Online Payday Loans | Fast Cash Loans for Emergencies

Payday loan products are very short-term loans that are processed very fast. They are fee-based loans, and the loan fee will depend on the state where you live. The repayment term is usually your following payday or within one month. These loans can be helpful when a new financial crisis arises. 

What do I need to be eligible for a payday loan online?

You should have, 

  • an email address
  • income of over $1,000 a month
  • an open bank account
  • email address and cell phone number (land line ok) 
  • ID proving you are a citizen or legal resident.

What are the features of payday loans online?

  • Online Payday loans are unsecured loans – no collateral required,
  • Loan amounts are based primarily on your ability to repay the loan on time,
  • No hard credit check is required,
  • Typical funding is in just one business day,
  • You can request a loan 24/7 and 365 days a year,
  • There is no faster way to obtain a loan.

However, you should know that loan terms and regulations vary from state to state.

How much money can I get?

Every state has their own laws and regulations. Most states limit payday loans online to a $500 maximum loan amount. There are some states that allow up to $1,000 loans. In addition, you can request an installment loan. These loans have higher limits, typically starting at $1,000, and longer payback periods. But they are more difficult to qualify for.

What are the steps for getting money?

It is actually quite simple, safe and easy to do. Complete the online loan request form completely, hit the ‘submit’ button, wait for 5 to 90 seconds to get an answer. If approved, you will be connected directly to your lender. You should expect to spend 10-15 minutes finalizing the transaction.

Can I get my payday loan online the same day?

It is possible a loan could be deposited the same day if you apply by 10 a.m. EST. However, most lenders do not offer this service. Getting your money in one business day is standard practice. If you apply on a weekend the loan deposit date will be Monday. You should not expect to get loans funded on holidays and weekends as banks are closed those days.

What are the cut-off times?

There are no set cut-off times or days to request an online payday loan. You can do so 24/7 and 365 days a year. However, more lenders are working on non-holiday weekdays than any other time so try to submit your loan request from 7am to 6pm from any time zone.

Do your online payday loans have credit checks?

No. Payday loan lenders do not perform hard credit checks like traditional lenders. Instead, they rely on database and data referral networks to check your information. Also, your current income is a big factor in getting approved as it best indicates your ability to repay the loan. Your credit scores are not impacted by a request for an online payday loan.

Are there restrictions on what I can use my payday loan for?

You can use your online payday loan for any purpose you choose. There are no limitations. But we strongly recommend that you only get a loan if you have an emergency situation or expense. Payday loans are not intended for taking trips or other non-essential expenses.

Can I have more than one online payday loan at any time?

This depends on where you live as each state has different laws governing these loans. Most states do not allow you to have more than 1 loan at a time. They do this to protect you from getting too much in debt. As with all laws for where you live, you can check your state’s website where this information is available to you.

CashinaMoment has a large referral network of direct lenders for payday loans online. We are open 24/7 and 365 days a year. When you need urgent, emergency money, consider requesting your online loan with CashinaMoment.

You can get Started Now with CashinaMoment if you need an online payday loan.

category: Online Payday Loans


Allison Bieghler

Allison Bieghler is a Manager at CashinaMoment, a leading online payday loan referral service, providing convenient, fast, and secure online payday loans to its clients. CashinaMoment connects its clients with its vast network of licensed, direct lenders to get quick cash loans for emergency situations. Allison has extensive experience in the financial sector, specializing in the lending industry and administrative management. She is also well-versed in customer service, client services, and various payday lending industry functions.She has been working tirelessly with the organization to help people with everyday jobs and credit problems get cash when they need it most.

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