Best Payday Loans (2017)

Welcome to Pdlenders.com. The home of independent ratings for payday loans. We focus on speed and approval rates. Our goal: Approved payday loan with fast payout for you.

Your state:
Lender Amount Payout Cost of Credit Repayment Terms States Facts
Min: $200
Max: $2,500
In some cases same day deposit
Decision Time: 90 seconds
Cost: $30 - $750
No Penalty for Early Payoff
43 Bad credit OK
Required age: 18+
High acceptance rates
Min: $100
Max: $1,000
In some cases same day deposit
Decision Time: 90 seconds
Cost: $15 - $300
No Penalty for Early Payoff
45 Bad credit OK
Required age: 18+
High acceptance rates
Founded 2012

(Installment Loan)
Min: $500
Max: $10,000
In some cases same day deposit
Decision Time: 90 seconds
Individual rates
No Penalty for Early Payoff
49 Bad credit OK
Required age: 18+
High acceptance rates
Founded 2009
Min: $100
Max: $1,000
In some cases same day deposit
Decision Time: 90 seconds
Cost: $15 - $300
No Penalty for Early Payoff
43 Bad credit OK
Required age: 18+
High acceptance rates
Need a bigger loan? Personal loans up to $35,000 »

Average decision time:
Average time from completed application to credit decision. Yes or no. Most lenders calls you on the phone after application so be prepared to answer.

Average decision time

Approved for a loan

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Amounts and costs might vary for different states.

Payday Loans: Explained

Payday loans help cushion your wallet when you’re running low on cash before your next paycheck. Whether you need to get your car fixed or pay an unexpected medical bill, everyone sometimes need some quick cash, and payday loans are one way to do it. These small, short-term loans are usually due on your next payday, hence the name. But what does getting a payday loan actually entail? Read on to learn the ins and outs of payday loans so you can make the most informed decision for your finances.

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Payday Loan Features
Most payday loans last two weeks or less, since you usually repay the loan when you receive your next paycheck. Unlike other personal loans, payday loan amounts are small, about $500 or less. Most lenders offer several options for paying you, either by giving you cash or a check, providing you with a prepaid debit card, or doing a direct deposit straight into your checking account.

Depending on the lender, you may be required to give them access to your checking account or pre-date a check for the date the loan amount comes due. You can also choose how you want to repay the loan, whether you want to pay the full amount on a specified date or make payments on the interest over an extended period of time. Talk to your lender about the different options available.

Who Should Get a Payday Loan?
Anyone needing a small cash advance is eligible for a payday loan. It’s an especially convenient option if you don’t have a credit card or a savings account. You don’t even need a credit check – lenders usually just require a checking account to qualify.

Who qualifies?
Anyone over 18 can apply. But Payday loans are generally easiest to secure from age 20 and over, and you need a monthly income over $1500. Lower is possible also, but chances to qualify are lower. You can also try a personal loan, longer repayment time and loans from $500. Requirements are similar to those of Payday loans. All of this is also subject to state laws, but these are the general rules.

How to Find a Lender
Depending on where you live, you likely have access to a payday loan store nearby. Speed up the process by applying online before heading to the store to pick up your cash, use one of our listed lenders above. Or you might be offered a loan directly, this is convenient because you don’t even have to leave the house to apply and receive your funds. Loan terms and conditions vary depending on the lender, so shop around for the best deal before making a decision.

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