Best Online Payday Loans In 2022: Top Payday Lenders for Speedy Cash

Many people have found themselves in a poor financial situation, and the main contributor to this has been the recent pandemic. Do you recognize yourself in this? Or just have a bad credit score and aren’t able to get approved for a loan from your bank, so you’re searching for other ways to get it?

Well, you’re in the right place, as by reading the right article we can show you how to solve some of your financial problems. The online lending platforms in this article connect people who quickly need money with suitable lenders, and they may be beneficial, especially if you need a payday loan. Online payday loans are short-time loans which means that they’re smaller amounts of money loans that need to be repaid when the borrower gets his next wage. The best online platforms, their features, the ways to use them, and all of their advantages are gathered here, in one place, so let’s start.

Top Loan Companies for Payday Loans Online

  1. Cash USA: Overall Best Online Payday Loans On The Market, Editor’s Pick
  2. MoneyMutual: Well Known Cash Advance Loans with Instant Approval
  3. RadCred: Most Popular Direct Lenders for Same Day Loans Online
  4. Bad Credit Loans: Reputed Firm for Small Payday Loans with Poor Credit Score

#1. CashUSA: Overall Best Online Payday Loans On The Market, Editor’s Pick


Another fantastic online lending platform that may quickly help you resolve your financial difficulties is the CashUSA platform. CashUSA has a wide network of lenders willing to work and help people no matter their credit scores. So, get ready to quickly find and connect with someone who may effortlessly lend you between $500 and $10,000.

Finding and connecting with the most suitable lender is very fast and also the transfer of the money. This platform has thought about everything, so on their official website, you can find an Education Center rich with articles about credits, finances, banking, and debts. You can find and learn a lot of helpful stuff and tips, so make sure to check it out.


  • Eligibility criteria

Similar to the criteria the other online lending platforms ask for, in order to be eligible for getting a loan, you must meet the following requirements:

  • You must be over 18 years old
  • You must have a monthly income
  • You must have a personal checking account
  • You must be a permanent USA resident or a citizen
  • You need to have a valid online phone number and an email address
  • Applying process

CashUSA works on the same principles as the previous platforms. The first thing you must provide in the application is to enter your ZIP code, Social Security Number, and birth year. Then, of course, you must enter your contact, banking, and employment info, the same as on the other platforms.

The lenders have access to all of this info, so the one who may lend you the amount of money you need may quickly get in touch with you. Just one application will connect you with multiple lenders, and from there on, CashUSA doesn’t have anything to do with the process. Everything else is between you and the lender. The money might be in your banking account the next business day since you’ve accepted the lenders’ offer.

  • Fees

Applying for a loan on the CashUSA website is free from fees, so you have absolutely nothing to lose by trying its services. Also, you can rest assured that no hidden fees will be applied when using this platform’s services.

The lender will set fees in the offer that will be sent to you, but you can decide if you want to accept them or not. Another important thing that needs to be mentioned is that CashUSA has an automatic payment option, so you’ll never miss paying your fees by using this option.

  • Security and privacy policies

The newest security measures that CashUSA has implemented in their work are helping all of your personal data to stay safe. Industry-standard encryption keeps everything protected, making it impossible for someone to misuse your personal information. This platform is highly transparent, so they openly explain the security they provide and how they operate. Everything you want to know regarding the safety of your info is available in the ‘Privacy Policy’ section on the website.

  • Customer service

CashUSA has plenty of educated customer representatives at your disposal, ready to answer your questions and provide you with the help you need regarding their services. You have to call them or send them an email, and they’ll be happy to talk to you. You can even write them via the online contact form that you can find on the CashUSA website. They’re very quick to reply to you.


  • Industry-standard encryption
  • Easy application process
  • No hidden fees
  • Friendly customer support
  • Option for automatic payments


  • Not the highest BBB rating, but still, the services from CashUSA are excellent

=> Click here to visit the official website of CashUSA

#2. MoneyMutual: Well Known Cash Advance Loans with Instant Approval


One of the most used online platforms for payday loans is MoneyMutual. Being recognized as a platform that provides the fastest loan approval and very affordable services, this platform has gained a lot of regular users. Since 2011, MoneyMutual has helped over 2 million people who need quick money by connecting them with the most suitable lenders. So, the numbers speak for themselves and show how reliable this platform is. MoneyMutual’s loans range from $200 to $5,000, and if you’re thinking about getting a quick online payday loans, MoneyMutual’s services are just the right one for that.


  • Eligibility criteria

MoneyMutual services are available to anyone who meets the following criteria:

  • You must be an American citizen to use MoneyMutual services
  • You must be over 18 years old
  • You must provide proof of your income, which must be a minimum of $800 per month
  • You must have a valid and functioning checking account where the money will be deposited
  • Applying process

The application process for getting an online payday loan from MoneyMutual is quick, and it’ll take approximately 10 minutes of your time. The first thing to enter is to choose the state where you’re located and to enter your location. Then, you’ll need to provide your personal info, such as your name and surname, phone number, and email address, for the lender to be able to contact you if needed. After that, you’ll be asked to enter your income source and attach the proof of your income. You’ll also need to provide your banking info, employers’ info, and proof of identification.

After you finish the online application, it’ll become visible for the lenders to look through it. Based on the info you’ve provided, a lender will decide if he can lend you the needed amount of money. He’ll contact you and send you their offer, which, if it suits you, you’ll need to accept it. And that’s all you need to do, so after all of this, expect to receive the money in your banking account in the following 24 hours.

  • Fees

Using the MoneyMutual services is totally free. The platform won’t charge you anything, nor does it have hidden fees. But, the lender might have. That’s why it’s very important for you to always carefully read the offer that the lender sends you and review all of the fees and interest rates that may apply to your loan. If there’s something you don’t like, you can always reject the offer.

  • Security and privacy policies

Don’t worry about the security of your credit card number and other sensitive info because MoneyMutual uses SSL encryption to keep all of your data safe. The platform also uses electronic, managerial, and physical procedures to secure all of the info they’re gathering. MoneyMutual is known for its transparent ways of functioning, so if you want to learn about what information they collect and how they use it, you can read all about it on the official website.

  • Customer service

Even though the process is pretty straightforward, some questions may still appear. So, on the MoneyMutual website, you can look through the answers to the most asked questions in the FAQ section, but if you can’t find what you’re looking for, you can always try and contact the MoneyMutual friendly customer support representatives for help. Send them an email or call them, whatever fits you best, and expect a quick response.


  • Quick services
  • Free of charges
  • User-friendly platform
  • No hidden fees
  • SSL secured


  • MoneyMutual services aren’t available if you’re located in New York or Connecticut.

=> Click here to visit the official website of MoneyMutual

#3. RadCred: Most Popular Direct Lenders for Same Day Loans Online


RadCred is the platform on this list that may provide you with impeccable lending services and help you get installment loans quickly. This platform has helped many people in their difficult times of financial needs. The best thing about it and the main reason it has plenty of regular customers is that you may apply for a loan up to $35,000, so if you need a loan of a higher amount, this is the ideal platform for you.

RadCred has plenty of lenders, so finding the most appropriate for you won’t be hard. So, even if your score is terrible, you still have a chance to find a lender willing to lend you the needed money. Thanks to it, you might be able to get the needed emergency funds very quickly.


  • Eligibility criteria

Your credit score condition doesn’t matter if you choose the RadCred services. You may apply and get approved for a loan just by meeting the following criteria:

  • You must have a Social Security Number and a valid bank account
  • You must be over 18 years old
  • You must be a USA citizen or have a permanent residency
  • You must have a regular income, whether you’re self-employed or have full-time employment
  • Applying process

The application process on RadCred is the same as on the other lending platforms mentioned above, which means it’s free and pretty simple. You’ll start by selecting the loan reason and then entering some personal and contact info such as employment, banking, and credit check info. Filling out the application form lasts about 10 minutes which is pretty quick. Once you get approved for a loan, be ready to get the money into your banking account in the next 24 hours.

  • Fees

Like the previous online lending platforms, the RadCred services are free of charge. You can apply and get connected with a lender absolutely for free. The communication takes place between you and your lender, so know that fees may appear. If you think they’re too high or don’t like them, you can always just reject the offer and start looking for another lender.

  • Security and privacy policies

You never have to worry about the safety of your data if you decide to use the RadCred lending services. Thanks to the high-security levels provided, this platform is among the most trustworthy lending platforms. The RadCred security measures include secured files and buildings for protecting your info, so you don’t have to be afraid that someone unauthorised can get your data and misuse it.

  • Customer service

Whatever you have to ask, the first thing to do is to look through the: “Frequently asked questions” section on the RadCred website. See if you can find the answers there.

If you can’t find what you’re looking for, feel free to contact the educated customer support that this platform has. You can choose and use the most suitable way to get in touch with them by sending them an email, calling them, or simply writing them via their online contact form.


  • User-friendly website
  • Highly secured services
  • Great customer support
  • Quick services
  • Higher loan amounts
  • Variety of lenders


  • It might be harder to get approved for a loan if you have a late payment record

=> Click here to visit the official website of RadCred

#4. BadCreditLoans: Reputed Firm for Small Payday Loans with Poor Credit Score


Thanks to its fantastic services, BadCreditLoans is another highly appreciated and widely used online lending platform. As the name itself states, this platform is the number one choice for people with bad credit scores but who need money quickly. So, if you can’t get a loan from a bank due to your bad credit score, BadCreditLoans may connect you with the most fitting lender to your needs, who wants to work with you and help you get that money fast.

You can apply for a loan between $500 to $10,000. The eligibility criteria are the most basic ones. The application process is simple, and connecting you with the most suitable lender is effortless. So let’s take a better look at all of the things this platform offers.


  • Eligibility criteria

In order to qualify for a loan, this platform has set up some criteria that you must meet.

  • You need to be at least 18 years old and provide a valid email
  • You need to have a regular income
  • You must be a US citizen
  • You must provide your bank account info to get the money
  • Applying process

Applying for a loan from the BadCreditLoans platform is simple. The first thing you’ll see when opening its website is the online form in which you’ll need to enter your personal data, such as your phone number and email, the source of your income, the banking info, and the amount of the money you need.

This platform works fast, and you’ll quickly be connected with a lender who may lend you the needed money. Sometimes, it’s possible that no suitable lender is available at the moment. But, this platform may still help you by sending you ads from other lenders and other offers that may be just what you’re looking for.

  • Fees

Applying for a loan and getting connected with a lender will cost you absolutely nothing. BadCreditLoans doesn’t charge anything for the services it provides. When you find a suitable lender and agree to accept his offer, the fees and the interest rates will apply, but they’re only between you and your lender because the lender determines the rates. Remember that you’re not obligated to accept anything if the received offer or the fees don’t suit you.

  • Security and privacy policies

You can use the BadCreditLoans lending services without fearing that your personal info might be stolen or misused. Thanks to the newest technology and the computer safeguards this platform has set in function, your data will always be protected. BadCreditLoans also uses encryption for your sensitive and personal information. In the website’s privacy policy, you can read about what info they’re collecting and why and how they are using it.

  • Customer service

You can quickly get in touch with BadCreditLoans customer service if you have something to ask or if you want to share your experience with their services. The platform has more than one way to contact them. You can send an email, call, or write to them using the online contact form available on the website. They’re very quick to reply. Remember that if you have some questions regarding your loan, it’s best to talk with your lender.


  • 100% free services
  • Easy to apply
  • Quick services
  • Transparent and secured platform
  • Knowledgeable customer support


  • Low BBB rating but very satisfied customers

=> Click here to visit the official website of BadCreditLoans

How We Made This List of Fast Loans?

Due to the existence of many online platforms that offer lending services, it wasn’t so easy to choose the best. But, we made a list of the essential criteria a platform should meet, and we applied them in our selection, so only the platforms that met all of them ended up on this list. They all use the latest security measures, provide speedy services, the application process is effortless, the criteria they ask for you to meet are the most basic ones, and they have excellent customer support representatives. So, no matter which platform’s services you decide to use, you’ll be protected, satisfied, and quickly get the needed money. Now, let’s take a closer look at what we based our selection on.

We checked the provided privacy

Because the loan process and providing your personal info is happening online, the platforms’ privacy is maybe the most important factor that should be checked. So, we thoroughly examined the privacy settings of the online lending platforms before selecting the most secure ones.

Each lending platform we’ll mention in this article may offer the highest security, privacy, and protection of your data. They’ve applied the latest security measures and encryptions, so there’s no way that someone unauthorised can see or misuse your info.

We choose platforms with fast services

When you need money, and you need that money quickly, no matter the reason, the speed of the platform’s services is crucial. The whole point of these online platforms is to get you approved and connect you with the best lender quicker than the banks. Considering that each of the following platforms meets those conditions, they’re the best of the best.

After applying, you’ll quickly get notified if you were approved, and you’ll get connected with the fitting lender even quicker. The needed amount of money might be in your account as fast as in the next 24 hours.

Eligibility criteria and applying process

The criteria that an online platform asks for you to meet so you can try and apply for a loan can be simple or more extensive. We paid attention to selecting those who ask for the essential criteria so more people could meet them and use these lending platforms’ services.

Also, suppose the application process takes time and asks many unnecessary questions. That’ll make things harder for the customer, so we also tried to find the platforms in which applying forms are easy to fulfill. You’re going to be done in not more than 5 minutes, so the whole process is straightforward and fast.

Customer support

We wanted you to have the opportunity to have someone to turn to when things become a bit unclear. And that can always happen, especially if you’re using online lending services for the first time. So, if you face some difficulties or have some questions regarding the platform, the best one you can turn to is the customer representatives that the platform provides. Each of the online lending platforms we’re going to discuss in continuation has educated and friendly customer support.

So if you want to ask something about the platform’s services, or even if you want to tell them your opinion and leave feedback, now you can easily do that. There are plenty of ways to do that. You can call or send them an email, and they’ll quickly meet your needs and explain to you everything you want to know.

Factors to Consider When Using the Best Payday Advance Platforms

Suppose you want to be able to recognize a trustworthy and reliable online lending platform and know which thing to pay attention to when using its services. In that case, you must consider a few factors that can simplify things and make a tremendous difference. Keep reading to learn what those essential factors are.


An important thing you need to look out for is the option to be able to reject a lender’s offer if it doesn’t quite suit you. Maybe the rates are very high, or perhaps the amount offered in the loan isn’t enough for you. No matter the reason, you should always have the option to reject the received offer. That’s why the platform you’re thinking about using should give you a choice to decide if you want to accept the lenders’ offer. The platforms reviewed in this article allow you to decide for yourself if you’ll accept the offer or not by allowing you not to sign it and start the whole process from the very beginning.

Platform’s reputation

All of the platforms on this list are reputable and trustworthy, but if you decide to use some other online platforms’ services, make sure that it fulfills these criteria. Try to find a platform that has experience in providing online lending services and has returning and satisfied customers.

Platforms with high ratings, pleased customers and positive reviews are the most reliable ones you can decide to use. So pay attention to these details, which can indicate the platform’s reputation and trustworthiness.


Before applying for an online loan, always check the platform’s feedback. If the feedback is positive and the rating is high, you can trust that you might get the best possible services. But, if you notice a low rating, that’s probably a red flag, and something isn’t quite right. That’s your sign to avoid applying there and to start searching for another online lending platform, which won’t be so hard considering that there are plenty of them to choose from. You just must find the right ones first.

Users’ reviews

Don’t forget to take a look through the customer reviews for the services of the selected online lending platform. By reading different people’s experiences, you’ll learn if you can trust the platform or not.

You’ll also become aware of what to expect and whether the services it offers will meet your expectations. If the chosen platforms have plenty of regular and satisfied customers (like those recommended in this article), feel free to apply and start using their services because the chances are very high that you might be delighted.


The reputable and reliable online lending platforms don’t ever charge for using their services, nor have hidden fees or maintenance fees, and the application process is absolutely free. But, of course, you may find a lot of platforms offering the exact same services but have hidden fees, about which you’ll learn after you’ve paid them. This can be tricky, so you must be very careful. That’s why the reputation of the platform and the customer’s reviews must be spotless.

The platforms in this article are non-profit and don’t have fees, so using their services will never leave you wondering where your money went and did you get scammed. You just need to remember that the lenders might charge you a fee for the loan they’ll give you, but you don’t have to accept their offer if it doesn’t suit you right.

FAQs: Instant Payday Loans Online

Can anyone use the online lending platforms’ services?

Anyone who’s facing a financial emergency and requires fast money may turn to these platforms. That’s the whole point of their existence; providing financial help to the people who quickly need it. But, there are some minor exceptions, and not quite everyone can apply for a loan. Minors can’t apply for a loan, so you must be at least 18 years old in order to be able to use their lending services. Another important thing is to have a banking account because where else will the loan get deposited?

Having a regular income is a must because that shows that you’ll be able to repay the loan. Of course, you must be a USA citizen, but you can use this platform’s services even if you’re a permanent USA resident.

Is my credit score necessary for using the online lending platforms’ services?

Absolutely not. Usually, the people with bad or low credit scores, who can’t get a loan from the bank, are the most common users of these platforms. The online lending platforms don’t care about your credit score. They’ll find the most suitable direct lender willing to work with you and quickly connect you with him. People behind the platforms recommended in this article genuinely know how hard it can be to need money immediately and not be able to get it because of your credit score. That’s why they don’t care so much if you have a good or bad credit score, making their services impeccable and accessible to anyone.

Are there any other advantages of using the online lending platform’s services?

Besides getting the needed money very fast, you might also get some other advantages from using the services of the online lending platforms. You’ll be able to enjoy the easy navigation and user-friendly websites, the fantastic services that are free of charge, and the high speed and security of those services. Also, you’ll be able to learn many valuable things because most of them have a lot of educational content on their sites. The possibility to decide if the loan offer you’ll receive suits you or not is another fantastic advantage.

Which online payday loan platform is the best?

Many online websites offer lending services, but choosing the most reliable and most trustworthy can sometimes be tricky, especially if you’re new at this, but don’t worry. Each of the platforms reviewed in this article are the best of the best, so you’ll be satisfied no matter which one you choose.

It’s best to base your selection on your needs. So, for example, if you need a smaller loan, MoneyMutual might be the perfect platform for you because the loan amount varies between $200 to $5,000, but if you’re looking for a much higher amount, consider the PersonalLoans services, because this platform may provide loans from $1,000 to $35,000. We’ve applied the essential criteria when selecting these platforms, so each of them is the best in its own way.

Why use online lending platforms’ services instead of the bank?

There is more than one reason why online lending platforms are so popular: people prefer to use their services instead of going to the bank. For starters, applying for a loan, getting approved, and even getting the needed amount of money is very fast. You need a maximum of 10 minutes to fulfill the loan application. There’s no wasting time with boring papers or driving to the bank and waiting in lines. All you need is your laptop and an Internet connection.

Another thing is the status of your credit score. Good or bad, it doesn’t matter. You’ll still be able to apply, qualify for a loan, and find a lender, which can’t be said for the banks’ services. The fast approval and the fast receiving of your money in your account is usually happening in the next 24 hours or the next business day, which is faster than the bank’s services.

Conclusion: What are the Best Online Payday Loans?

Now you know which lending platforms and services are the best ones that you may use to apply for and get your online payday loans, so what are you still waiting for? Take advantage of these fantastic payday loans online platforms and apply for the money you need. Cover your expenses and get yourself the things you want and need.

Thanks to these websites, you can forget about going to the banks because applying and finding the perfect, most suitable lender has never been easier. Even if you don’t like the offer you’ll receive, you have the option to reject it and to start the whole process from the beginning absolutely for free. So, choose one of the above-mentioned online lending platforms, fulfil the application and quickly solve your financial problems.

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