status. If however the provider deems the data you have provided to be false or questionable, they may ask you to fax such information.
Note that even if you have a poor credit history or have faced bankruptcy in the past, you may still qualify for quick cash with a payday loan. Most lenders do not take your credit history into consideration, and this is in-fact why they are often able to offer such a quick service.
Submitting Details for Multiple Loans
Payday loans are designed for emergencies, to be used rarely and only when absolutely necessary. They are a short term solution to a short term problem, and the less you commit to them the better. We discourage anyone from taking out multiple payday loans at the same time.
Do We Offer Payday Loans?
PayDaySuccess.com is a payday lending finder service, and not a direct provider of payday loans. This means that all terms related to your borrowing are between you and the lender, not between ou and us. Different lenders will have their own policies and operate their own loan terms and repayment schedules.
If You Cannot Pay Your Loan
PLEASE NOTE: IN DISHONORING A LENDING AGREEMENT, ANY CONTRACTUAL AND/OR LEGAL ACTION WILL BE MADE BY THE LENDER, AND NOT PayDaySuccess.com. ALL APPLICABLE POLICY IS THAT OF THE LENDER, AND NOT PayDaySuccess.com.
Non-payment: Failure to pay back a payday when formally agreed may result in additional fees.
Late payment/partial payment: If the total amount to be repaid is not paid back on the date agreed, the lender may or may not extend the term of the loan, and/or issue extra financial charges. This may be a ‘flat fee’, or a variable charge may be applied with respect to the money owed. Make sure to read through the late payment policy in the loan documentation during the submission process.
Loan renewal: Some lenders offer extensions and renewals for people who cannot pay back their loan on the previously agreed date. For every extension or renewal that is made, a finance charge will apply (often called the ‘extension fee’). The new repayment date is usually the borrower’s next payday. Based on a 14-day term, extension charges range from roughly $12 to $35 for each $100 borrowed depending on the lender.
Collections: The collection procedures and practices of any lenders and/or related clients will always be within the confines of the law and federal regulations. In the process of collecting loan money, lenders may try to get in contact with borrowers in a variety of authorized methods, such as by phone and email.
Your Credit Score:Aside from the actions described above, lenders may also report missed payments or late payments to the major credit bureaus. This information will be added to your credit report, and may negatively impact your credit score.