Payday Loans Online - $100 to $500, Apply in 5-15 Minutes

A payday loan is a small-dollar loan - typically $100–$500 - repaid in one payment on your next payday. You pay a flat fee, and funding may be as fast as the same day or next business day depending on the lender and your bank.

1. Check your state: payday lending is legal in some states and prohibited in others. Confirm your state allows it.
2. Have these ready: proof of income, an active bank or credit union account, and a government-issued photo ID. See the full checklist.
3. Apply: most online applications take 5–15 minutes.

• Know the cost: payday loans charge a flat fee tied to the amount borrowed. Your state sets the maximum. Federal law requires the lender to show you the APR, finance charge, and total of payments before you agree. See how fees and APR work.
• Make sure you can repay on the due date: the full amount - principal plus fee - comes out in one payment. If your next paycheck can absorb that and still cover your regular expenses, payday works as designed. If it can't, the cost can multiply quickly. See rollover risks.
• Verify the lender is licensed: confirm the lender is licensed in your state before giving personal information. At lower credit levels especially, unlicensed and predatory lenders are more common online. Check your state's license lookup.

• Amount: typically $100–$500, depending on your state and the lender.
• Term: usually due on your next payday, often two to four weeks from the date of borrowing.
• Cost: a flat fee tied to the amount borrowed. Your state sets the maximum allowed fee. See how payday fees and APR work.
• Repayment: one lump-sum payment (principal plus fee) on the due date. Repayment is often set up through an automatic debit (ACH) from your bank account - review any ACH authorization terms carefully before you agree. See how repayment works.
• Funding: may be same day or next business day, depending on the lender and your bank. See what affects funding speed.
• Credit: many payday lenders focus on income and bank account rather than credit score. Bad credit is generally less of a barrier than with other loan types. See payday loans and bad credit.