Best Online Payday Loans for Bad Credit with Instant Approval

We have all been there when a car suddenly breaks down or something needs immediate repair in your house. Many people live paycheck to paycheck, and when something unexpected happens, it can be difficult to get funding.

Online payday loans are one of the ways you can get that quick loan without having to go through a lengthy process.

This article will guide you in all you need to know about online payday loans. We will note the best online payday loan for people who have bad credit.

We will also discuss the steps you need to follow to request loans online, as well as suggest the people who may benefit from online payday loans.

Our Top Picks of the Best Online Payday Loans with Full Reviews

Online Payday Loans can get you approved for loans after completing an online questionnaire. This can save you a lot of time, especially if you need the funds as soon as possible. Aside from this, Online Payday loans do not have a credit score requirement.

#1. MoneyMutual

A secure yet quick-acting online payday loan is MoneyMutual. You may get loans online of upto $5000 in a day once you get approved. In addition, MoneyMutual offers a platform for both borrowers and lenders to connect and instantly make a deal.

If you are looking for a fast yet convenient way to request a loan and get the money, this platform is for you. MoneyMutual gives you a simple form to fill out so you can make your request. After filling out the form, wait to get approved, and you can connect with payday lenders instantly.

MoneyMutual has millions of users worldwide because of its secure and safe payments. This platform does not have a credit score requirement, so you can request a loan even if you have a low credit score.

However, credit scores may affect the conditions lenders can give you. As soon as you are approved, lenders will review your information. Once a lender determines that they can work with you, they will send you an agreement.

You can review the agreement and accept its terms if you feel that it meets your requirements. After this, you can expect to receive the loan in your bank account after the next business day. Then, depending on your terms with the lender, you can pay the money back in installments as well.


  • MoneyMutual has over 2,000,000 users who trust their service
  • Can instantly connect you with lenders
  • No required lengthy process for approval
  • Uses a safe and secure method, so you do not have to worry about your privacy
  • Does not require you to have a good credit score to request a loan
  • Connects you with lenders that offer short-term loans


  • Introductory questionnaire can be completed in less than 5 minutes
  • Do not need to have a good credit score to request a loan
  • After accepting the loan terms, you can get your money within one business day
  • Uses a safe and secure method to protect your privacy and information
  • Trusted by over 2 million users worldwide
  • Instantly connect with willing lenders for loan offers
  • Allows multiple loan types so you can choose which term is most beneficial for you
  • Process is convenient and simple to understand
  • No fee to use the services of MoneyMutual


  • Must have an monthly income of at least $800 to qualify for loans online
  • Maximum limit of $5000 for loan requests
  • Must be at least 18 years old and have a bank account

Customer Experience

MoneyMutual has over 2 million users worldwide, connecting both borrowers and lenders alike. Customers love the simple process of MoneyMutual, letting you complete the online form within minutes. You do not need to go through a lengthy process to get a loan.

Users who need money instantly appreciate the convenience that MoneyMutual provides by connecting you to lenders that are willing to provide you with flexible loan terms. Users also love the secure and safe method that MoneyMutual uses because it protects your privacy and personal information.

If you need quick funds and do not have a good credit score, check out MoneyMutual. You can receive up to $5000 in your bank account after getting approved. Loan terms are dependent on the lender willing to give you the amount you requested.

=> Click here to get more information on MoneyMutual

#2. BadCreditLoan

BadCreditLoans is a sleek and modern online payday loan service for people who have bad credit. The process is convenient and quick, giving you options to get your loan request within 24 hours. This feature is excellent for people who need their money as soon as possible.

One of the reasons why people use BadCreditLoans is because their services are completely free. The site is also completely transparent about its terms and conditions. However, keep in mind that BadCreditLoans is not actually a financial lender.

Instead, they serve as a platform for borrowers and lenders to connect. You only need to complete the online form that BadCreditLoans offers to start your loan request. You can request up to $10,000 by simply typing the amount you need on the site.

All of the steps necessary to start your loan request can be completed online. BadCreditLoans instantly reviews your information after completing the form to see if you are eligible to get loan offers from lenders.

If you are unsure whether you should accept a loan offer or not, BadCreditLoans also offers advice for loan decisions. This platform also has one of the best customer service support available 24/7 for any inquiries or questions.


  • Offers convenient and quick loan options for people who have a bad credit score
  • Sleek and modern website that is easily navigable,
  • Offers advice for responsible loans and decisions on which loan you can take
  • Requesting a loan is only three easy steps that you can complete online
  • Customer service is available 24/7 for any questions you may have


  • Offers advice for loan terms and debt handling
  • Customer service staff is available 24/7
  • Website is easy to navigate and understand
  • Immediate response about eligibility for a loan
  • Offers loan options of up to $10,000
  • The service is completely free
  • Uses data encryption technology to protect your information
  • Site offers other services like credit repair and debt relief


  • The network of lenders determine whether you are eligible or not
  • Interest rates can be high compared to other payday loan online

Customer Experience

Users of BadCreditLoans love the services the site offers. Aside from the quick and convenient online form you need to fill out, you can get a response immediately after submitting the request for approval.

The lenders of BadCreditLoans will determine whether or not you are eligible for a loan. Once approved, you can get your funds within a day. The site also offers credit score repair and debt relief for people who were not approved for their loans.

=> Click here to get more information on Bad Credit Loans

#3. CashUSA

CashUSA is another online payday loan service that you can use if you are in a pinch. The primary difference between CashUSA and MoneyMutual is the maximum number of loans you can request from the lenders.

This platform allows you to secure a personal loan after completing their online form within minutes. The online form that the platform gives you is secure and safe to finish with no worries for your personal information. CashUSA also uses encryption security to protect the personal information of its users.

After completing the online form, you can get connected with lenders through CashUSA. You can simply input the amount of funds you need and choose from lenders who are willing to give you terms immediately.

The direct lender is required to give you all the details needed for the loan offer, so be sure to check all the requirements before you accept the offer. Once you accept the offer, the lender may ask for additional personal information for security.

CashUSA also advises you to get your personal and bank information beforehand so you can complete the online process faster.

This platform also offers extra information about the type of loans you can get and how to handle your finances better. CashUSA can also connect you with providers that may offer you a line of credit if you prefer that lending model.


  • Quick and convenient online payday loan service that can help you secure a maximum of $10,000
  • Entire application is completed online; no need to complete multiple papers and requirements
  • Platform uses an encryption method to secure any personal information you give
  • Offers educational resources on how to handle your finances better
  • Connects you with different kinds of lenders for multiple options
  • Can give you information on your loan request within one business day
  • Only requires you to be 18, have a banking account, and a steady income to request a loan
  • Easy to contact if you have any questions or inquiries about their services


  • No required credit score to get a loan request for CashUSA
  • Funds may be deposited in your bank account within 24 hours of getting a loan approved
  • Massive number of participating lenders, giving you more opportunities for loan offers
  • Flexible terms and offers determined by your lender
  • Offer tips and information on how to handle your finances and debt
  • Free educational resources
  • No additional fees for services
  • Loan request process is convenient and does not require multiple papers and requirements
  • Loan may be used for any purpose
  • Maximum loan amount of $10,000
  • Responsive customer service staff


  • Required to have at least $1000 monthly income to qualify for a loan request
  • Interest rates can be high, depending on the amount borrowed

Customer Experience

CashUSA has helped thousands of users to get loans conveniently without requiring good credit scores. The platform also has a vast network of lenders that offer different terms, giving users many options.

Users also love the free educational resources that CashUSA offers for free. The resources contain multiple tips and advice for handling financial debts. CashUSA also uses an encryption method that protects your personal information.

=> Click here to get more information on CashUSA

#4. BillsHappen

If you prefer a longer repayment term, BillsHappen may be the right online payday loan for you. This platform has a high reputation and is featured on media platforms CNN and Fox News because of their consistent service.

Finding a loan through BillsHappen is convenient and fast, allowing you to finish the online request form within minutes. In addition, all of the processes can be completed online, and you do not need to make any face-to-face contact.

BillsHappen does not charge any fees for requesting a loan, and you can securely complete the form without compromising your privacy. This platform uses SSL technology to keep your information and privacy secure.

Once you complete the initial form, you may instantly get an offer from the site. Then, BillsHappen shares your information with potential lenders that may be willing to work with you. You may then be required to give more information once a deal has been made.

BillsHappen also does not have any requirement regarding your credit score. After completing their online form, you may get multiple loan offers through their network of lenders. Your repayment schedule will depend on the offer you accept.

Another great benefit of an online payday loan like BillsHappen is that you can use your loan for financial needs you may have. Accepting a loan offer means you could get your funds within a day in your bank account.


  • Convenient platform to get loan offers of up to $5000 from lenders
  • Only requires an online form that you can complete within minutes, allowing you to get a loan request immediately
  • Lender may offer flexible and longer repayment terms
  • Does not require you to have a good credit score to request a loan
  • Quick and convenient process, giving you access to hundreds of lenders
  • It was featured on multiple media platforms like CNN and Fox News.


  • Required form can be completed online within minutes without having to contact anyone
  • Partnered with hundreds of lenders, giving you flexible repayment terms and offers
  • Site uses SSL technology to protect your personal information
  • You can get your money within one business day after agreeing to the loan terms of the lender
  • No credit score requirement
  • No additional fees for services
  • May receive multiple offers after submitting quick online form


  • Application form requires a lot of personal information
  • Maximum loan amount of $5000

Customer Experience

BillsHappen is a popular choice when it comes to online payday loans. Users love the convenient online form presented to borrowers.

You can complete the form within minutes and get access to your funds within one business day if you accept a loan offer; however, this online payday loan service does require more personal documents, such as a social security number and a driver’s license.

=> Click here to get more information on BillsHappen

#5. CreditLoan

As you have noticed, most online payday loans available only offer $10,000 or less. CreditLoan, on the other hand, offers up to $40,000 potentially, if you have a good credit score. This online payday loan service has been around since 1998.

The platform has over 33 million customers using both their services and lessons. Aside from an online payday loan, CreditLoan also offers interest rate calculators and information about your mortgage. Their website lists hundreds of financial topics for you to digest.

This platform allows users to simply click get started and answer a few questions to request your loan. The site will connect you with lenders who are willing to give you loan offers. You can also use their loan calculator to decide the amount of loan you are ready to request.

CreditLoan offers different types of loans like student, personal, auto, and bad credit loans. If you have bad credit, you can still request a loan for your necessary purchases. You can also view the lenders that are currently available on the site.

The company’s more than two decades of service has earned them a lot of experience when it comes to handling financial situations. The staff of CreditLoan is also extremely friendly, so you can ask any questions you may have.

If you have a poor credit score, you can still take advantage of the site's services; however, your maximum loan amount may be $5000. If you need a smaller loan amount, you can request down to a minimum of $250.


  • In the market since 1998, giving the brand having years of experience
  • Featured in media platforms like Forbes and CNNMoney
  • Services are completely free of charge
  • Immediate response after completing the online form
  • Offers multiple free financial educational resources online
  • Contains a separate loan option for people with bad credit scores
  • Offers multiple loan options, like student loans and auto loans
  • May receive funds within 24 hours after approval and loan acceptance


  • Years of experience
  • Free financial tips and advice
  • Offers mortgage and loan calculators for your convenience
  • Hundreds of positive user reviews about its service
  • Offers installment loans for as small as $250 up to $5000
  • Immediate response


  • Requesting a loan of more than $5000 requires a good credit score
  • Online form is lengthy compared to other platforms

Customer Experience

Hundreds of users love CreditLoan because of its long-standing reputation in the market. The brand has been helping users for years with free educational resources for people who need financial assistance. You can also access their other services like mortgage calculators and interest rates calculators.

However, people with bad credit can only access up to $5000 maximum loan amount compared to people who have a better credit score. So, if you need a higher loan amount but have bad credit, this may not be for you.

=> Click here to get more information on CreditLoan

#6. Personal Loans

If you are looking for larger loan terms and amounts, Personal Loans may be for you. Personal Loans offer up to $35,000 of loanable amount without requiring a lengthy process. All the steps can be done online, and you can get connected with a lender after submitting their online form.

There are no fees or upfront costs for using the services of Personal Loans. The platform also contains a vast network of lenders, giving you opportunities for competitive rates and loan offers. However, keep in mind that the loan offers to depend entirely on the lender, not on Personal Loans.

You can get started with your loan request simply by stating the reason you want to request a loan. After giving your personal information, lenders who are willing to give you loan offers will contact you, and you can establish a deal with the terms you agree on.

After accepting a deal, you can get your funding directly from your bank account after one business day. While you can still request a loan with bad credit, it may affect the rates and loan offers given to you by lenders.

The typical loan repayment terms can last up to 72 months, so be sure to review your options before accepting a loan offer. If you do not get any loan offers from the lenders, they can also connect you with debt relief or credit repair services.


  • Requesting a loan from Personal Loans only requires you to complete an online form that can be done in minutes.
  • You can get a total amount of $35,000 loanable amount if you choose Personal Loans.
  • Once you accept an offer, your funds can be available within one business day.
  • The site offers other services like credit repair and debt relief if you do not get any loan offers.
  • The platform has a wide variety of lenders offering competitive rates.


  • You can get several choices because the platform has a massive network of lenders.
  • The funds you requested will be available in your checking account after one business day after agreeing to the lender’s terms.
  • They do not charge you extra fees for using their services.
  • You can get connected with people who offer credit repair or debt relief.
  • You can request a loan for any personal reason without needing heavy paperwork.
  • The online form requirement can easily be completed online within minutes.
  • It uses data encryption to protect your personal information.


  • Your credit scores can affect the loan terms or offers you receive from lenders.
  • The site does not guarantee you a loan, especially if you have bad credit and need a massive amount of loan.

Customer Experience

Customers choose Personal Loan because they offer one of the largest loan amounts in the market. They also have competitive rates because they have a wide network of lenders willing to give you loan offers.

However, having credit bad can affect the offers you receive from lenders. The site does not guarantee that you will get a payday loan even if you have bad credit. However, they can also offer to connect you with debt relief and credit repair services if you do not get any loan offers.

=> Click here to get more information on PersonalLoans

#7. CashAdvance

Do you need to get a loan but only require a small amount? CashAdvance offers small, short-term loans with a maximum of $1000. This feature is excellent for people who do not need large loans, giving you opportunities for better, flexible repayment terms.

CashAdvance has been on the scene since 1997, helping people with financial assistance. You do not need a good credit score to get approved for a loan in CashAdvance. However, you need a steady income of at least $1000 to be eligible for a loan.

CashAdvance connects you with lenders who are willing to give you flexible loan terms. However, lenders are required to provide you with all the information about your loan term, so be sure to read them before you proceed with the deal.

If you have any questions or inquiries, you can look at their frequently asked questions tab. You can also call their customer service hotline number, which is available on their site. Customers can also create an account to keep track of their loan history and terms.

Not all states allow CashAdvance services, so be sure to check which state allows online payday loan services on their site. Also, unlike other services, the maximum loanable amount depends on the state you are currently in.


  • CashAdvance offers flexible terms for people who would like to borrow small amounts for their needs
  • Simple process completed online
  • Provides a customer service hotline for any questions or inquiries
  • All the terms and conditions can be viewed on the website
  • Platform has been around since 1997, helping hundreds of borrowers
  • No extra fees while using their service


  • Small loan amounts available with flexible terms
  • No credit score requirement
  • Uses a secure encryption method to protect your information
  • Extremely transparent about terms and conditions
  • Rates and fees may be lower compared to other platforms
  • Customer service hotline number provided on their website


  • Loanable amount depends on the state you are living in
  • Not all states allow the services of CashAdvance

Customer Experience

People who use CashAdvance love the convenience the platform has to offer. This provider has been one of the most trusted online payday loan options since 1997. However, not all people can access CashAdvance.

This platform is suitable for people who would like to loan smaller amounts. You can check if the service is available in your area on their site. You can also call their customer service hotline on weekdays if you have any more questions.

=> Click here to get more information on CashAdvance

Guide for How to Get A Payday Loan Online

Getting a loan can be nerve-wracking, and there are a lot of factors you should consider before attempting to use an online payday loan. Check out the benefits and factors below to see if this service will benefit you.

Maximum and Minimum Loan

Most online payday loans only give you up to $10,000 in loans. Of course, the amount you get depends entirely on the lender’s terms and offer. However, if you do not need loans of more than $10,000, this could be a good service for you.

Online Questionnaire

Do you hate paperwork? If so, an online payday loan can be beneficial for you. The entire application process can be completed online. You do not need to meet or contact any person. Once you are approved, just wait for the loans offering and review their terms before accepting.

Look for platforms whose online questionnaire can be finished within minutes, and you can get a response almost immediately after submitting the form. You can also receive competitive rates or multiple loans offered from different lenders.

Eligibility Requirements

Unlike most banks, online payday loans do not require you to have good credit scores. As long as you are of age and have a steady income or benefits, you can request loans. Once you are eligible, lenders will give you loans offering that you can choose from depending on your needs.


Another factor you should look into before using an online payday loan is the security of the platform. Do they offer data encryption? Your personal information is important, so be sure to look for services that protect your data and only give it to potential lenders.

Interest Rates and Repayment Terms

A huge takeaway here is that online payday loans platforms connect you with a potential lender. They are not the lenders but instead give you opportunities for loans offered from various lenders on their network.

The interest rates and repayment terms of your loans depend entirely on the lender. However, the lender is required to disclose all the terms and information included in your loans offered. Always read the information given by the lender before agreeing to any terms.

Who Should Use Online Payday Loans?

You may be wondering; do I need an online payday loan? These services offer multiple advantages. Below are some of the people that will benefit greatly from using these services:

  • People Who Need Quick Cash

If you have a sudden emergency or repair that requires funding immediately, this may be a good option for you. Once you accept a lender’s offer, you can get your funds directly deposited in your bank account within one business day.

Unlike other loan request methods, submitting the online form can get you connected with a lender within minutes. You will also get an immediate response on whether you are eligible for loans or not as lenders review your information and profile.

  • People Who Have Bad Credit

People who have bad credit usually get rejected by banks. However, online payday loans do not have a credit score requirement, and you can apply for loans even if you have bad credit. Your eligibility can be determined by the benefits or income you receive every month.

An online payday loan has a lower income requirement as well; however, keep in mind that other financial statuses like bankruptcy or debts can affect the quality of loans you receive. Some platforms also offer to connect you with credit repair services or debt relief.

  • People Who Hate a Lengthy Process

Requesting loans can take a long time. The process requires a lot of paperwork and personal contact. On the other hand, online payday loan applications only require forms that can be completed online to start your loan request.

  • People Who Need a Small Loan Amount

If you do not need a large loan amount, you can try out online payday loans. Depending on the lender’s terms, you can get loan amounts for as little as $100. Always review the repayment terms of your lender before you accept a deal.

FAQs About Payday Loans

If you are still unsure whether you should use online payday loan services or not, below are some of the common questions people have about these services. Keep in mind that the policies depend on the platform you are using, so read their specific policies first.

Q. How To Get Approved for Loans?

Online payday loans only typically require you to fill up an online form with your personal information. After finishing the form and submitting it, the lenders will review your information and your offer of loans.

Once you are offered loans, you can review their terms to see if they fit your needs. If you would like to accept the offer, you may be redirected to the site of the lender and fill out additional information to form a deal.

Q. Do I Need a Good Credit Score?

No, you do not need a good credit score to request a loan. Online payday loans accept applications from people who have bad credit scores. However, these services may require you to have a steady source of income.

Q. How Soon Will I Get My Money?

Once you accept a lender's offer you can receive it in your bank account within one business day.

Conclusion: Should You Go For a Payday Loan?

Do you need extra funds but cannot get approved for loans because of your bad credit score? Online payday loans are an excellent option for people to get quick and convenient personal loans without the requirement of a good credit score.

The entire loan application process can be completed online, and you can get your funds within one business day. However, always read the terms of your lender and do your research before agreeing to any loan offers.

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