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Same Day Loans

Here's some solid advice for tough times. Turn to iPaydayLoans and you can finance your needs quickly. We will connect you to same day payday loan lenders who can process your funds quickly. iPaydayLoans is nothing like your traditional lender. We are even better.

How Much Do You Need?

Want to borrow more than $5,000? Click here!

What Is an Online Same Day Loan?

There are times when you need fast access to cash to cover a sudden expense, but you don't have enough money set aside. Same day loans can often be a great solution to consider, as they are a simpler and quicker loan option for anyone who wants to obtain financial assistance on the same day.

However, inevitably, these same day loans can sometimes take a bit longer to show up in your account, as the funding time also depends on the time of the day you submitted your application, as well as your bank’s internal policies and processes.

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What Are the Best Same Day Loan Options?

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Payday Loans

A payday loan is essentially a same day cash advance that allows you to get quick cash the same day of applying. You can hold the amount you owe until your next payday when you need to make a full repayment with interest.

Installment Loans

Unlike payday loans, installment loans are loans that can be paid back over a longer period of time (typically a few months). Same day installment loans also tend to come with more favorable interest rates, even if you have a poor credit rating.

Title Loans

A title loan is suited for those looking to get a large cash advance online the same day by using their car title as collateral. You can usually borrow between 25% to 50% of your car's value, on average. They are a high-risk option that can result in the lender repossessing your car, if you are unable to make the complete repayment in time.

Benefits of Same Day Payday Loans

Immediate loan deposits when you need it

same day payday loans are a good funding source to settle bills that can't wait till your next paycheck. Lenders will usually deposit the borrowed amount in your checking account by the end of the day or by the next business day at the latest.

Putting up collateral is not necessary

Most same day funding loans are unsecured, which means it is not necessary for you to put up your car or personal property to back the loan. However, the downside is that because of the increased risk to the lender, you will usually be offered lower loan limits and high interest rates in return, so keep that in mind.

A bad credit score is not a dealbreaker

Even if you do have a bad credit rating, you can still apply for same day loans for bad credit, because most credit lenders are usually more concerned with your ability to pay back the loan. In other words, they tend to offer easy loan approval, as long as you can at least show proof of a steady income stream.

Who Can Apply for a Same Day Payday Loan?

The eligibility requirements for same day payday loans online tend to be less stringent. Same day payday loans don't require you to have a stellar credit rating. In most cases, you only need to ensure that you:

  • Are over the age of 18
  • Are a legal resident of the US
  • Are formally employed or have a verifiable and steady income source
  • Have an active email and phone number
  • Have a checking bank account
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How to Get Same Day Loans?

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    Apply Online

    Fill out an application form via iPaydayLoans, which utilizes high-standard protection measures to keep your data secure. The process should only take you a few minutes to complete and once you are done, we will connect you with some lenders.

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    Get Approved

    Once our lenders are done assessing your application, if you satisfy their requirements, you can expect a loan offer that will outline the loan terms and conditions. You can then review the offer and if you decide to accept it, e-sign it.

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    Get Your Money

    In most cases, payday loans online will reflect in your account by the end of the day. However, this can vary depending on the time of day that you applied for the loan. Sometimes you need to wait until the next business day to get the money.


  • 1. How does the coronavirus affect same day loans?

    The pandemic undoubtedly disrupted a lot of economies and the credit lending industry was no exception, as most lenders were forced to adjust what requirements borrowers need to fulfill, as well as their rates and fees when evaluating same-day loan applications.

  • 2. Can I get same-day payday loans with no hard credit check?

    Absolutely. There are same-day payday loan lenders who run soft credit checks via reporting agencies other than the big-three (Experian, Equifax, and TransUnion). These checks don't reflect on your profile. iPaydayLoans connects its users with lenders who run only soft credit checks.

  • 3. When should I apply for the same day loan?

    If you want to be approved and have the cash loan deposited into your account within the same day, then it is often recommended that you apply for the loan in the morning. This should ensure that you will receive the cash loan in your account by the end of the day, even if the lender takes the time to review your application.

  • 4. What are the risks of same day loans?

    It is important to keep in mind that online same day loans will usually come with high interest rates, as well as shorter repayment periods. And should you end up defaulting on a payment, you may end up having to deal with late payment fees and penalties, which could make your debt situation even worse.

  • 5. What can I use the same day loan for?

    There are a wide variety of ways that you can choose to spend a same-day loan, but they are mostly recommended to be used only to pay for emergency expenses that you may have been unprepared to deal with such as unexpected medical costs, sudden car or household repairs, increased utility bills, etc.

  • 6. How long can I get a same day payday loan?

    Same day payday loans will usually come with a repayment period of a few weeks, on average. And it is for this reason that lenders tend to charge high interest rates to compensate for the high level of risk involved.

  • 7. What's the maximum amount I can get with same day payday loans?

    This largely depends on the state's regulations concerning credit limits for payday lenders, and also on how much the lender is willing to offer based on their assessment of your affordability. However, iPaydayLoans can connect you with lenders who can provide you with up to $5k loans.

  • 8. Can I get the same day loan with bad credit?

    Absolutely. Contrary to what some may believe, you can get easy loan approval for same day cash loans, because most credit lenders are usually concerned with you showing proof of income, rather than a high credit score. This means that as long as you fulfill their eligibility requirements, and are able to show that you have a steady source of income, then you should be able to secure a cash advance online the same day without any hassle.

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Get Cash Today With Same Day Loans Online!

Securing a loan within the same day can be difficult, but as a credit broker, we can quickly connect you with one of the lenders in our network, who can provide you with easy loan approval and all you need to get started is to fill a quick application form, which should put you one step closer to a same day payday loan!

Get a Quote

iPaydayLoans is a company committed to connecting borrowers to hundreds of reputable online lenders to apply and get small-dollar payday loans quickly, easily, and securely, helping cope with life emergencies like paying medical bills, home, or car repairs, and so on.

Customer Note: A payday loan is traditionally used to help people borrow a small sum of money until the next upcoming payday. It's a short-term solution to cover unexpected expenses when people have no savings or deep pockets. Those who find themselves in a bind with their budget and want to refill it with credits should seek the advice of a professional financial assistant. A borrower also has to peruse local regulations related to a payday loan.

Availability: The service of this platform may not be accessible to people based in restricted states. Please check the local regulations to find out its availability in the area. Rules of this website are subject to change without notifications.

NOT A LENDER Disclosure: iPaydayLoans is not a lender but a broker and does not charge you any fees for our broker services. The lenders or other broker services we introduce to our customers through this website may pay us commissions if customers enter into a credit agreement with them.

Disclaimer: iPaydayLoans is not a lender, does not take applications or make loans or credit decisions. We are not an agent, representative or broker of any lender. We provide a service to connect you to a lender from our network. We do not control and are not responsible for any lender's actions or decisions.