Payday loans offer a safe, easy and convenient way to get cash to cover an unexpected expense. When you're low on funds and have bills to pay, these short-term advances tide you over to your next payday. It doesn't matter why you need the money. When you need cash now but payday isn't until later, our instant payday loans can help.
Get access to quick, safe and easy online application.
Get online decision in minutes. Bad credit history accepted.
Get your approved loan in your account as soon as tomorrow.
Why should I get a payday loan?
When you need money fast, you have a few options. There are credit cards, title loans, pawnshops and
personal bank loans. But payday loans offer a host of advantages these other funding sources do not.
Our network of reputable payday lenders can give you the money you need without charging outrageous fees or subjecting you to invasive credit checks.
Instant Approval and Quick Funding
When you apply for a bank loan, you often have to wait several days for a credit decision.
Then you wait several more days for the funds to appear in your account. In an emergency situation
where a bill has to be paid, you don't have that kind of time.
Payday loans online put money in your pocket fast when you need it. The application is simple and straightforward. You don't have to provide pages upon pages of documentation. Typically, you can complete the application in five minutes or less. A credit decision comes fast — often in minutes — and you can receive your funds within 24 hours. With the money in your hands, you can meet your expenses and remove that stress from your life.
Lenient Credit Requirements
In the wake of the 2008 financial crisis, banks and credit cards tightened their lending standards
substantially. It might have been easy to get a credit card or bank loan before the recession, but
these days, a few credit slip-ups in the past can result in a quick denial.
Every payday lender is different, but as a whole, they're much more lenient with past credit issues. As long as you have a job, a valid ID and a bank account, you should be able to get approved for a payday loan.
Have you ever tried to calculate the exact interest due on a revolving credit card balance?
You need an advanced degree in finance just to get it in the right ballpark. Then there's the fact
that credit card rates might sound good, but the interest compounds every day, resulting in a snowball
effect that piles the charges on you fast.
With a payday loan, the interest and fees are simple and straightforward. You know the exact terms of the loan before you sign on the dotted line. On the date your loan is due to be repaid, you pay back the amount you borrowed plus a small, fixed finance charge. It's that simple. There's no revolving interest or hidden fees.
Payday loans offer a major advantage over title loans and pawn shops. You don't need to put
any of your personal assets at risk. If you get in a bind and have trouble repaying a title loan,
the lender can take your car. The same is true at a pawnshop with the item you pledge as security.
But a payday loan is unsecured, meaning there's no collateral for the lender to seize.
Safety and Security
Both the federal and individual state governments regulate the payday loan industry closely.
To remain open for business, a payday lender has to abide by an extensive list of regulatory guidelines.
These standards are in place to protect you, the borrower, from unfair practices. Lenders that don't
follow guidelines lose their ability to do business. You can borrow with confidence when you choose a
reputable payday lender such as Slick Payday Loans.
How much can I borrow?
Every payday lender has its own policies on how much you can borrow. Also, some states cap payday loans
at specific amounts. Depending on where you live and what company you go with, you can expect to be
approved for a loan amount ranging from $100 to $1,000.
Because your loan amount determines your finance charge, it's a good idea to borrow only what you need to meet your expenses. You are free, however, to apply for any payday loan amount you choose up to the maximum allowed by your state and lender.
What is the next step?
If you're ready to get the funding you need, you can get a quick payday loan approval with our easy three-step application.
The first page requests simple information such as your name, current residence and date of birth. On the second page, you'll enter your contact and employment information. The last page asks for your bank account deposit information — this is where the money will go after your application gets approved.
The process is that simple. We'll connect you with one of our many partner lenders right away. You can receive an answer quickly and get your money as fast as possible.
Ready to take the next step? Apply for your hassle-free payday loan now!
Payday loans are quick and easy way to find the cash you need, when you need it.