CA
California
Up to $300, fast online
$300 check, $45 max fee
A California payday check is capped at $300, including a fee of up to $45, so you get $255 at most. Apply for California online payday loans in minutes.
Online payday loans · Instant cash advances · Installment loans
Payday loans online. Fast cash up to $5,000.
Get payday loans online, instant cash advances and installment loans from $200 to $5,000. Fill in one short form, get a decision fast and receive the money as soon as the next business day. Bad credit? You can still apply.
Requests from
$200 to $5,000Fast online
decision
$200 to $5,000Fast online
decision
Approval, loan terms and funding time are set by the lender and depend on your state.
Your next stepLOAN REQUEST
100% online.
Bad credit? You can still apply.
How to get a payday loan online
Three simple steps.
Cash in your account.
No paperwork and no trips to a store. Everything happens online.
How it works- 1
Choose your amount
Pick any amount from $200 to $5,000 and start your request. It takes a few minutes.
- 2
Fill in one short form
Basic details, your income and a bank account. Lenders review your request right away.
- 3
Get your money
Accept your offer and e-sign. Funds are sent by direct deposit, often by the next business day.
Online loans for every need
Find the loan that fits
Borrow the amount you need
Short gap before payday? Get a $200 loan, a $300 loan or a $500 payday loan and repay it in one payment. Bigger bill? Apply for an $800 loan, a $1,000 loan or a $2,000 loan with monthly payments that fit your budget. Need under $200? See $100 loans and other quick small amounts.
Get your money fast
Apply any day of the week, at any hour. With same day loans, an early weekday approval can be funded the same afternoon. Weekend payday loans can be requested on Saturday or Sunday and funded on the next business day, and direct deposit loans land straight in your checking account. For a sudden bill, see emergency loans.
Loans for bad credit
Your score is only part of the picture. Many lenders look at your income first and your credit history second: see bad credit loans, no credit check loans and loans for a 500 credit score. Turned down somewhere else? Try second chance payday loans.
Choose the right loan type
Repay in one payment or spread it out over months. Compare installment loans, a cash advance and personal vs. payday loans, or look at small personal loans, loans like Lendly, tribal loans and other payday loan alternatives. Every option is in loan options.
Loans for life events
Cover the gap when your income changes. Get a cash advance on unemployment benefits while you look for the next job, or see loans and grants for single moms and parents who need money for childcare, school costs or rent before payday arrives.
Medical and dental loans
Pay the bill now and spread the cost over time: medical loans for hospital and ER bills, dental financing for implants, crowns and root canals, plastic surgery financing and CareCredit alternatives for patients with any credit.
Why apply here
Free to request. One short form reaches lenders who work with all types of credit. Secure online application, no paperwork and no obligation to accept an offer.
See the process
Clear terms, no surprises
See the full cost
before you sign.
Every offer shows the APR, the fees and the payment dates up front, so you know exactly what you will repay before you accept.
- Amount, APR and total repayment shown up front
- One payment or several, depending on your state
- Repay early to save on interest where the lender allows it
Payday loans online, explained
Everything to know before you apply
What are online payday loans?
A payday loan is a short-term loan, usually $100 to $500, that you repay on your next payday, typically two to four weeks after you borrow. Online payday loans skip the storefront: you apply from your phone or computer, lenders review your request in minutes and the money goes straight to your bank account by direct deposit. There is no paper check to write and no line to stand in. Need more time to repay? Request up to $5,000 as an installment loan with fixed monthly payments.
Instant loans and same day funding
Online lenders make decisions fast, often within minutes of your request. Most fund approved loans by the next business day, and an approval early on a weekday can be funded the same day through Same Day ACH. Some lenders also offer an instant transfer to your debit card, so instant loans can reach you within minutes where available. Apply in the morning for the best chance of same day money. See same day loans and weekend payday loans.
Payday loan requirements
You need to be 18 or older and live in the United States. You also need a regular income from a job, self-employment or benefits, an active checking account in your name, a valid government ID and Social Security number, a phone number and an email address. That is all it takes to apply. There is nothing to fax: lenders confirm your details electronically and may ask you to upload a pay stub from your phone.
Payday loans for bad credit
Your credit score is not the main factor. Payday lenders focus on your income and your bank account, because that is how the loan gets repaid, and many skip a hard check with the big credit bureaus. A low score, late payments or a past default does not automatically mean no. That is why people with low scores apply for bad credit loans and no credit check loans every day and get approved.
How much can you borrow?
Single-payment payday loans are usually $100 to $500, depending on your state and income. For bigger expenses, request a $1,000 loan, a $2,000 loan or up to $5,000 in installments. First-time borrowers are often offered a smaller amount, and many lenders raise the limit after you repay on time. Each state sets its own maximums, listed in payday loan rules by state.
What does a payday loan cost?
Lenders usually charge $10 to $30 for every $100 you borrow, and your state sets the maximum. With a $15 fee per $100, a $500 loan costs $75 and you repay $575 on payday. Installment loans charge interest instead, spread across monthly payments. You always see the fee, the APR, the total and the due date before you accept, so there are no surprises. Check your numbers with the payday loan calculator.
Instant loans online
Fast cash, the way you want it
Instant loans online
Instant loans are online loans with a decision in minutes and fast funding. You fill in one short form, a lender checks your income and bank account electronically and, if you are approved, you e-sign right away. Money usually arrives by the next business day, and lenders that offer debit card funding can send it within minutes. Instant loans online are available from $200 for small bills up to $5,000 for bigger ones.
Instant cash advance loans
A cash advance loan gives you part of your next paycheck today. Unlike an app that caps you at a few hundred dollars, an online cash advance can cover $200 to $1,000 or more, and it does not depend on your employer signing up. Apply in minutes, see the fee up front and repay on your next payday or in a few installments.
Payday loans direct lender
Your request reaches direct lenders in our partners' network: the companies that approve the loan, send the money and collect the payments. That means one decision maker, no middleman fee and one place to call if you need to change a date. Payday loans direct lender offers are shown with the lender's name, fee and due date before you sign.
Payday loans with no hard credit check
Worried about your score? Many lenders that offer payday loans online skip a hard pull with Equifax, Experian and TransUnion and verify your income and banking history instead. Checking your offer does not hurt your score with these lenders. Learn more about no credit check payday loans and how lenders decide.
Online installment loans
Need more than a payday loan, or more time? Online installment loans let you borrow $500 to $5,000 and repay in equal monthly payments over several months. Each payment covers part of the balance and the interest, so you always know the end date. At 36% APR, a $1,000 loan over 12 months is 12 payments of about $100. See installment loans.
Payday loans near me? Apply online
There is no need to search for a payday loan store near you. Online payday loans are faster than driving across town: no store hours, no waiting in line and no paper check. Apply from your couch at 10 p.m. or on a Sunday, and the money goes straight to your bank. See every option in loan options.
Apply with confidence
Get approved and stay in control
Tips to get approved faster
Ask for an amount your next paycheck can cover. Use the same name and address your bank has on file, enter your pay dates exactly and keep your phone nearby in case a lender texts to confirm a detail. Apply early on a weekday if you want the money the same or next day, and answer any verification request right away.
Every type of income counts
You do not need a 9-to-5 job. Lenders accept wages, gig and delivery income, self-employment, Social Security, disability, pension and unemployment benefits, as long as the money is deposited into your checking account regularly. Receiving benefits? See cash advance with unemployment.
Easy repayment
Payday loans are repaid automatically from your checking account on the due date, so there is nothing to mail and no store to visit. Installment loans are debited on the same day each month. Paying early is usually allowed, and if something changes before the due date, call your lender: many offer a new date or an extended payment plan.
Payday or installment: which fits?
Choose a payday loan when you need $200 to $500 for a short gap and your next paycheck can cover the full amount plus the fee. Choose an installment loan when you need $500 or more, or when one payment would squeeze your budget: smaller monthly payments, a fixed end date and lower APRs than a payday loan. You can request either type with the same short form.
Who uses payday loans online?
Working people, parents, gig drivers, retirees and benefit recipients all use payday loans online when a bill arrives before the paycheck. The most common reasons are car repairs, utility bills, rent, medical and dental costs, and travel for a family emergency. You do not have to explain what the money is for, and you can use it for any legal expense.
Safe and secure
The request form is encrypted, there is no fee to apply and you only borrow if you accept an offer. Real lenders never ask for money upfront, so never pay a "processing fee" or buy a gift card to get a loan. Every offer shows the lender's name, the full cost and the due date in writing before you sign.
How do payday loans online work?
Choose an amount, fill in one short online form and lenders review your request right away. If you are approved, you see the APR, fees and due date, e-sign the agreement and get the money by direct deposit, often by the next business day.
Can I get a payday loan online with bad credit?
Yes, you can apply. Many payday lenders look mainly at your income and bank account, so a low credit score does not rule you out. See bad credit loans.
How fast can I get the money?
Most online loans are funded by the next business day. If you are approved early on a weekday, some lenders send the money the same day. See same day loans.
What do I need to apply?
You need to be 18 or older, have a valid ID, a regular source of income and an active bank account. The form takes a few minutes.
How much can I borrow?
You can request from $200 to $5,000. The amount you are offered depends on the lender, your income and the law in your state.
Are these instant loans?
Decisions are instant or close to it, often within minutes. The money usually arrives by the next business day, or within minutes where a lender offers debit card funding.
Do I get my loan from a direct lender?
Yes. The lender that approves you funds the loan directly and collects the payments. Its name is on your loan agreement.
Does it cost anything to apply?
No. Requesting a loan is free and you can decline any offer at no cost.
Can I apply on the weekend?
Yes, any day and any hour. A Saturday or Sunday approval is normally paid out on Monday. See weekend payday loans.
Will applying hurt my credit score?
Many lenders in our partners' network check your income and banking history instead of running a hard pull with the big three bureaus, so checking your offer usually does not affect your score. The lender tells you before any hard check is made.
What can I use the money for?
Anything legal: car repairs, rent, utility bills, groceries, medical or dental bills, school costs or travel. You do not need to tell the lender why you are borrowing.
How do I repay a payday loan?
The payment is taken automatically from your checking account on the due date. Installment loans are paid in equal monthly amounts.
Payday loans by state
Apply from
your state.
Payday and installment loans are offered under each state's own rules on amounts, fees and terms. Pick your state to see the limits and apply online.
IN
Indiana
Up to $825 online
$825 max, 20% of income
Indiana small loans top out at $825 and 20% of your gross monthly income, with a finance charge of up to $44 on $300. Apply for an online payday loan in Indiana.
OH
Ohio
Up to $1,000 in installments
$1,000 max, 60% cost cap
Ohio short-term loans run from 91 days to a year, and total charges can't exceed 60% of the amount borrowed. Apply for online Ohio payday loans today.
IL
Illinois
Low-cost loans, 36% cap
36% APR cap since 2021
Since March 2021, Illinois caps payday and most consumer loans at 36% APR with fees included. Apply for an online payday loan in Illinois.
VA
Virginia
Up to $2,500 in installments
$2,500 max, 4–24 months
Virginia short-term loans can reach $2,500 over 4 to 24 months, with total charges capped at 50% of a loan of $1,500 or less. Apply for Virginia payday loans online.
NY
New York
Personal loans for New Yorkers
Licensed loans, 25% cap
New Yorkers can apply online for personal installment loans from licensed lenders, capped at 25% a year. Get a cash advance in New York.
MN
Minnesota
Low-cost loans, 50% cap
50% APR all-in cap
Since January 2024, Minnesota payday loans can't exceed 50% APR with every fee counted, and lenders must check you can repay above 36%. Apply for Minnesota payday loans online.
PA
Pennsylvania
Licensed personal loans
Installment loans online
Pennsylvanians can apply online for personal installment loans from licensed lenders with fixed monthly payments. Apply for PA loans.
RI
Rhode Island
Up to $500 advance
Repealed January 1, 2027
Rhode Island's payday advance law is repealed effective January 1, 2027; until then, checks are capped at $500. Apply for a payday advance in RI.
IA
Iowa
Up to $500 online
$500 check, $445 cash
In Iowa, a $500 check carries a fee of up to $55, so you receive $445, and no check can be held more than 31 days. Apply for payday loans in Iowa.
ME
Maine
Licensed Maine lenders
$25 charge on $250 or more
Maine caps finance charges at 30% a year, but a $25 minimum charge on loans of $250 or more means about 261% APR over two weeks. Apply for Maine payday loans online.
WV
West Virginia
Low-rate personal loans
Personal loans, 31% cap
West Virginians can apply for personal installment loans from licensed lenders at up to 31% a year on $3,500 or less. Apply for West Virginia loans.
NH
New Hampshire
Up to $500, 36% cap
36% APR, $500 max
New Hampshire payday loans are limited to $500 at no more than 36% APR, interest only, due in 7 to 30 days. Apply for a payday loan in New Hampshire.
Loan amounts, fees and terms follow the law of the state you live in.