Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers

Borrow Money Online Get Funds in 24 Hours with Loan for Success

If you need money now, Online Payday is here to help. We offer loans from $100 – $2,500 and even bad credit! Get an instant loan decision with our free inquiry form today and funds are available within 24 hours (or next business day).

How Much Do You Need?

Need money now? Get an instant decision!

Bad credit? No Credit? No Problem

Receive your funds in 24 hours (next business day)

Why Should I Borrow Money Online with Online Payday?

Online Payday helps you find the right place to borrow money. We only work with reputable payday lenders from across America, whose rates have been reviewed by the entire Online Payday Team.

If you’re struggling with bad credit, we understand that it can be difficult to get approved for a loan or to borrow money at low rates. But our network of lenders is willing to take a look at different credit histories. We will connect your loan request with the lender most likely to approve you and offer the most affordable rate.

Frequently Asked Questions

In less than 5 minutes, you can fill out our online form and receive an instant decision on the screen. You will be connected with a lender in our network. There is no cost for submitting a form, and your data will be kept safe and secure on our website.

Customers can receive an instant decision when they submit a form, and typically they can receive funds within 24 hours or the next business day. 

Our online form takes less than 5 minutes to be completed and will give you an instant decision on screen. We can connect you with one of the reputable lenders in our network. There are no fees for submitting a form and your data will be kept safely and securely on our website.

Yes, we can assist with bad credit loans for people with poor credit and no credit checks. A stable income and the ability to make monthly payments are usually required. Despite your bad credit history, lenders need to be confident that your credit score is improving and that you will repay your loans on time. 

You must be at least 18 years old, a U.S. resident, earning a steady income per month, and have a checking account where your loan can be deposited to qualify for a loan.  You must also be able to repay the loan.

Online Payday can help if you are looking to borrow $100 or $300 until your next payday. It is possible to borrow up to $2,500 depending on factors like your income, credit score, and affordability.

Our Blog

What Is a Personal Loan?

A Personal loan is a form of credit that you can use to consolidate debt or make a large purchase.

APR Range

Onlinepayday.us functions as a connection platform and doesn’t have the authority to provide precise APR information. Users originating from Google advertisements can expect rates on Onlinepayday.us to range from a minimum of 5.99% APR to a maximum of 35.99% APR, adhering to the Truth in Lending Act (TILA). The repayment terms span from 61 days to 72 months, a figure determined by the lending institution. You will be informed of the final APR before accepting any loan terms.

Annual percentage rates are contingent on the data supplied in your initial loan request and the information provided by the lender. Rates are subject to change without prior notice. The actual rate and monthly payments may vary based on creditworthiness.

Repayment Terms

Lenders affiliated with Onlinepayday.us provide repayment periods of up to 72 months, with a lending period ranging from 61 days to 72 months. Payment options occur once to twice a month, and the maximum APR is between 5.99% and 35.99%*.

Representative Example

For instance, if you borrowed $5,000 over 48 months with an 8% arrangement fee ($400), your monthly repayments would be $131.67. The total payback amount, including the fee, would be $6320.12, resulting in a total cost of $1720.12. The representative APR is 18.23%.

Examples of Costs & APR

Financial Implications (Interest & Finance Charges)

Onlinepayday.us is not a lender, and we cannot predict what fees and interest rates will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. You are responsible for perusing the loan agreement carefully and accepting the offer only if you agree to all the terms. Onlinepayday.us service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

Upon acceptance of loan terms, you commit to repaying the loan per the outlined schedule. Non-payment may incur additional charges, the specifics of which are determined by the lender. Please refer to the late, partial, and non-payment policies outlined by your lender.

Potential Impact to Credit Score

Onlinepayday.us is not a lender, and we do not check your credit standing and credit capacity. When you submit a request on our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. They will most likely turn to one of the three major credit bureaus: Transunion, Experian, or Equifax. When the lender inquires about your credit via these platforms, that inquiry will be considered a hard inquiry, affecting your credit score.

Collection Practices

Onlinepayday.us is not a lender and, because of this, we have NO involvement in the debt collection process. As part of the lending agreement provided to you by the lender, they will disclose their debt collection practices. If you have any collection questions, please contact the lender for complete details. Onlinepayday.us only works with reputable lenders who use fair collection practices.
 

Footnotes
* – APR’s and interest rates may be higher. Please read before you sign
(1) – Five minutes is the average time taken to complete the online loan offer process, submit your details and receive a loan offer decision if approved.

(2) – Sixty seconds is the average time it takes to receive a response from our system once you have submitted your details for a loan offer decision.

(3) – Depending on the loan amount, lender and your bank’s clearing times funds can be received on the same day, next day or within a few days.

Scroll to Top