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Getting a payday loan used to be a hassle. You had to find the lending office, drive there, wait in line, and fill out paperwork. Then, you had to drive all the way back to repay the loan. But things have changed.
Today, you can get payday loans online from a variety of lenders. Without leaving your house, or even your couch, you can get fast cash deposited right into your bank account. These can be a huge help when you have urgent short term financial needs.
Sounds interesting? Learn more about how to get a payday loan online and if it might be the right fit for you.

Payday Loans Near Me | Where Can I Get A Payday Loan?
If you’re looking to apply for a payday loan, MoneyZap can easily connect you with reputable lenders across the United States. Our lender network contains top lenders who have quick and affordable solutions for all types of borrowers.
Terms and regulations vary depending on your location because each state enforces its own payday loan laws. For example, some states have differing annual percentage rates (APRs) and amount caps, while others, such as New York, Arizona, and Maryland, have made payday loans illegal altogether. That’s why the most effective and easiest way to find trusted payday lenders near you is by using our service!
What Are Online Payday Loans?
Online payday loans are small loans you can get from online lenders that come with a short term and a single repayment. You typically apply on the lender’s website and receive the loan funds via a direct deposit into your checking account. Then, you usually repay the balance on your next payday by allowing an automatic withdrawal from the same bank account. The total repayment amount will include the loan amount plus fees and interest (based on your assigned annual percentage rate).
These loans evolved from the payday loans offered by brick-and-mortar institutions in the past. Lenders originally required borrowers to visit their location and write a post-dated personal check which they would cash on the borrower’s next pay date.
How Do Online Payday Loans Work?
It’s simple! You apply online and the lender evaluates your financial situation. Upon approval, you are sent the payday loan amount for which you are approved. The amount can vary based on your state’s laws, the lender’s loan limits, and your creditworthiness.
Lenders typically direct deposit the loan into your checking account. At that point, you can use the funds for whatever purposes you want whether it’s a car repair, a bill, or something else. Then, you repay the loan from your bank account on the due date provided by your lender.
The total amount due will include the funds you borrowed plus any fees or interest you were charged. But don’t worry, there shouldn’t be any surprises. Lenders have to disclose all of the costs to you upfront on the loan agreement before you can agree to take the loan.
Where Are Payday Loans Legal?
Payday loans are allowed in all but 11 states, which include:
- Arizona
- Arkansas
- Connecticut
- Georgia
- Maryland
- New Jersey
- New York
- North Carolina
- Pennsylvania
- Vermont
- West Virginia
- They are also illegal in the District of Columbia
While you can get payday loans in the other 39 states, many have regulations restricting loan amounts, terms, and APRs. You can learn more about the loan amounts by state below.
How Much Can You Borrow With An Online Payday Loan?
The amount you can borrow with an online payday loan depends on your state’s laws. In most cases, the maximum loan amount is around $500. However, some states have higher limits of $1,000, $2,000, and even up to $50,000 (in Oregon). Find the maximum loan limit for your state in the chart below.
State | Are Payday Loans Legal? | Maximum Payday Loan Amount |
---|---|---|
Alabama | Yes | $500 |
Alaska | Yes | $500 |
Arizona | No | Prohibited |
Arkansas | No | Prohibited |
California | Yes | $300 |
Colorado | Yes | $500 |
Connecticut | No | Prohibited |
Delaware | Yes | $1,000 |
District of Columbia | No | Prohibited |
Florida | Yes | $500 |
Georgia | No | Prohibited |
Hawaii | Yes | $600 |
Idaho | Yes | $1,000 |
Illinois | Yes | $1,000 (income may further restrict the limit) |
Indiana | Yes | $550 |
Iowa | Yes | $500 |
Kansas | Yes | $500 |
Kentucky | Yes | $500 |
Louisiana | Yes | $350 |
Maine | Yes | None |
Maryland | No | Prohibited |
Massachusetts | Yes | None |
Michigan | Yes | $600 |
Minnesota | Yes | $350 |
Mississippi | Yes | $500 |
Missouri | Yes | $500 |
Montana | Yes | $300 |
Nebraska | Yes | $500 |
Nevada | Yes | Income-based |
New Hampshire | Yes | $500 |
New Jersey | No | Prohibited |
New Mexico | Yes | $5,000 |
New York | No | Prohibited |
North Carolina | No | Prohibited |
North Dakota | Yes | $500 |
Ohio | Yes | $1,000 |
Oklahoma | Yes | $500 |
Oregon | Yes | $50,000 |
Pennsylvania | No | Prohibited |
Rhode Island | Yes | $500 |
South Carolina | Yes | $550 |
South Dakota | Yes | $500 |
Tennessee | Yes | $500 |
Texas | Yes | $200 |
Utah | Yes | None |
Vermont | No | Prohibited |
Virginia | Yes | $2,500 |
Washington | Yes | $700 ((income may further restrict the limit) |
West Virginia | No | Prohibited |
Wisconsin | Yes | None |
Wyoming | Yes | None |
Source: National Conference of State Legislatures
As you can see, the amount you can borrow through a payday loan will depend on your state. Are you just looking for a small loan amount? Check out the $200 loan and $300 loan options.
How Do You Qualify For An Online Payday Loan?
While online payday loans are easier to get approved for than traditional loans, there’s no such thing as 100% guaranteed payday loans. Here are the common requirements you’ll encounter.
Applicants typically must:
- Legal age: Be at least 18 years old.
- Citizenship: Be an American citizen or a permanent resident.
- Active checking account: Have an active checking account in your name that has been open for a minimum amount of time (minimum length can vary by state).
- Address in the state: Live in the state where you're requesting the payday loan.
- Working phone number: Have a working phone number.
- Active email address: Have an email address you can verify.
- Valid social security number or taxpayer identification number: Have a valid social security number or taxpayer ID.
- Proof of income source: Have a source of recurring income from employment, retirement, disability, or another source.
- No active bankruptcy: Have no open bankruptcies.
- No active-duty members: Not be active duty service members in the Army, Navy, Air Force, Coast Guard, or Marine Corps (or their dependent spouses).
Along with meeting a lender’s eligibility requirements, you will also need to agree to its electronic disclosure and privacy policy.
Do Online Payday Loans Require Credit Checks?
While many online payday lenders won't process a hard inquiry on your credit report, they will often check your credit information with one of the national databases (Experian, Transunion, Equifax, etc.). Lenders can perform what's known as a soft inquiry which enables them to see your credit information without hurting your credit score. They'll usually consider the information they find when deciding whether to approve or deny your online payday loan. Derogatory marks like missed payments, loan defaults, liens, or bankruptcies could hurt your chances of approval. However, keep in mind that some lenders are more lenient than others.
Can I Get A Payday Loan With Bad Credit?
Bad credit loans do exist. Credit scores that are 579 or lower are considered “poor” or “bad.” If your score currently falls into this range, don’t discount your shot at a loan just yet. Some lenders specialize in helping borrowers like you to get the funds you need. While it’s not a sure bet, it’s worth a shot. Additionally, if you have credit difficulties, credit counseling can help you boost your credit score as quickly as possible.
Can I Get A Payday Loan With No Credit Check?
Looking for no credit check loans? Most online payday lenders do check your credit, even though it won’t hurt your credit score. Being so, if you want a loan without undergoing any credit check, your best bet is to go into a physical branch that offers payday loans. However, it’s worth applying online first to see if you can save yourself a trip.
What Should You Expect From The Online Payday Loan Application Process?
The online application process for a payday loan can be very quick and easy. You’ll need to answer a few basic questions about yourself and your finances. Often, that includes providing your name, address, birthday, social security number, employment details, income amount, house payment, and phone number.
Once you provide all the required information, the lender will evaluate your situation to see if you meet its requirements. This often involves a soft credit check. The amount of risk you present will influence whether you get approved or not. It will also impact your loan amounts, interest rates, and fees. You can usually get an answer within minutes and, upon approval, can have the funds in your account in as little as one business day.
Which Online Payday Loans Are The Best?
The best online payday loans are going to have a few features in common, including:
- Easy application: You should be able to easily apply online within a few minutes. No confusing directions or tedious verifications.
- Competitive pricing: The cost of your loan should be reasonable and competitive. It can help to get a few quotes and compare them to see which is best.
- Fast funding: When you need a payday loan, the situation is often urgent. Look for a lender that can get you approved and funded as quickly as possible.
- Good customer service: Lastly, you’ll want a lender that provides good customer service in case you need any kind of help or support. Check a lender’s customer support channels and how they fare in reviews from past borrowers.
Overall, your online payday loan experience should help you get the funds you need as quickly as possible. The loan should also be reasonably priced so you can pay it back on time and move on with your life.
What Should You Do If You Get Rejected For An Online Payday Loan?
Do you keep getting rejected when applying for online payday loans? Apply with us! We have a wide network of online lenders that cater to all types of borrowers in many types of situations. Whether you have good or bad credit, low or high income, we’ll do our best to find you the right match. It only takes a few minutes to get an answer. Plus, if payday loans don’t end up being a fit, we may be able to find you another type of loan that could help such as title loans, cash advances, or installment loans.
See What You Get Approved For In Minutes!
Getting a payday loan used to be a hassle. You had to find the lending office, drive there, wait in line, and fill out paperwork. Then, you had to drive all the way back to repay the loan. But things have changed. Today, you can get payday loans online from a variety of lenders. Without leaving your house, or even your couch, you can get fash cash deposited right into your bank account. These can be a huge help when you have urgent short term financial needs. Sound interesting? Learn more about how to get a payday loan online and if it might be the right fit for you.
Want to jump ahead?
- Where can you get a payday loan online?
- What are online payday loans?
- How do online payday loans work?
- Where are payday loans legal?
- How much can you borrow with a payday loan?
- How do you qualify for an online payday loan?
- Do online payday loans require credit checks?
- How does the application process work?
- How do you find the best online payday loan?
- What should you do if you get rejected?
Payday loans near me | Where can I get a payday loan?
If you’re looking to apply for a payday loan, MoneyZap can easily connect you with reputable lenders across the United States. Our lender network contains top lenders who have quick and affordable solutions for all types of borrowers.
Terms and regulations vary depending on your location because each state enforces its own payday loan laws. For example, some states have differing annual percentage rates (APRs) and amount caps, while others, such as New York, Arizona, and Maryland, have made payday loans illegal altogether. That’s why the most effective and easiest way to find trusted payday lenders near you is by using our service!
What are online payday loans?
Online payday loans are small loans you can get from online lenders that come with a short term and a single repayment. You typically apply on the lender’s website and receive the loan funds via a direct deposit into your checking account. Then, you usually repay the balance on your next payday by allowing an automatic withdrawal from the same bank account. The total repayment amount will include the loan amount plus fees and interest (based on your assigned annual percentage rate).
These loans evolved from the payday loans offered by brick-and-mortar institutions in the past. Lenders originally required borrowers to visit their location and write a post-dated personal check which they would cash on the borrower’s next pay date.
How do online payday loans work?
It’s simple! You apply online and the lender evaluates your financial situation. Upon approval, you are sent the payday loan amount for which you are approved. The amount can vary based on your state’s laws, the lender’s loan limits, and your creditworthiness.
Lenders typically direct deposit the loan into your checking account. At that point, you can use the funds for whatever purposes you want whether it’s a car repair, a bill, or something else. Then, you repay the loan from your bank account on the due date provided by your lender.
The total amount due will include the funds you borrowed plus any fees or interest you were charged. But don’t worry, there shouldn’t be any surprises. Lenders have to disclose all of the costs to you upfront on the loan agreement before you can agree to take the loan.
Where are payday loans legal?
Payday loans are allowed in all but 11 states, which include:
- Arizona
- Arkansas
- Connecticut
- Georgia
- Maryland
- New Jersey
- New York
- North Carolina
- Pennsylvania
- Vermont
- West Virginia
- They are also illegal in the District of Colombia
While you can get payday loans in the other 39 states, many have regulations restricting loan amounts, terms, and APRs. You can learn more about the loan amounts by state below.
How much can you borrow with an online payday loan?
The amount you can borrow with an online payday loan depends on your state’s laws. In most cases, the maximum loan amount is around $500. However, some states have higher limits of $1,000, $2,000, and even up to $50,000 (in Oregon). Find the maximum loan limit for your state in the chart below.
State | Are Payday Loans Legal? | Maximum Payday Loan Amount |
---|---|---|
Alabama | Yes | $500 |
Alaska | Yes | $500 |
Arizona | No | Prohibited |
Arkansas | No | Prohibited |
California | Yes | $300 |
Colorado | Yes | $500 |
Connecticut | No | Prohibited |
Delaware | Yes | $1,000 |
District of Columbia | No | Prohibited |
Florida | Yes | $500 |
Georgia | No | Prohibited |
Hawaii | Yes | $600 |
Idaho | Yes | $1,000 |
Illinois | Yes | $1,000 (income may further restrict the limit) |
Indiana | Yes | $550 |
Iowa | Yes | $500 |
Kansas | Yes | $500 |
Kentucky | Yes | $500 |
Louisiana | Yes | $350 |
Maine | Yes | None |
Maryland | No | Prohibited |
Massachusettes | Yes | None |
Michigan | Yes | $600 |
Minnesota | Yes | $350 |
Mississippi | Yes | $500 |
Missouri | Yes | $500 |
Montana | Yes | $300 |
Nebraska | Yes | $500 |
Nevada | Yes | Income-based |
New Hampshire | Yes | $500 |
New Jersey | No | Prohibited |
New Mexico | Yes | $5,000 |
New York | No | Prohibited |
North Carolina | No | Prohibited |
North Dakota | Yes | $500 |
Ohio | Yes | $1,000 |
Oklahoma | Yes | $500 |
Oregon | Yes | $50,000 |
Pennsylvania | No | Prohibited |
Rhode Island | Yes | $500 |
South Carolina | Yes | $550 |
South Dakota | Yes | $500 |
Tennessee | Yes | $500 |
Texas | Yes | $200 |
Utah | Yes | None |
Vermont | No | Prohibited |
Virginia | Yes | $2,500 |
Washington | Yes | $700 ((income may further restrict the limit) |
West Virginia | No | Prohibited |
Wisconsin | Yes | None |
Wyoming | Yes | None |
Source: National Conference of State Legislatures
As you can see, the amount you can borrow through a payday loan will depend on your state. Are you just looking for a small loan amount? Check out the $200 (loan) and $300 (loan) options.
How do you qualify for an online payday loan?
While online payday loans are easier to get approved for than traditional loans, there’s no such thing as 100% guaranteed payday loan(s). Here are the common requirements you’ll encounter.
Applicants typically must:
- Legal age: Be at least 18 years old.
- Citizenship: Be an American citizen or a permanent resident.
- Active checking account: Have an active checking account in your name that has been open for a minimum amount of time (minimum length can vary by state).
- Address in the state: Live in the state where you're requesting the payday loan.
- Working phone number: Have a working phone number.
- Active email address: Have an email address you can verify.
- Valid social security number or taxpayer identification number: Have a valid social security number or taxpayer ID.
- Proof of income source: Have a source of recurring income from employment, retirement, disability, or another source.
- No active bankruptcy: Have no open bankruptcies.
- No active-duty members: Not be active duty service members in the Army, Navy, Air Force, Coast Guard, or Marine Corps (or their dependent spouses).
Along with meeting a lender’s eligibility requirements, you will also need to agree to its electronic disclosure and privacy policy.
Do online payday loans require credit checks?
While many online payday lenders won't process a hard inquiry on your credit report, they will often check your credit information with one of the national databases (Experian, Transunion, Equifax, etc.). Lenders can perform what's known as a soft inquiry which enables them to see your credit information without hurting your credit score. They'll usually consider the information they find when deciding whether to approve or deny your online payday loan. Derogatory marks like missed payments, loan defaults, liens, or bankruptcies could hurt your chances of approval. However, keep in mind, that some lenders are more lenient than others.
Can I get a payday loan with bad credit?
Bad credit loan(s) do exist. Credit scores that are 579 or lower are considered “poor” or “bad.” If your score currently falls into this range, don’t discount your shot at a loan just yet. Some lenders specialize in helping borrowers like you to get the funds you need. While it’s not a sure bet, it’s worth a shot. Additionally, if you have credit difficulties, credit counseling can help you boost your credit score as quickly as possible.
Can I get a payday loan with no credit check?
Looking for no credit check loans? Most online payday lenders do check your credit, even though it won’t hurt your credit score. Being so, if you want a loan without undergoing any credit check, your best bet is to go into a physical branch that offers payday loans. However, it’s worth applying online first to see if you can save yourself a trip.
What should you expect from the online payday loan application process?
The online application process for a payday loan can be very quick and easy. You’ll need to answer a few basic questions about yourself and your finances. Often, that includes providing your name, address, birthday, social security number, employment details, income amount, house payment, and phone number.
Once you provide all the required information, the lender will evaluate your situation to see if you meet its requirements. This often involves a soft credit check. The amount of risk you present will influence whether you get approved or not. It will also impact your loan amounts, interest rates, and fees. You can usually get an answer within minutes and, upon approval, can have the funds in your account in as little as one business day.
Which online payday loans are the best?
The best online payday loans are going to have a few features in common, including:
- Easy application: You should be able to easily apply online within a few minutes. No confusing directions or tedious verifications.
- Competitive pricing: The cost of your loan should be reasonable and competitive. It can help to get a few quotes and compare them to see which is best.
- Fast funding: When you need a payday loan, the situation is often urgent. Look for a lender that can get you approved and funded as quickly as possible.
- Good customer service: Lastly, you’ll want a lender that provides good customer service in case you need any kind of help or support. Check a lender’s customer support channels and how they fare in reviews from past borrowers.
Overall, your online payday loan experience should help you get the funds you need as quickly as possible. The loan should also be reasonably priced so you can pay it back on time and move on with your life.
What should you do if you get rejected for an online payday loan?
Do you keep getting rejected when applying for online payday loans? Apply with us! We have a wide network of online lenders that cater to all types of borrowers in many types of situations. Whether you have good or bad credit, low or high income, we’ll do our best to find you the right match. It only takes a few minutes to get an answer. Plus, if payday loans don’t end up being a fit, we may be able to find you another type of loan that could help such as title loan(s), cash advances, or installment loans.
Most lenders provide multiple loan application options; you can apply to receive a cash advance online or in-person. Loan providers don't usually request collateral or other traditional requirements to approve a payday loan. Applying for online payday loans is simple, fast, and safe. The application process is usually straightforward and doesn't require cumbersome paperwork.
You may be asked to provide information such as:
- Your personal details- Name, address, and phone number
- A valid government ID
- A bank account
- Your social security number
- Proof of recurring income
A payday loan application's requirements may change for each loan provider and each state, so it's important to check what documentation and information each lender requires before you apply, as well as your State's regulations.
Generally, to qualify for a payday loan, you would need to:
- Be at least 18 years old.
- Have a steady income
- Reside in the state of your loan application.
Also, most, if not all, lenders require that you can't be in a current or expected bankruptcy situation.
Because of the nature of payday loans, easy applications, and no collateral involved, lenders' amounts are usually not too high. Most lenders understand that financial needs vary and can provide cash advance for low amounts such as $50, $200, and $300. You would also be able to get as much as $1,000 or $1,500 from various loan providers.
Payday loans may offer you a cash advance, but they come at a cost. As it is with other alternative loan types, payday loans attract relatively high fees and interest rates. Payday lenders charge a percentage on loan amounts borrowed; most times, this would be an amount per $100.
Payday loans are costly, usually costing as much as $15 per $100 and sometimes even up to $30 per dollar. This could mean an annual percentage interest rate of 400% or more for a single payday loan.
The costs associated with a payday loan may vary across states. Interest rates offered by different lenders also differ.
A payday loan is expected to meet short term emergency cash needs. These short term loans are generally costly and come with high fees in the case of repayment default. It is recommended to explore other less expensive loan options, if available.
If you have no other financial leverage to offset unexpected expenses such as car repairs or bills when they fall due, you can consider taking a payday loan. However, these loans should be only be explored. It can be repaid with its interest when due; this is necessary to avoid getting caught up in a situation that requires the loan being continuously rolled over and raking in more fees.
The high cost of payday loans is a major reason people consider them to be a bad option.
You are generally expected to repay a payday loan by your next paycheck. While payday loans may seem easy and quick to obtain, you want to make sure they are paid when due. If you can not repay a payday loan, it could result in higher fees. For instance, when you do not pay back the loan, the lender may use a debt collector's third party services. Debt collectors are known to be aggressive and would hound you incessantly until you repay the loan.
Sometimes, not paying back a payday loan can lead to legal measures and can also hurt your credit score.
While many payday loan providers promise instant approval for payday loan applications, you need to realize that this depends on meeting the lenders' requirements. When you have provided the required information or documentation for a payday loan application, this would be assessed and approved based on satisfactory details.
You can get access to cash on the same day or as fast as in one business day. For this reason, payday loans are usually referred to as same day loans.
If you are concerned that a payday lender would not approve your loan application due to bad credit, you may need to worry less. While a payday lender may check your credit score as part of the application process, they can still afford you a loan even if you have poor credit.
Payday loans are known to provide an alternative option for quick cash to individuals who have bad credit and can't seem to get loans elsewhere.
Some lenders allow you to roll over your loan if you cannot pay it back when the loan is due. Loan providers expect you to pay the loan balance's annual percentage rate, leading to more loan-related costs.
Some states prohibit payday loan renewals or rollovers, so check with your loan provider and State regulations to see if this is applicable.
Having a job is not necessarily a requirement for most loan providers. What payday lenders require is a steady income source either from a regular job or a pension, self-employment, or welfare payments. As long as you have proof of constant income that enables you to pay back a loan, a loan provider may be willing to provide you with a fast cash advance. A Payday loan can provide financial relief for eligible unemployed individuals.
Some lenders may provide short-term loans to active military members and their family members, while others do not. If you are a service member, you need to determine if the loan provider allows applications from those in the military.
It is important to note that certain protections prevent payday lenders from charging high fees and interests to military members and their families under Federal law and a Department of Defense rule. The Military Lending Act (MLA) protects service members from certain practices that waive their consumer protection rights.
Due to the MLA's 36% interest rate cap for short-term loan annual percentage rates, most payday loan providers exclude military personnel and their families from payday loan applications.
If you do not find a lender willing to provide cash advance to you as a military member, you can consider other government and military loans or relief programs such as the Air Force Aid Society, Army Emergency Relief, Coast Guard Mutual Assistance, or the Navy and Marine Corps Relief Society.
If you do not want to draw up a short term payday loan due to the costs or other reasons, you can consider borrowing from family and friends. You can also explore drawing up from your credit card or using an overdraft option from the bank.
Other quick cash options include title loans or installment loans. Note that these options may provide higher cash amounts for a longer period of time but are also expensive. Title loans usually require using your vehicle as collateral.
A key aspect of borrowing money involves searching for cheaper and more available options, especially when faced with a financial emergency. Some alternative options may be available but not promptly. They may not provide instant cash for emergency needs.
Final Thoughts
Payday loans are recommended for short term solutions to financial stress, for moments when you urgently need to repair a household item, fund bills, or even get groceries. However, it is advisable always to pay back these types of short-term loans when due. Payday loans are already an expensive means of borrowing, and defaulting on repayment may lead to even more costly implications.
Use payday loans only to the extent to which you can comfortably make repayments. If you have debt issues, you may need to consider credit counseling or debt consolidation professionals' assistance.
Disclosure: We do not provide loans directly, but we connect you with quick access to top payday loans and similar short-term loan providers.