Payday Loans USA: Top 4 Payday Loans For Quick Cash

Payday loans have become the go-to source for quick access to funds. While they are a source of emergency funds, they have evolved to lenders for other loans, like mortgages, student loans, medical bills, debt consolidations and relief, and even vacation.

Whatever the reason for borrowing payday loans, accessing one is not that difficult. Numerous lenders are willing to work with borrowers as long as you meet their requirements. Let’s look at some of the top lenders you can consider for a payday loan.


MoneyMutual is one of the top-ranked lending services for payday loans. It is not so hard to see why. MoneyMutual is a marketplace for lenders, with a customer base of over 2 million borrowers and 100+ lenders.


BadCreditLoans is another marketplace for connecting borrowers to lenders for payday loans. However, these are not the only loans the lenders on its network providers. Apart from personal loans for emergencies, you can also borrow student loans, business loans, home loans, mortgage loans, credit cards, and auto loans.

What sets BadCreditLoans apart from the previous two marketplaces is the ability for the lenders to extend more credit, up to $10,000. This makes it ideal for those situations where you need more money to meet your obligations.

As the name suggests, you have access to loans regardless of your credit rating. Its goal is to give people with poor credit history an opportunity to access funds they would otherwise not get through the traditional lenders. Still, the options available to you under such circumstances might not be many as those of a borrower with a good credit record.

The application process on its set is also straightforward and takes you as fast as 5 minutes. Once you are connected with a lender, they send you the terms and conditions for review, and you can accept the loan or not. The lender will disburse the funds once you accept the offer, with most releasing the funds in a little as the following business day.

As such, ensure that you have an active bank account to receive your funds without delays.

It has become renowned for quickly processing applications and lenders within its network to extend loans as fast as the next business day. The application process is also undemanding with a seamless website that suites even the less tech-savvy users. One can borrow as low as $200 up to a maximum of $5,000, with increments of $100 from its lending scale.

The lenders on MoneyMutual also provide other forms of loans, like instalment and bad credit loans. Due to this, many borrowers result to MoneyMutual to meet their emergency expenses and other short-term borrowings.


Like MoneyMutual, BillsHappen is a marketplace that helps connect borrowers to lenders for immediate cash needs. As such, even borrowers with poor credit ratings stand a chance at getting payday advance loans from lenders in its network. It also allows borrowers to get loans ranging from $1,000 to $5,000 with increments of $1,000.

While the site is easy to use, it is best to have the required documentation with you for a faster application and review process. Some of the needed documents include:

  • Driver’s license
  • Social security number
  • Mobile number
  • Employment record,
  • Home address, and
  • Bank account number

You will also need to provide your state information during the application process.

The review process for BillsHappen is also fast. You will receive a reply on whether one of the lenders on their networks wants to work with you almost instantly. If yes, you are redirected to the lender’s website to finalize the process.

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