Apply for a Payday Loan Online | Your Credit Advisor

How to Get a Payday Loan

What it is

A payday loan is a loan that is taken out to solve a temporary cash flow problem or shortfall that can arise in between pay periods. For instance, a borrower may want a payday loan for anything from groceries, to bill payments, to mortgage payments and more. A payday loan, a type of emergency cash loan, is more risky for the lender than the usual loan and is more expensive to borrowers as a result. These loans are only for borrowers who can repay the loan immediately. Depending on the lender, a payday loan can be obtained by people with bad credit or people who have had difficulty getting approved for loans and mortgages in the past.

Payday loans are typically easy to obtain. They can offer up to $1,500 for first time borrowers, do not require credit checks, offer 24-hour approval and 100 percent privacy protection.

Who it's for

A payday loan is for people who have fallen short of cash and require a very short term loan in order to make ends meet for a day or two. Emergency cash loans can help people pay the bills, pay for emergency repairs on a vehicle, take care of vehicle insurance, pay for emergency travel or medical expenses, and much more. These loans aren't for everyone, but for people who have poor credit or require fast cash within 24 hours. The interest rate on these loans will be very high and only people who can repay them immediately should get them.

What you need to do to apply

In order to obtain a pay day loan, interested borrowers should contact a local emergency cash lending company or an internet-based emergency cash lending company. Being accepted is usually as easy as filling out an application form.

Apply for a Payday Loan

Cash Advance Network: Need money now? Get up to $1000 in just 24 Hours - Apply online!

Popular Credit Cards

Recommended Credit Card

The Platinum Card® from American Express

The The Platinum Card® from American Express is one of the most popular cards available. Your Credit Advisor recommends it as our favorite in this category.

25,000 Membership Rewards® points when you spend $1,000 during your first three months of Card membership
GLOBAL Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass
Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked-baggage fee
24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
FINE HOTELS & RESORTS Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
Apply online now at American Express's Web site.

Intro APR	Regular APR	Credit Needed	Annual Fee
No Introductory Rate Available	No APR	Very Good	$450

Citi® Platinum Select® MasterCard®

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
Citi® Identity Theft Solutions
Secure, free online account management
No annual fee*
Read our review or apply online now at Citibank's Web site.

Intro APR	Regular APR	Credit Needed	Annual Fee
0% Intro APR*	11.99% - 21.99%* (Variable)	Very Good	$0*

Starwood Preferred Guest® Credit Card from American Express

Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel
Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
2011 SmarterTravel® Award for "Best Travel Rewards Card"
$0 introductory annual fee for the first year, then $65
Read our review or apply online now at American Express's Web site.

Intro APR	Regular APR	Credit Needed	Annual Fee
No Introductory Rate Available	15.24% - 19.24% variable	None	$65*

IberiaBank Visa® Classic Card

No Annual Membership Fee
Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
Online Access to Credit Card Account Information
Apply online now at the card issuer's Web site.

Intro APR	Regular APR	Credit Needed	Annual Fee
1.99% APR for 6 Months	7.25%, 10.25%, or 13.25%*	None	$0

American Express® Gold Card

Earn 10K Membership Rewards® points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership
Exclusive access to Gold Card Events - select concerts, shows, major sporting events, and more
Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
Get approved in 60-seconds.
Read our review or apply online now at American Express's Web site.

Intro APR	Regular APR	Credit Needed	Annual Fee
No Introductory Rate Available	No APR	Good	$125

Copyright © 2006–2012 Your Credit Advisor
About | Contact | Privacy Policy | Sitemap