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What is Same Day Payday Loan?

Same Day Loan is a type of cash loan offered by non-bank institutions. Its main advantage is the quick decision-making process - you can receive additional funds even within several minutes of submitting the application.

This product is characterized by minimal formalities and a short repayment time. Usually, the payday loan is granted for 30 days, but it is worth knowing that some lenders extend this period to a maximum of 60 days. After this time, the loan amount is repaid once, including the accrued costs.

Importantly, the payday loan can be used for any purpose that you do not have to present to the lender. Therefore, with the funds obtained, you can successfully finance, for example, a holiday trip, car repair or the purchase of new electronics or household appliances.

It should be added that the payday loan is a low-value loan. The maximum amount of the liability may differ depending on the loan company, but most often it is several hundred dollars.

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What are the requirements for a Same Day Deposit Payday Loan?

In order to take payday loans from a lender, you must consider a few simple requirements:

you must be a US citizen;
your age must be 18 or over;
you must submit fixed income proof within a few months;
you must earn at least $1,000 after taxes;
you must have a valid phone number and email.

What is taken into account when approving a Payday Loan same day?

Before giving you a loan, lenders take into account factors such as income, creditworthiness, place of residence and citizenship. All these factors allow the lender to understand how high-risk you are as a client and what is the probability that you will be able to repay the loan. Usually people prefer non-bank loans because your credit history does not matter and the loan is usually credited to your account within one day, while in the case of banks it can take several weeks.

Loans and same day payday loans - how do they differ?

The offer of non-bank institutions often includes both installment loans and payday loans. What's the difference between these two products?

You can use both a payday loan and an installment loan for any purpose you choose. However, they differ mainly in the length of the repayment period, the repayment form and the maximum amount of the liability.

Payday loans should be settled once after 30 or a maximum of 60 days, while the installment loan repayment is divided into installments and can take up to several years. The repayment period also affects the maximum amount of the liability. Payday loans are granted in relatively low amounts, while the installment loan amount can reach even tens of thousands of dollars.

Choosing the best payday loan for same day financing - assumptions

The enormity of available payday loans offered by non-bank institutions makes choosing the right loan a bit problematic. For this reason, especially for you, we have created a payday loan ranking that includes the best, selected and constantly updated offers.

When choosing a payday loan, we paid special attention to:

availability of the first free payday loan;
Annual Percentage Rate (APR);
the total amount to be repaid - the repayment amount is the total cost that you will be required to pay back to the lender. Its value consists of borrowed capital and accrued costs.

Annual Percentage Rate

APR, i.e. the Annual Percentage Rate is the most important parameter of the payday loan. This indicator includes all costs related to a quick loan, i.e .:

interest rate - this is the basic cost of payday loans. Its value determines the amount of interest on the borrowed amount;
commission - profit for the lender from the provision of financing;
other costs - e.g. preparation fee, if charged.

As you can see, the Annual Percentage Rate on payday loans is quite large, but you have nothing to fear. The high value of the APR is due to the fact that this indicator takes into account the time value of money. The longer the repayment period, the smaller the APR. The payday loan, on the other hand, is repaid after 30 or a maximum of 60 days - hence such huge values.

The APR indicator will definitely help you find the best offer. When you apply online with the same value and repayment period, the one with a lower APR value will be cheaper.

Online quick loan ranking - other evaluation criteria

Of course, there are many more parameters that we took into account when choosing a payday loan. So what else influences the attractiveness of a given offer?

Maximum amount of the first payday

The maximum amount of payday loans quite often depends on whether you are applying for it for the first time or maybe it is your next loan in a given institution. In the case of the first application, you often have the opportunity to get a free first payday, which, however, is associated with a lower maximum amount. Therefore, before choosing the right offer, pay attention to whether the proposed amount is able to meet your financial needs.

Maximum repayment period

Most lenders offer payday loans with a 30-day repayment period. However, if you want more days to settle your debt, pay attention to offers that allow you to pay off up to 60 days.

Number of formalities

When choosing a payday loan, we also took into account the number of formalities you need to complete to receive a payday loan. It's good to know that some lenders require a salary certificate. If you want express payouts, choose companies that do not require this document.

What are online same day payday loans?

Online payday loan is a quick loan that you can apply online without leaving your home. This is a great solution for unexpected expenses.

In the case of online payday loans, the entire process - from submitting the application to withdrawing funds - is carried out remotely. If you want to get money quickly without leaving your comfortable armchair, choose a payday loan online.

Fast online loan - advantages

Online payday loans have a big advantage over traditional loans. By taking out a payday loan without leaving your home, you will save a lot of time that you would have to spend on visiting the lender. You can compare the available offers and choose the one that best suits your expectations. The process of applying for a payday loan is extremely simplified - usually all you need to do is complete the appropriate application. What's more, lenders offering payday loans online often do not require a certificate of earnings, and the decision to grant funds is almost immediate.

How to take a payday loan via the Internet?

After selecting the offer you are interested in, using a special field, specify the amount you want to get and the repayment time. If the lender offers the first loan for free, its cost will be 0$. However, if the company does not offer a free payday payday or when you use its services again, the calculator will show you the costs of the commitment.

The next step is to fill in the form. At this stage, some borrowers will require an account registration. The form should be completed by entering the required data. Usually, loan companies require you to provide:

name and surname;
home address;
series and number of ID card;
contact telephone number;
e-mail address;
information on your income.

After your form is approved, the last stage is issuing a decision regarding the granting of payday loans. If it is positive, additional funds will soon appear on your account!

24h payday loans - what is it about?

Some borrowers offer payday loans 7 days a week at any time of the day or night. This means that the application is verified by an automated system.

However, this does not always mean that you will receive additional funds at the same time. You should bear in mind that financial institutions do not process standard transfers over the weekend. However, there is a way - if you want to obtain funds quickly, find a lender who maintains an account in the same bank as you. It is worth knowing that internal transfers made within the same financial institution are usually executed immediately.

Early repayment of payday loans - is it possible?

It is worth knowing that you can pay off the payday loan earlier than the contract requires. What's more, by settling the debt before the deadline, you can count on the reimbursement of costs related to the period by which the duration of the contract was shortened.

If you want to pay off the payday loan ahead of schedule, contact your lender. Thanks to this, you will learn about the early repayment procedure. Some loan companies require payment of the entire debt and then return the overpaid part, while others calculate the costs of payday loans in accordance with the new repayment date.

Remember about timely repayment!

Payday loans are products with a short repayment period. When taking out a loan, carefully analyze your financial possibilities to avoid problems with settling the obligation.

Remember that delays in paying off payday loans can significantly increase the total cost of the debt. If you fail to repay, you will be charged with penalty interest and the costs of debt collection activities.

To avoid these unpleasant consequences, and anticipate repayment problems, contact your lender. In such a situation, companies offer the service of extending the repayment date or the so-called loan refinancing, which consists in incurring another obligation with another loan company to cover the current debt. It should be noted that both services involve additional costs, but they may be the only option thanks to which you will gain additional time to collect the necessary funds, and avoid the hassle of debt collection and entering on the lists of debtors.

FAQ Same Day Loans

How much money can I get with Same Day Loans?

The amount that a lender can provide you depends greatly on your income, financial status, etc. In some states, the maximum loan amount is also regulated by the government. On average, the amount of payday loan is from 100$ to 1000$, depending on your needs. If you need a larger amount, you can apply for a personal loan which can be up to $35,000.

What are the repayment terms of instant same day Payday Loan?

The name of the loan speaks for itself. Typically, you must pay off the loan on the day of your next paycheck. Often times terms vary from 14 to 21 days, sometimes up to 30 days. Since the Loans are short term, they are more risky for the lender. Make sure you can repay your loan before applying for funding.

What can Same Day Payday Loan be used for?

This loan was created to help borrowers cope with an emergency. Most people take Short-term Payday Loans to cover medical treatment, emergency purchases, or utility bills, but you can spend the money for any need.

Can I get a same day Payday Loan with bad credit?

Often times, lenders will approve applications even if you have bad credit. Payday lenders only require soft credit check that does not harm your credit. The most important factor affecting approval is your income.

16 Jun 2022

Author: Ronnie Houk

Ronnie Houk is a professional in the field of financial advice, in particular in the field of loans. He studied at one of the best universities in the United States and even during his studies he was famous for his knowledge of finance, economics and the market in general. Ronnie can help you choose the best loan, the best deal, or just find the best job. Ronnie has been writing articles, reviews, researching the market for many years, as well as editing already finished works.

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