Are you searching for online payday loans or reviews for the best payday loan companies?

Every day, thousands of people search for “payday loans near me”.

When emergencies happen, high-cost bills are practically a guarantee.

If you cannot cover the cost of last-minute bills on your own or through a loan from friends or family, you still have options available.

Payday loan companies offer short-term loans to prevent you from overdrafting your bank account, missing payments, or suffering the costs of bounced checks.

What most people don’t realize, is that they should be searching for best payday loans online.

That’s because you don’t necessarily have to drive to a payday loan store near you – you can simply go to a reputable online payday loan website.

Depending on the circumstances of your emergency, such as the loan amount you need and how long you need to pay it off, some companies might be a perfect match while others may not suit your needs.

What Are Payday Loans?

Among the various short-term options, payday loans are the most common and will give you an advance on your next paycheck. These loans are usually due on your next payday, although slightly longer terms are sometimes available.

Installment loans are another popular solution, especially if you need a higher loan amount than a payday loan provides. This option gives you longer terms so you have more time to make payments on a monthly or bi-weekly basis.

Lines of credit are often available through online payday loan lenders, too. This option generally offers the highest loan amount. It works similarly to a line of credit provided to you by credit card companies, except money can be withdrawn and deposited directly into your bank account.

When you apply for a short-term loan you should expect to need your US government ID showing citizenship or permanent residency, your social security number, and banking information for an active checking account in your name. You will need to be 18 or older and be able to prove you have a steady income source, such as employment, disability, or Social Security. Valid emails address and phone number will be necessary as well.

What if I need a Payday Loan but Have Bad Credit?

If you need a short-term personal loan but have bad credit you are in luck.  Many of the online payday credit loan companies listed below will provide short-term loans to people with bad credit.  There are alternatives to payday loans but payday loan laws vary by state.

Other forms of short term personal loans for people with bad credit include:

Pawn Loans

A pawn loan is a type of personal loan where you leave some of your property, such as jewelry, electronic and photography equipment, musical instruments or firearms, and in return the pawnbroker typically lends you approximately 25% to 60% of the item’s resale value.  The average amount of a pawn shop loan is about $75–$100. You’re given a short time, typically a few months, to repay the loan and are charged interest, often at a very high rate.

Title Loans

A title loan is a loan that requires an asset as collateral. Title loans are popular for two key reasons. First, an applicant’s credit rating is not taken into consideration when determining qualifications for the loan. And second, thanks to looser application requirements, a title loan can be approved very quickly for amounts as low as $100.

Installment Loans

An installment loan is a type of loan where you borrow a set amount of money all at one time. You then repay the loan over a fixed number of payments, called installments. Many installment loans also have fixed payment amounts, meaning the amount doesn’t change over the life of the loan — whereas if you have a variable interest rate that amount can change.


The Top 10 Best Payday Loan Companies for Online Payday Loans


Lending Bear

award winning companySince its incorporation in 1990, Lending Bear has been providing short-term loans to consumers throughout the Southeast. The company offers a variety of quick-cash options including installment loan, payday loan and pawn loan, among others. The best thing about this company is that the credit score won’t immediately disqualify potential customers. Additionally, their rates are fair and transparent and their customer service is unmatched.

Lending Bear is licensed in all the states it operates in and most of their transactions take less than 15 minutes. They currently offer installment loans of up to $1,000. Therefore, if you are in search of a fast, friendly, and confidential short-term lending partner, Lending Bear is your one-stop place.

Lending Bear
12276 San Jose Boulevard, Suite 534
Jacksonville, Florida 32223
Phone: (855) 285-5700


Cash Link USA

Cash Link USA is a state-licensed direct lender for short-term online loans Kansas, Missouri, Tennessee, Texas and Wisconsin. When you do business with us, you can trust that you will be treated fairly by a reputable company. The approval process is quick and easy with a payback plan that fits your budget. A low credit score won’t affect your ability to borrow with us either. Our professional service agents are ready to assist if you have questions or are ready to apply.

Cash Link USA
1901 W. 47th Pl, Ste 1
Mission, KS 66205
Phone: (800) 939-7330


Advance America

Since 1997, Advance America has served millions of Americans and built a reputation for providing a “5-star customer experience.” Several online loan types are available through Advance America, including payday loans and lines of credit. After applying on the website, your eligibility will be determined for loan amounts of $100 or more.

Applications submitted after 9:30 CT are usually available as soon as the next day. You will be notified if you are approved for a loan within minutes.

Payday loans are available in amounts from $100 to $500 while installment loans are available in amounts from $200 to $2,000.

Advance America
135 N Church St
Spartanburg, SC 29306 USA
Phone: (844) 562-6480


Check Into Cash

One of the first of its kind, Check Into Cash appeared on the market in 1993 and quickly became a trailblazer for the payday loan industry. The company prides itself on being a key influencer in the creation of “best practices” standards for the industry, which includes a guarantee that a customer will not be misled or provided with a loan that will cause financial hardship because of an inability to pay.

Online payday loan applications are quick and easy to fill on the company’s website, and approval is instant. Two to four-week repayment terms are available for loans from $100 to $500.

Check Into Cash
201 Keith Street, Suite 80
Cleveland, TN 37311
Phone: (877) 577-7977


Ace Cash Express

Since 1968, Ace Cash Express has offered alternatives to traditional banking and given you, the customer, more control over your financial services. Notably, they offer a 72-hour satisfaction guarantee on payday loans, so you have the power to change your mind without penalty.

Kansas residents can apply online, but you’ll need to head to the store location if you’re located in Missouri due to state laws. Loans come in increments of $25 for amounts of $100 to $500 with 9 to 30-day repayment terms, which is determined by your pay date at your employer. You can pick up your cash in the store or have it deposited into your bank account the next business day.

Ace Cash Express
ACE Cash Express – ACE President
1231 Greenway Drive, Suite 600
Irving, TX 75038
Phone: (888) 223-7739


My Payday Loan Cash

With years of lending experience, My Payday Loan is a top tier lender that provides customers with short-term cash loans to get them moving during hard times. Offering loan limits that start from $100 to $2,500, this company has got you covered whenever you are going through a rough financial patch.

Their loan application process is quick and straightforward, and once your request is received, it is reviewed within the shortest time possible. If you qualify, you get your cash through direct deposit. When you pay your loan without delay, you get the chance to request more cash without the need to re-apply once again.

My Payday Loan Cash
1125 E Broadway #545
Glendale, CA 91205
Phone: (888) 775-0859


World Finance

An expert with nearly 60 years in business and over a million customers served each year, World Finance offers personal installment loans, which vary slightly from payday loans.

Installment loans at World Finance are fixed-rate monthly payments with terms up to 46 months. You will need to keep in mind that installment loans are reported to the credit bureaus, so the loan will affect your credit score. You will need to be more thoughtful when choosing this loan in case it might become difficult to pay off.

Within about an hour of submitting your online application, you will find out if you were approved and can head to the branch location to pick up your money. Then, you can set up your online account to handle repayments.

World Finance
PO BOX 6429
Greenville, SC 29606
Phone: (888) 378-3886



A relative newcomer, Spotloans was founded in 2012 and has dedicated itself to revolutionizing the online loan industry with smarter artificial technology that best serves your interests. The application process is quick with approval determined within minutes.

Spotloans offers short-term installment loans to online applicants. You can borrow $300 to $800 and will have 3 to 10 months to pay the loan back. Spotloan is exclusively online. You can easily apply on the website and receive your money by the next business day. Be sure to check out the financial education section of the website for insights into managing money, debt, and credit.

P.O. Box 720
Belcourt, ND 58316
Phone: (888) 681-6811


Check N Go

Since opening in 1994, Check N Go has become one of the most recognizable names in payday loans. As an industry leader, the company is committed to communicating expectations clearly. Potential applicants and borrowers alike have access to financial literacy education. You can visit the website to learn more about finances and budgeting in Finance 101.

With Check N Go, your application process will be quick with instant approval. Funds will be directly deposited to your bank account the following day and the full amount of the loan will be due on the day of your next paycheck from your place of employment.

Check N Go
7755 Montgomery Road
Cincinnati, OH 45236.
Phone: (800) 561-2274


Rise Credit

Rise Credit is exclusively online and strives to not only offer loans to help customers out of a tough spot, but also offers financial planning tools so that you can learn how to improve your finances and reach your financial goals.

Missouri residents can take out loans as little as $300, while loans for Kansas residents start at $500. In both states, borrowers can be approved for up to $5,000 and receive their funds by the next business day. Repayment terms range from 5 to 26 months. Customers have flexible payment scheduling options and a 5-day risk-free guarantee to return the principal amount of the loan in full with no penalty.

Rise Credit
4150 International Plaza, Suite 300
Fort Worth, TX 76109
Phone: (866) 580-1226



Having served over 3 million customers since 2004, CashNetUSA is a trustworthy option. Kansas City residents can apply online for a line of credit from which you can withdraw funds in amounts as little as $50 any time you need it.

Kansas residents can be approved for lines of credit from $100 to $3,000 while Missouri residents can borrow from $550 to $2,800. Applicants can submit their information online and usually will find out if they are approved instantly. Requested withdraws will hit your bank account by the next business day or on the same day for requests placed before 9:30 am CT.

175 W Jackson Blvd Ste 1000
Chicago, IL 60604-2863
Phone: (888) 801-9075


Now You Are Ready to Get the Best Online Payday Loans

If you have an urgent, high-dollar bill and need help to cover the cost, a state-licensed payday or short-term loan company can provide you a loan option that will keep you on your feet. Each company will offer different benefits, while rates and terms will vary somewhat by company and state. Such variety gives you the freedom to find the loan that will best meet your needs.

From payday loans that you can pay off when you receive your next paycheck to installment loans and lines of credit that give you the possibility of a higher loan amount along with more time to pay off the loan, there is an option to cover your emergency expenses.

Although the ability to repay your loan is important, most companies will still consider your application even with bad credit. This is an industry that understands the immediate needs of its customers and wants to help as many people as they can.

Remember, short term loans are not intended to be used frequently or to help you cover the cost of daily living. Communicate your needs openly with the loan agent and use the financial literacy learning tools available online to ensure that you are making wise choices with your money.

If you like this post about the top payday loan companies, you might also want to check out our list of best cash home buyers.