Getting a Same Day Payday Loan

Do you need a same day payday loan now but your payday is still days or weeks away? Have unexpected bills left you scrambling for cash? Don’t stress! Get a same day payday loan and be back on your feet in no time. A same day pay day loan can get you the cash you need to hold you over till payday, without the hassle of credit checks or bank loan applications. With immediate approval, you can have the cash you need within one business day.

A Same Day Payday Loan Can Save You Money!

We’ve all been there- an unexpected charge to your bank account has left you accumulating pricey overdraft fees or a misplaced bill is hitting you with steep late charges. In situations like these, you can’t afford to wait till payday. You need money now! A payday loan can help. With a same day payday loan, you can get the cash you need in minutes and stop those overdraft fees or late charges, saving you money! Satisfy the following requirements and you are on your way to immediate approval.

• Be 18 years or older
• Be a citizen of the U.S. or a permanent resident
• Have a current job that you have held for at least the past 90 days
• Have a checking account with your name on it
• Provide a working home phone number and e-mail address

Once you have fulfilled the requirements above, you will be eligible of a same day payday loan. Don’t get hit with another late fee- apply for your loan now!

Less Than Perfect Credit?

It can be hard to get the money you need if you don’t have a perfect credit score. No need to worry! Our payday loans are based on your income- and will never require a credit check for approval. Applying at a bank will require a credit check, and only those with great credit get approved. Don’t wait in line at a bank only to get turned down. Apply for a payday loan and get the cash you need now.

Of course, it is important to keep in mind that since this is a loan, a failure to repay can hurt your credit as lenders will be required to report your nonpayment to the major credit bureaus. If you feel you may not be able to repay your loan on time then contact your lender immediately. Your lender will do their best to help you get your loan repaid.

How Much Can I Borrow?

What you can borrow is based on how much you earn. Typically, you can borrow as much as $1,000 or as low as $500. Your lender will review your income entries on your application to determine the exact amount for which you qualify. Before you borrow, you should consider how much it is you need. A same day payday loan will incur interest and processing fees- meaning that the more you borrow the more you will have to pay on your loan. You should only borrow what you need.

When you get approved for your same day payday loan, you might find you got approved for more than you actually need to cover your expenses. It can be tempting to borrow the full amount you were approved for, but you should think this through. Everything you borrow must be paid back- usually by your next payday. If you can’t pay back your loan on time, you could be subject to high penalty fees. Some people even get stuck in what are referred to as “borrowing cycles”, where they start by borrowing more than they need, pay it back at payday, and then have to borrow again just to make up for the additional amount they borrowed. This cycle continues and in the long run will cost the borrower large sums of money from interest and fees.

You Can Have Your Money in Minutes!

People turn to a same day payday loan because of the quickness and convenience of getting the cash needed in the shortest amount of time. If you have an unexpected bill or emergency car repairs then you know you can’t afford to wait to get the money you need to get back on track. A same day payday loan can have cash in your bank account in minutes!

Here is how it all works:

1- Make sure you satisfy the requirements listed above
2- Determine how much money you need
3- Take a few minutes to fill out the short application
4- Get Approved Immediately!
5- Have money directly deposited into your bank account within minutes of your approval

It’s simple, it’s easy, and it’s fast!

Our Site is Trusted and Secure! Get Your Same Day Payday Loan

It’s understandable that you might feel apprehensive about entering your personal information over the internet. With today’s internet crime statistics- you really can’t be too safe! Rest assured that our site is secure, confidential, and protected. Your information goes directly to your lender for review and approval. We value our customer’s privacy and safety. Your protection is our number one priority.

Don’t wait another moment. Get started immediately and have cash in your bank account today. A same day payday loan can bail you out of life’s unexpected emergencies. If you can’t afford to wait till payday, you can find the help you need here with a same day payday loan!

APR – Representative Range Explanation

The annualized interest rate you get charged on a quick cash loan is called the APR, or annual percentage rate. Same Day Payday Loan does not function as a lending service, meaning that it doesn’t handle the disbursement of loans; however, it does actively refer people to lenders who regularly provide cash loans, and never does it charge any fees at all for its service. Being that it isn’t a lender, Same Day Payday Loan cannot give you details on the specific APR that you will see with your loan. Please note that annual percentage rates can vary according to the exact information that you include in your loan request, plus the information that your lender supplies to you.

The lender you end up working with will make sure you get details about the APR, loan finance charges and any additional applicable terms at the time that you are redirected to your loan agreement during your loan request process. For assistance with Same Day Payday Loan–related services of any sort, you can contact us.

The APR attached to a quick cash loan can range from 220 percent to 2,320 percent. The specific APR will depend on how the rate is calculated, plus extra variables such as fees incurred (nonpayment, late fees, etc.), the term of the loan, and loan renewal actions. Please remember that the APR range is definitely not the same thing as your finance charge; the latter will be disclosed by your lender sometime later during your loan request process.

You can see a representative example of a loan’s annual percentage rate range here.

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YOU CAN BORROW $700 FOR 14 DAYS WITH A $40 TO $80 LENDER CHARGE. YOUR ESTIMATED APR WILL BE 148 TO 297 PERCENT.*

Cash loans are somewhat costly in comparison to other loan types. You are not advised to use cash loans as a long-term financial solution; rather, you should only use them in emergency situations.
*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End Calculation: ($40 / $700) * (365 days / 14 days) x 100 = 148.98 percent High End Calculation: ($80 / $700) * (365 days / 14 days) x 100 = 297.96 percent

Important Implications to Consider

Same Day Payday Loan partners only with lenders who always give customers extremely detailed information regarding quick cash loan terms and conditions prior to acceptance of a loan offer. You are advised to always carefully examine the conditions and terms of any loan offer that you get. For additional details regarding these specific considerations, take a look at the Lending Policy and Rates & Fees sections found on this website.

Financial implications (Interest and finance charges)

Should you are approval for a quick cash loan, your lender will make it a point to inform you of the exact fees and interest rate connected to your loan before you formally agree to their offer. As previously stated, Same Day Payday Loan does not function as a lending service, and therefore it simply is not able to tell you what interest rate and fees will be part of the loan offer. Please keep in mind that you are never required to agree to any specific loan offer that you receive.

Implications of non-payment

When you agree to the conditions and terms on a specific loan offer, you basically are agreeing to pay back the finance charge and the loan principal within the amount of time you find specified in your lender’s loan documents. Extra charges could apply if it turns out that you are not able to pay back your loan in full, or if you make a payment after the scheduled due date. Same Day Payday Loan does not have the ability to predict what charges or fees you will be assessed in the event of late payment, partial payment or nonpayment. Also, we do not have any control over knowledge of the specific loan details between you and the lender with whom you are working.

Please be sure to view the partial payment, nonpayment and late payment policies that are thoroughly detailed in your lender’s loan documents. We make a concerted effort to only work with reputable lenders who are absolutely committed to pursuing collections of delinquent loan accounts in a manner that is completely reasonable and fair.

Potential impact to credit score

It is Same Day Payday Loan’s established policy to never be involved in making credit decisions or do credit checks on people who are considering borrowing quick cash loans. At the same time, some of the lenders with whom we work may decide they want to do a nontraditional credit inquiry so they can find out if you are eligible for loan assistance. In general, the lenders won’t do a credit check through any of the three big U.S. credit bureaus (Equifax, TransUnion and Experian).

It is important for you to know that your credit score may ultimately be affected by the actions taken by a lender. If you fail to repay your cash loan by the time it is due, your lender may go ahead and report the delinquency to one or more of the aforementioned credit reporting agencies, and as a result, cause your credit rating to be impacted in an adverse manner. We always encourage consumers burdened by credit problems to consult a professional credit counselor.

Collection Practices

Once again, Same Day Payday Loan does not function as a lending service, and in addition, we never engage in any debt collection practices. The lender whom you work with will, in their loan documents, provide you with information regarding their collection practices. If you find that you are a bit unsure of the collection practices that a lender engages in, we suggest that you make it a point to discuss this issue directly with the lender. Same Day Payday Loan’s policy is to only work in partnership with lenders who are reputable and who have pledged to pursue collections of delinquent loan accounts in a totally reasonable, fair manner.

LOAN RENEWAL POLICIES

Before you accept their cash loan offer, your lender will present to you some loan renewal options. Make it a point to carefully comb through their loan renewal policy before signing their loan documents. Remember that state regulatory laws are largely responsible for governing loan renewal policies.

The intention is for cash loans to be used strictly as a short-term financial instrument. Same Day Payday Loan strongly encourages all borrowers to repay their quick cash loan in full and in a timely fashion so they can completely avoid fees related to nonpayment and/or late payment. Should you be of the belief that there is the potential for you to have difficulty repaying a loan after borrowing it, Same Day Payday Loan recommends that you look into some loan alternatives before taking the step of applying for assistance through our site.