We provide those in need the opportunity to borrow money. Whatever your financial emergency – groceries, an unexpected car repair, repayment of a personal debt, or an unexpected financial loss – SameDayPayday.com can get you those funds almost instantly.
Same Day Payday saves our customers from the grueling process of researching payday loans – helped by our state guides, articles, and company reviews. Find out if loans are available in your state, get informed and quickly obtain the loan that’s right for you.
Payday loans, are considered short-term because they are meant to be fully repaid by your next payday (usually two weeks).
Quick, confidential and secure
Your local cash store is its own lender and does not care about your individual situation, to them it’s a numbers game. Applying online gives you access to multiple lenders and a decision in minutes. Spare yourself the embarrassment, rejection, or driving around town to find cash.
To qualify, you must be a U.S. citizen at least 18 years of age, gainfully employed with monthly income of at least $750, and a checking account that is both active and in good standing.
The first thing you will need to do is fill out the application form which can be found on our secure website. We ask for the same basic info as our competitors; employment history, driver’s license and contact information. Avoid delays in processing your application by filling it out completely and honestly. Lenders do verify your personal information and most will run a quick credit check. If your credit score is low, don’t worry. This does not automatically disqualify you from being approved for a loan.
The last step is your bank information in where you’d like your funds transferred, and that’s it. While some lenders are capable of processing a loan the same day, generally funds will be transferred to your account within one business day.
Visit our How It Works section to learn more and FAQ to answer additional questions you may have.
Terms and repayment
As with any loan offer, you are never under any obligation to accept it. Always review the terms and conditions of your loan before signing – including but not limited to repayment schedule, fees, renewals, APRs.
Payday loans are similar to conventional loans in one important aspect. If you fail to abide by the terms in your loan agreement, the lender can start collection proceedings against you to recover money you owe. This could also negatively impact your credit. If you find yourself unable to pay a loan in full, immediately contact the lender to see if an extension is available, but expect to pay additional fees and interest above the principal amount owed.
See our Rates and Fees to find out what a loan costs.
Explore loan alternatives
Payday loans are meant to be used for financial emergencies only and not as a continuing method of rolling money. They are not a solution to long-term debt problems. Consider other borrowing options before committing to a payday loan agreement:
- A small personal loan from your bank or credit union
- A cash advance on your credit card, if available
- An advance on your paycheck from your employer
- A small loan from a trusted friend or relative
SameDayPayday.com advises consumers to always borrow responsibly. No matter where you receive a loan, always borrow the least amount of money possible and repay the loan when it is due. By doing this, you can avoid costly penalties, fees and interest payments.