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How long does an online payday loan take to process?

The whole process will take a maximum of 5 minutes. It starts with you filling in our online form, after that, you will be taken to a holding page whilst we go off and look for a suitable lender who will accept your  loans based on the information you submitted.

If accepted you will be contacted in as little as 24 hours. The funds will then be deposited into the account you specified on your application.

Payday Loans Online The Same day?

Onepayday’s online payday loans can result in cash the same day . If not the same day we will have the cash banked by the next business day. If you apply early in the day we can really get you cash the same day!
Do not visit the traditional loan store only to be rejected for your payday loan. They may not be suitable for you and flat out reject your application.

What is the cut off point for same day loans?

  1. Online Loans ordered by 11:45 A.M Monday-Friday should result in cash the same evening
  2. Payday Loans ordered after 11:45 A.M Mon-Fri should result in cash deposited the next business day.
  3. Payday Loans ordered Sat-Sun should result in cash deposited the next business day.
  4. Online Loans ordered during public holidays in the USA should mean deposited the next business day

What is the eligibility for payday loans?

  1. You must be 18 years or older
  2. You must be a citizen of the United States of America
  3. You must be able to prove your employment and employer
  4. You must have a bank account capable of receiving direct deposits

If you meet those 4 requirements then chances are you could be approved for financing with no problems.

If you are ready to get started go ahead and fill out the simple  application here above. Otherwise, feel free to keep reading or call our toll free number to ask one of our representatives any questions you may have.

What happens if I cannot pay back my online loan?

In reality, a borrower will only face a penalty if they do not pay back their loan on time. Online Lenders are not bad people because they impose these penalties – they are merely business owners that expect to be paid back on time.

With us you will be able to review all of your loan documents before signing or agreeing to anything. This means that you will know exactly when your loan will be due to be paid back so you won’t have to worry about accruing penalties. If you take out multiple payday loans you could end up in a debt cycle. If you get in such a situation you can use our payday loan consolidation.

Are Payday Loans Online Quick?

The application is quick and simple, it will only require you to give a bit of personal information, some general notes about the amount of your online payday loans, and a bit of information about your employment.

Where to Find Legitimate Online Lenders?

If you are searching for one of the best internet lenders then look no further. At we offer borrowers up to $1000 dollars and the requirements are simple.

Why payday loans win over direct payday lenders?

A storefront location takes too much time and you may have to stand in line. It could take an hour to see a representative and the process is not easy unless you have done it previously.


Why do Payday Loans have a bad reputation?

Payday Loans are sometimes followed by a bad reputation, but the truth is that they really can help. One of the main reasons that people seem to dislike this form of borrowing is because of the high interest and/or penalties that they sometimes carry with them.

The advantages of an online payday loan

  • Fast approval times- possible to get cash the same day
  • No hard credit checks
  • Can spend your online loan on anything you like
  • Transparent charges up front before you sign
  • Phone or online applications
  • Roll-over of loans possible


No credit checks and online loans

Real payday loans online with no hard credit checks and fast approval enable you to avoid the lines. Fill out our online payday to see if you can get a payday loan! The duration is only a few minutes in the comfort of your own living room. You can also check out installment loans that have similar attributes but are paid back monthly.

Why banks are more difficult for loans

Banks and other lending firms usually conduct a thorough background check to see if the person has good credit standing.

This is to ensure that the borrower has the capacity to pay back the loan especially for certain types of loans that do not have collateral or those that are considered to be high-risk loans.

Online loans are quicker than store loans

Some old style payday advance direct lenders can take a long time to process your loan which can result in a delay of a couple days to get cash. With OnePayday we pride ourselves on using the latest loan technology to get you cash quickly.

Payday Loans For Bad Credit

Online loans from Onepayday are and easy and surefire way to get money as soon as the same day

I have bad credit can I apply for a loan?

What happens if you have a bad credit history? Can you still apply for a loan? Bad credit online loans may be the best option for you.

Some people may think that just because of the poor credit scores, they can no longer get a loan. But there are lending firms that offer loans even if the borrower has bad credit.

What is a bad credit loan online?

You often hear the expression “bad credit”. But what does it really mean? How do you know if your credit score is a good one or a bad one?

Companies calculate scores and make a breakdown based on different factors which include payment history, the amount owed, length of credit history, credit mix, and new credit.

Bad credit loan laws vary per state but in general the documentation required is similar.

Bad credit scores explained

If your credit score is 700 and above, you have excellent credit standing. From 620 to 699, it is considered to be okay and good credit score. However, if you fall below this level, it is already considered to be a bad score. If a borrower has a credit score of 499 below, the borrower is considered to have poor credit.

Online Loans Bad Credit

If you have been consistently missing paying your credit card on time, your score will surely decline. If you apply for loans and then have late payments or even a default, this can significantly affect your rating. If this continues, your credit score will continue to drop until you will have a hard time having access to credit in particular from traditional lenders as they are considered to be really strict when it comes to a borrower’s credit score.

Types of Bad Credit Loans

Just because a borrower has a bad credit does not mean that there are no credit options available. The options may be fewer and less desirable, but there will still be options. For bad credit loans, there are two types which include the following:

Secured Bad Credit Loan

With a secured bad credit loan, it means that the borrower needs to have collateral. Borrowers getting a secured bad credit loan is aware of the risk that comes with this kind of loan as it means completely giving up your asset ( a car or a property) in the event of non-payment. Loan and finance lending firms offer this type of loan.

Unsecured Bad Credit Loan

The other type of bad credit loan is an unsecured loan which is the opposite of the previous one. There is no need for you to have collateral. Unsecured loan online is usually easy and fast to process. The only downside is that since this loan is considered to be quite risky, you may expect that the interest rate is quite high compared to other types of loans.

How to Apply for a Payday Loan?

Getting a loan is quite fast and easy. You don’t have to deal with a lot of paperwork and you don’t have to fall in line. There are online lending firms that allow you to submit your loan application online. All you have to do is to fill out the form and provide the necessary details required from you. Very soon, you will know if your application has been approved. Once your loan is approved, the lender deposits the money straight into your bank account.

Online Loans Bad Credit

Bad Credit Loans- Safe or Dangerous?

The question as to whether an online loan for bad credit is safe or dangerous would have to depend on various factors. Now, some lenders will not even check your credit score. You may think that this can be a good thing. But it is not an indicator that the lender is giving a responsible loan. This will only lead to problems later on.

How Do You Find the Right Online Loan for Bad Credit?

Here’s a checklist of the things that you have to consider:

  1. The lender should have the license to operate its lending business. First and foremost, a lending firm without any license is already a shady operator. The lender should have the license in order for you to ensure that it is indeed legitimate.
  2. Read and examine the terms and conditions. It is very crucial for you to find a lender that can give you clear details pertaining to the terms and conditions of the loan. Some lenders may have hidden fees and unclear costs that will make your borrowing much more expensive.
  3. Your lender should be transparent. A reliable lender is willing to provide every single that you need and they will also guarantee to protect your personal information.

Benefits of Our Payday Loans Service

On our website, the process of applying for and receiving your advance is very simple. You will never have to wait in line, all of your loan paperwork is completed electronically, and perhaps most importantly our “storefront” is never closed!

Get Your Payday Loan Online Now!

Once the application is approved and your loan documents have been signed and received by the lender you could see the funds in your account within 1 business day.

If this sounds like something that would help you right now then don’t hesitate; call our toll free number today to speak with a representative or jump start the process by filling out the online application.

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