Cash Faster Than a Payday Loan?

If you need cash fast, is there an advantage to taking a payday loan?

Yes, absolutely, there are times when all you need is a little help for a short time. If you were able to get a bank loan with the same short payback time they would call it a ‘bridge loan’. A payday loan is a great alternative to a bridge loan and is infinitely easier to obtain.

Banks aren’t interested in lending small amounts to the consumer; so where can you turn when all you need is quick money for a short time? The payday lender specializes in short term loans and does so without asking for collateral. You can get up to $1,000 same day if the lender offers wires, which may have a ‘wire fee’ attached to it so be sure to ask.

Most lenders will start you off small with a $300 – $500 loan to be paid back on your next pay date. For a fee you can extend the loan if it is not possible for you to payback that quickly and most lenders will let you pay back part of the loan and extend the remainder of the principle. This is not a good loan if you think it could take you longer than a few months to repay the principle and with the new laws that some states are enacting you will have a limited number of times that you are allowed to extend your original loan.

Can you get cash faster than this? If you go to family and friends it’s possible. The payday lender specializes in getting the cash to you as fast as possible; they understand that this is an emergency. Best of all if you handle the loan responsibly, the next time you have an emergency the lender will be ready to help you again and possibly give you a larger amount. Only take as much as you need larger amounts also mean more fees so only take the amount that will solve the emergency.

There are several ways that you can get the cash deposited to your account from a payday loan. Most are deposited through an ACH transfer directly into your checking account, if your lender has a storefront, you could pick up the check or you can ask to have the check mailed to you, but who wants to wait? You can also request a wire transfer, this is the quickest way to get money into your checking account but it is also the most expensive way as a transfer normally has a fee associated with it. Some lenders are depositing funds into prepaid debit cards but like a wire transfer a prepaid credit card often has fees associated with it.

A payday loan used only in emergencies can help to make your life a little less stressed. Just knowing that you have the option to get cash quickly when you need it can be a huge relief. The unknown is always out there ready to blindside you but with a payday loan you can bounce back quickly! Just remember to only borrow what you need, it is a loan and like all loans it has to be re-paid.



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  • Ollie Neely says:

    I am looking for a holiday loan. I am looking for an installment loan of $3000. I am looking for at least 2 years to pay back. I am unemployed and I have unemployment benefits. One other thing, I have poor credit. Yes, because I fell behind in certain payments that I was paying on time a month ago. If there is anyway you can help me please email me. Please no scammers. I am really desperate but I will not accept a loan from a scammer. Thank you and God Bless.

  • Catherina Hernandez says:

    I am looking for information for a payday loan or installment loan.

  • victoria hewitt says:

    i just had suegery, i go back to work on friday, i need to move, my roomate lost here job need the down payment for apt
    God Bless

  • james cardwell says:

    Would like to get installment loan for debt consolidation, but cannot acquire. If you have any suggestions or help mail me. THANK YOU

  • karen says:

    I could use a loan but I have really bad credit. I have a lot against me and I would like to get it right on my credit. And I have helped a lot of people and I get the worse end. But I can’t get no one give me a second chance.

  • Vivian M Boardley says:

    I need to get my family back from Nigeria. They were on a mission trip and now are stranded. I’ve been scam to many times from loan companies making me pay verification payments and never recieving loan. Now my family is at risk of perishing in an another country. Please no scams just real lenders. Help us please. We need $2,000 to get both tickets .


    Ineed an loan for dental bills

  • Judy says:

    I jut got behind on my payments because raising my grandson and had to get us a place to live and my credit score went down. No one will lend me any money so I can pay off loans and get caught up on bills.I need help !!!!

Payday Consumer Notice:


The APR of a payday loan varies in each state and depends on the lender, the advance amount, fees and terms of the transaction. The APR in our network of lenders can range from 265.36% to more than 700% on 14 day terms.

Implications of non-payment

Implications of non-payment vary from lender to lender and by state regulations. If you are unable to repay your loan you may have one or all of the consequences listed below depending upon the terms of your lender. Fees may include but are not limited to: insufficient fund fees, administrative fees, late fees, non-payment fees, court costs and legal fees.

Collection Practices, Credit Score Impact

Payday Loans are due and payable in full in one payment at the end of the loan term, unless the Lender offers renewals or other repayment options. Make sure to review the terms and conditions of your lender if you fail to pay on time.

  • Late payments of loans may result in additional fees or collection activities, or both. Each Lender has their own terms and conditions, please review their policies for further information.
  • Non-payment of credit could result in collection activities and your account could be turned over to a collection agency. Each Lender has their own terms and conditions, please review their policies for further information.
  • Failure to pay your loan on time could result in your lender reporting the delinquency to a credit reporting agency. This could result in the lowering of your credit score which could make borrowing more expensive in the future.

Renewal Policy

Renewal policies vary not only by lender but also by state regulations. Every Lender has their own renewal policy, which may differ from Lender to Lender. Renewal fees vary by lender. Please review your state regulations and you lender's renewal policy, terms and conditions.