Payday Loans Online Online Sources For Payday Loans

Thanks to technology, it is now pretty easy to access payday loans online. Gone are the days when you had to waste time queueing in a traditional brick-and-mortar building to access payday loans. As long as you have proof of employment and meet the requirement of most lenders, you can apply for your payday loan from the comfort of your home. We’ve taken the liberty of pointing out a few online payday loan lenders you can use.


AdvanceAmerica is an online lender based in South Carolina. It still has its presence in over 1200 locations if you want to walk into one of its stores for a payday loan. AdvanceAmerica has operated for 23+ years and has issued over 134M in loans.

The application process is fairly straightforward, with a user-friendly site. You will receive a message on the decision whether to approve your loan or not as fast as 5 minutes. Once approved, the lender can process and wire you the funds as soon as the next business day.

AdvanceAmerica uses your state, income, and credit rating to determine how much you are allowed to borrow as well as your terms. Nevertheless, amounts and APR will differ between states. You can use their calculator to view the rates in your state and how much you are qualified to borrow before you start your application.

Do you need another type of loan? AdvanceAmerica provides other short-term loans, like installment loans, title loans, and lines of credit.

Additionally, their website has other information, like money management tips. These allow you to learn more about debt management, budgeting, and different money management strategies to help you achieve your financial wellness.


Pheabs is an online marketplace for payday loans. As such, it connects borrowers to payday lenders who are willing to extend credit to them.

As such, it can save you the hassle of searching and reviewing individual lenders on your own. Still, the process is seamless, where you get your loan application approved in as little as 5 minutes. Lenders also process funds as soon as the next business day whenever one qualifies.
Borrowers can access $100 to $5,000 with a repayment period going as long as 60 months. To be eligible, you should be of legal age, have a steady paycheck, and have a checking account to be eligible.

Ace Cash Express

Ace Cash Express is a Texas-based financial company that specializes in offering various loans, including payday loans. While its headquarters are in Texas, Ace Cash Express has a presence in 24 states. You can access their payday loans online or their local stores.

How much you can borrow will depend on the state you are in, with some allowing as little as $255 and others going as high as $1,000. Ace Cash Express payday loan applications are usually approved and processed as fast as the following business day, as long as you meet the requirements.

While Ace Cash Express can process your application fast and disburse the loan, its website can be challenging to navigate. Also, the company has faced legal actions in the past due to its debt collection methods. As such, we encourage you to be cautious with your borrowings are repay all debts to avoid constant calls from debt collectors.


OppLoans is another online source for payday loans. It is a great alternative for you if you are uncomfortable with Ace Cash Express and need a more considerable amount.

It has a customer base of over 500k and offers online payday loans up to $4,000. As an online lender, it’s mobile-friendly, allowing you access its services through your smartphone and tablets.

To be eligible, you must be 18 years and above and residing in its operating states. You will also need to prove you have an income source and receive your paycheck via direct bank deposits.

An advantage of OppLoans is that you can estimate your loan terms, like APR, repayment period and how much you are allowed to borrow. It has all this information on its website: all you have to do is select your state.

This makes it easier for you to gauge whether you can afford some of its terms before starting your application process. However, keep in mind that OppLoans has a high APR that can go up to 160%.


This is an online direct lender for payday loans and other loans like credit cards and installment loans. It is licensed to offer these loans in several states with loan amounts and APRs ranging between $100 – $500 and 70.6% – 1251.43%.

While the borrowing amounts are low with high APR, LendUp is famous for extending credit to individuals with poor credit history. However, if you are a returning borrower with a good repayment history with LendUp, you might get a favorable APR.

LendUp uses its credit rating system, Ladder, where borrowers earn points whenever they repay loans. So the next time you need a payday loan from them, LendUp uses this Ladder system to determine your APR. apart from making loan repayments, you can earn more Ladder points by taking LendUp’s education programs or recording a video as a testimonial.

You can now apply for payday loans online and never have to leave your home or office for the application process. Numerous lenders are going digital, making such access hassle-free for you. Still, keep in mind that payday loans have higher APRs than traditional loans. So weigh your options from the available online payday loan companies, pick one that provides friendly terms and always ensure that you repay your loans to avoid getting deep into debts.

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