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Speedy Payday Loans

Filling in an application by means of our website, you will get the most affordable offer because it will be processed by different organizations simultaneously.

We will select the best offer exactly for you.

Your application is processed in the shortest period of time for us to help you as fast as possible.

Speedy Loans – The Best Available Financial Assistance

A payday loan is a common phenomenon popular in today’s lives of Americans. According to the definition, it is a loan issued in a small amount for a short period of time. Such a loan is often called a payday one as it helps people out to cover the needs in money when paycheck is delayed.

The most habitual features of such cash advance as speedy loans are:

  • simplified applying system — money is issued by one document: ID or a driver’s license, immediately upon offline visit or online;
  • high interest rate — up to 1-2% per day (depending on the state).

How is the application conducted? Several simple steps

  1. Simple application process: no collateral or guarantor required;
  2. When your form is reviewed, the lenders from the network offer the most suitable options in your individual case;
  3. Credit line can range from $100-$5,000 depending on the allowed sum in you state.
  4. Funds deposit: choose one of the offered depositing options: credit/debit card, in cash (if there is an office), e-wallets.

Documents required

ID card

ID card

income certificate

Income document

bank card

Bank account/card

Statistics show why people issue speedy payday loans

Having analyzed the activity of the payday lenders’ clients, the experts made statistics. It is clearly visible why clients issue speedy payday loans. It is worth noting that there are more women among such borrowers than men.

So, more than 25% of payday loans are issued to pay for repairs or construction. The second place is taken by various large–scale family celebrations, such as weddings, anniversaries. For such holidays, speedy loans are issued by about 16% of customers.

Almost 13% of borrowers apply for financial assistance when they want to purchase great household appliances, computers. By the way, it is worth noting that in 2021 the percentage of such customers was twice as high.

About 10% of all customers take out small loans to prepare schoolchildren. Only 20% of borrowers are ready to spend the money received to pay for tourist services.

Speaking of the summer season, it is worth noting the high rate of customers who resort to the online lending services to purchase tires, equipment for seasonal sports, and other goods that are subject to discounts in the warm season. About 10% of such far–sighted customers.

In winter, accordingly, about 10% of borrowers address payday lenders in order to buy gifts and arrange Christmas celebrations.

Why choose speedy payday loans?

For several years, our referral service has been active on the Internet. Helping to issue quick short-term loans to everyone who does not have time to collect bunch of unnecessary documents or calculate their funds for several months ahead, the service has become very popular and acknowledged. Let’s consider the advantages of this service.

  • Simplicity of loan application. Indeed, in order to take out a speedy small-dollar loan, a lot of data is not required: you just need to specify your full name, phone number, email, etc.
  • Instant deposit. After the application is processed, the decision is made automatically, and it takes only a couple of hours.
  • Round-the-clock work schedule. No bank boasts of providing round-the-clock service to its customers, not to mention issuing loans to borrowers in this mode.
  • Minimum requirements. Speedy payday loans are issued to all adult citizens of the United States. There are other loyal requirements to qualify for a loan: age over 18, bank account/card, valid email, phone number.

The functionality of the resource has already been evaluated by about a million users. On the website, you can submit an application in just a few clicks. According to the creators of the company, maximum simplicity and convenience is what the developers of the site worked for.

Here there is a calculator with which you can calculate the loan amount, its repayment period and interest rate. After the user has specified all the data, the calculator will show how much will be the cost of loan.

$100 $2500
1 days28 days
Your repayments are every days at (minimum rate)
Total you will Pay:
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Payday speedy loans vs bank credit: what option to choose

It is much easier to get a speedy loan than any kind of bank loan. In addition to the simplified application procedure, the lenders from the network has taken care that:

The borrower could choose any convenient way to receive funds. Money is transferred in three ways: to a card, to a bank account or in cash. Some other online lenders, by the way, also offer a loan transfer to an e-wallet and some other options. In the bank, as a rule, only two methods are offered: cash at the branch or cashless transfer to the card (provided that this card was issued by this bank, and not by a third-party company).

New customers could borrow money on favorable terms. Users who are going to apply for the first time on the site will receive a loan at a reduced interest if it is possible.

Regular customers could participate in the loyalty program and receive guaranteed discounts. Those who borrow money not for the first time will receive bonuses for each loan repaid earlier. With their help, you can extend the loan repayment period, or repay interest, etc.

As you can see, many clients prefer to issue small loans through payday lenders than turn to banking institutions.

Alternatives to speedy payday loans: personal, title, installment| What is the point?

Nowaydays, there are many financial support for people in need. Reduced monetary circumstances may make people turn to payday lending. But there are states that banned the use of payday loans. That’s why lenders create new options to help people cope with temporary problems.

Let’s start with personal loans. According to deinition: personal loans are extra funds borrowed from a bank, credit union or online lender that you pay off in fixed monthly payments, or installments, typically over several months. Advantages of this lending type are:

  • one lump sum;
  • fast deposit;
  • no collateral required;
  • lower interest rates;
  • higher limits;
  • flexibility.

A title loan is a short-term but high-interest loan you receive when you ensure a car title as security to get extra cash. A car title is a document that proves you own your car – as collateral for the loan and typically require payment within 15 or 30 days. Lenders may offer title loans online or through an offline office. What about the advantages:

  • instant cash;
  • speed processing time;
  • no vehicle requisition required;
  • no guarantor or credit score;
  • efficient payback scheme.

An installment loan is secured or unsecured lending option that should be paid back within set schedule. It resembles personal loans issued either online or offline. Types of installment loans are:

  • auto loans;
  • mortgages;
  • student loans.

The advantages of installment lending options are:

  • ability to cover a large expense;
  • scheduled regular repayments;
  • refinancing possible.

How to issue a payday loan with a bad credit history?

Get a speedy payday loan even with a bad credit history, you can choose the service cooperating with such clients and apply online. This option will be simple, comfortable and rational, since a potential client can find the right offer via the Internet at any time of the day and night. It is also possible to combine the terms of iseveral payday lending services.

How to increase the chances of issuing a small loan to borrowers with a bad credit history?

A few tips that can increase the likelihood of loan approval in the presence of a bad credit history:

  • apply to those lending services where payday loans were already issued earlier and there were no delays;
  • if possible, provide as complete a package of documents as possible;
  • do not request a large loan amount for a long period (up to $5,000 up to 30 days).

We also recommend choosing a way to get a loan with a bad credit history – a bank card, since it can activate the automatic refund function at the end of the contract term. The lender will have more confidence in the potential client.

Who can apply for a small business loan?

Any owner of a small and medium-sized business who, for one reason or another, cannot get a bank loan can apply to a speedy payday loan. For example, if the amount is small, there is no credit history or the entrepreneur lives in a remote locality. The package of documents is simple: you need an application for a short-term loan, financial and constituent papers, a certificate of absence of tax debts and collateral documents (if any required).

There are no restrictions on the age of small business owners, but some are not eligible to get a loan. It cannot be issued by credit and insurance organizations, investment funds, non-state pension funds, securities market participants and pawnshops. In addition, participants in production sharing agreements do not have to rely on such a lending option. Also, the loan will not be given to entrepreneurs in the field of gambling and mining, non-residents of the United States, manufacturers and distributors of excisable goods.

A businessman may be refused if his documents are not in order, his financial situation is poor or his business reputation is unreliable. But in general, there are no obstacles. Online lenders can also support startups, even if they haven’t started earning yet.

Small business owners who took advantage of the quick loan note that this did not cause any difficulties.

How it Works

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1 - Apply Online

Fill out our short & secure application form to apply online in seconds without having to visit a store.

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2 - Get Approved

Get instant pre-approval for your loan application. We'll also reach out to confirm all the details, so you'll be set to receive your loan the next business day.

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3 - Get Your Money

The money will be deposited directly to your bank account , or you can use our same-day wire service.

Questions?

Q: What is the Maximum Loan Amount?

A: The total amount of money that you will be permitted to borrow depends on several factors which include your lender, the state in which you live and your unique financial situation.

Q: What are Short Term Loans?

A: Short term loans are generally small sums of cash—between $100 and $1000—that are made available to consumers in the event of financial emergencies regardless of their credit histories. This cash is generally available to applicants on the business day following their approval.

Q: Do I Need to Fax Information?

A: If this is the first time you have obtained a short term loan with a particular lender, there is a chance that they may ask you to fax some information to them for verification such as your bank statements or paycheck stubs. If this is the case and you do not have a fax machine, you can visit your local public library or UPS Store. They will fax this information for you for a small per-page fee.

Q: How and When will My Loan be Repaid?

A: The terms for repaying your loan will be listed in your loan agreement. The terms for short term loans vary based upon your lender and your individual situation. To make things simple for you, your lender will simply withdraw the amount of your loan plus any applicable fees and interest from your bank account on the repayment date. You will not have to visit a retail location or mail a check or money order. This paperless process also helps to negate the possibility that your payment will be received late. If you need an extension, you can contact your lender. Please keep in mind that extensions on your loan will be associated with additional fees and interest.

Q: How Long Will It Take?

A: From start to finish, the entire process usually takes one business day. First, you will fill out our short two-minute application. Once you have submitted it, it will be forwarded throughout our network of lenders. In minutes, you will begin to receive offers. After reviewing your offers and selecting your favorite, you will receive your final approval in less than an hour. Finally, after you have provided your electronic signature, your lender will deposit your funds into your bank account on the following business day in most cases.

Q: What are the Qualifications?

A: You are likely to be approved for a short term loan even if you have been turned down by banks and credit card companies in the past. We can successfully match more than 92% of the consumers who apply for the loan with at least one lender. The qualifications are:
• You must be at least 18 years of age, and you must legally work and live in the United States
• You must have a working telephone number and email address, and you must have a bank account in your name
• You must be employed for at least 90 consecutive days with the same employer and meet minimum income guidelines

Q: What if I Have Bad Credit?

A: Since the majority of the lenders in our network will not check your credit as part of the qualification process, your bad credit—or your lack thereof—is usually not an issue. As long as you can meet the basic guidelines, there is a very good chance that you will be approved for a short term loan.

Q: How Will I Get My Money?

A: Your lender will deposit your funds into your bank account on the business day following your loan approval and the receipt of your electronically signed loan agreement.

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