Best Online Payday Loans For Bad Credit: Top 5 Payday Lenders For Fast Cash Approval In 2022

Instant Payday Loans

Glendale, California

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If you’re facing some money challenges and you need a quick solution, you’re in the perfect place. From this article, you’ll learn which are the most secure, fast, and overall, the best online platforms to provide you with a quick payday loan.

Online payday loans are small, short-term loans you can get using a computer or a mobile device. This way of getting a loan is very fast, so it’ll save you a lot of time. The best thing is that the reason why you need the loan isn’t so important. You can spend the money on whatever you want, whether it’s something enjoyable like a vacation or some unexpected emergency. The payday loan platforms we’re going to talk about act as mediators, which means they connect you with the most suitable lender, so let’s start.

Top 5 Best Online Payday Loan Lenders Of 2022:

  1. CashUSA – Overall Best Payday Loan Lenders To Get Instant Payday Cash Advance

  2. MoneyMutual – Most Trusted Short-Term Loans For Quick Cash Funding

  3. RadCred – Renowned Payday Loans Online For Fast Cash Approval Online

  4. Bad Credit Loans – Trusted Loan Company For Bad Credit Cash Loans

  5. Fundsjoy – Recommended For Personal Loans & Emergency Loans For Bad Credit

Here are the detailed reviews of our top picks:

#1. CashUSA – Overall Best Payday Loan Lenders To Get Instant Payday Cash Advance

CashUSA is an online lending platform with over 20 years of experience, so they know exactly what they’re doing. This platform is considered one the most trustworthy platforms for providing quick online payday loans to people in need. This platform even offers you an automatic payment, so you’ll never miss your payment date.

They offer high-quality services and fast loans from $500 up to $10,000, and they even have an education center that contains all the essential info regarding your finances. In there, you can find all the essential details for upgrading your knowledge about credits, banking, finances, or different debts. Now, let’s see the other features that may make CashUSA just the ideal platform for you.


The requirements for your eligibility that CashUSA asks for are the most basic ones, so you shouldn’t have any problem meeting them. Those are:

  • You must be 18 years old

  • You must be a permanent resident or a USA citizen

  • Your monthly income must be a minimum of $1,000

  • You must have a valid phone number, email, and a checking account

  • Application process

You’ll need a couple of minutes to complete the online application form on the CashUSA website. Enter the required information, and after you finish fulfilling the application form, the lenders will have access to it and can see your info, based on which they’ll decide if they can offer you a loan.

Be ready for the possibility that the lender might ask you for some additional info. After that, you’ll get the offer, but you are forced to accept it under no circumstances. If it suits you, accept it with an e-signature, and expect the funds during the next business day. Simply reject it and start looking for another, more suitable lender if it doesn’t.

Your lender will inform you about the fees and APRs, which usually range between 5.99% and 35.99%. The platform has nothing to do with them because they’re between you and the lender. CashUSA doesn’t charge you anything for using its services and doesn’t have any kinds of hidden fees.

The industry-standard encryption that CashUSA has applied to the website keeps all of your important data safe and protected. You can ease your mind knowing that your sensitive info won’t get stolen or misused by outsiders. Furthermore, CashUSA is a transparent platform, so you can inform yourself exactly how they use your data on their official website.

To contact the CashUSA representatives and get the needed answers, you can use the online contact form available on their site. They also have an email and a contact phone number, so you can choose the most fitting way for you to get in touch with them. They’re always happy and fast to reply to you.



=> Click here to visit the official website of CashUSA

#2. MoneyMutual – Most Trusted Short-Term Loans For Quick Cash Funding

MoneyMutual is a famous online platform that connects you with lenders no matter your credit score. This platform started to offer its services in 2010, which shows how much experience it has. The fact that more than 2 million people have used its services shows how reliable MoneyMutual actually is. The website is user-friendly, and you can easily navigate through it. You can ask for a loan starting from $200 up to $5,000, and there are no hidden fees to be afraid of. The application process is quick and simple, so let’s have a better look at how easy using the MoneyMutual services actually is.


The requirements this platform asks for you to be able to apply for a loan are very simple. Depending on the lender, there might be a few other requirements he might ask for, but the general requirements the MoneyMutual asks for are the following:

  • You must have at least 18 years

  • You must be a USA resident

  • You must have a regular income and provide proof of it. The minimum income you must be receiving is $800

  • You must have a valid checking account in order for the lender to be able to make a deposit.

  • Application process

The application process for a payday loan from MoneyMutual is very straightforward and quick. It won’t take you more than 5 minutes to fulfill the application form. The first thing you’ll need to do is to provide your personal info. This includes your name, the country you’re from, your phone number, banking info, and the loan amount of money you need. Then all of this info will be reviewed by a suitable lender, and he’ll decide if he can work with you. If he chooses you, they’ll make you an offer. If you accept it, expect to get the money really fast, in the next 24 hours. But, if you accept the offer over the weekend, you might get your money a bit later.

The services that MoneyMutual offers are entirely free, so you won’t have any expenses for applying and finding a lender. But, when you find a lender, the loan fees and the terms for repayment are between you two, so some fees will appear, so be careful and read everything before accepting the offer.

When deciding to use MoneyMutual services, it’s essential to know that this platform is safe to use and highly secured. All of your info is absolutely secured. The platform uses AES-256 bit encryption and also TrustedSite, which regularly scans the site to prevent security risks.

If you have a question referring to the MoneyMutual services, it probably has already been answered in the “how it works” or “frequently asked questions” sections. But, if you still can’t find what you’re looking for, you can easily reach out to MoneyMutual by writing them an email or calling them.


  • Secured platform

  • Free services

  • Very easy to use

  • Quick services

  • Fast loan receiving


=> Click here to visit the official website of MoneyMutual

#3. RadCred – Renowned Payday Loans Online For Fast Cash Approval Online

RadCred is the last platform on this list, but that doesn’t make it anything less reliable than the others. This platform offers quick payday loans between $1,000 and $35,000, providing the highest loan amount out of all the platforms we’ve reviewed. They have plenty of lenders, so the chances of getting the funds you need are very high. The same as the other platforms, RadCred will simply find the most appropriate lender for you and connect you both.


The requirements that RadCred has set are pretty similar to the other platforms on this list. So, you can apply for a payday loan if you’re:

As the other online lending platforms require, you’ll also need to provide accurate information about yourself and your employment and banking status. If a lender chooses to work with you, you’ll be redirected to its website. There, you’ll be able to read all of the details and fees regarding the offered loan. If you accept the terms, expect to get the money in a short-time period in your bank account. Also, it must be mentioned that if you see that you can’t make your payment on time, you should contact your lender, and you might get an extension date.

Although it rarely occurs, it can still happen that there’s no suitable lender for you at the moment. In that case, the RadCred team will try to connect you with third-party lenders by giving them only your contact info so that they can reach out to you.

RadCred acts as a mediator so that they won’t charge you anything for your application process. But the lender will, that’s you must carefully read the terms and the fees in the offer before accepting it. Usually, the APRs that the lender will state go between 5.99% and 35.99%, but if the APR is too high for you, you don’t have to accept the offer.

The latest high levels of security and the newest data encryption technology that RadCred uses guarantees the protection of your personal info. Their security system consists of secured files and computer safeguards, so you have nothing to worry about regarding your privacy.

For any question or comment you might have, and even for wanting to leave your feedback about this platform’s services, you can send an email to the customer support that RadCred provides. You can also call them and directly speak with a customer representative from Monday to Friday, from 6 AM to 7 PM. They even have an online contact form, but before choosing any of these contact methods, make sure that you check the FAQ section, which might have your question already answered.



=> Click here to visit the official website of RadCred

#4. Bad Credit Loans – Trusted Loan Company For Bad Credit Cash Loans

Bad Credit Loans is another excellent online lending platform with an extended lender network. The individuals behind it know how hard it is for people facing a financial emergency to get a quick loan, and that’s why they’ve made this platform. Even if your credit score is low, using the Bad Credit Loans services, you can find a lender willing to work with you and give you the needed loan. The platform offers fast services and a chance to get anything between $500 and $10,000.

The website is rich in blog articles accessible to anyone who wants to learn more about online personal loans and the possible scams, which can be very useful for you in the future, so let’s take a deeper look into all that makes this platform one of the best.


The eligibility requirements that Bad Credit Loans asks for in order for an applicant to be able to qualify for a cash loan are the following:

  • To be 18 years old or more

  • To be a legal resident of the USA or have a Social Security number

  • To have a regular income

  • To have its personal checking account

  • To have a valid email address and a telephone number

  • Application process

Firstly, you must complete the online form, which you’ll immediately notice when opening its website. You’ll need to provide info like how much money you want to borrow, contact details, employment, banking, and credit info. Secondly, a lender will review your request, and if it fits him, you two will be connected in a couple of minutes.

The lender then will send you his offer, and if the offer suits you, accept it, and you’re done. If you don’t think that the received offer is good enough for you, simply decline it and start the process from the beginning.

What makes this platform even better is that if you can’t find a suitable lender, Bad Credit Loans will send you ads for other direct lenders and services. They won’t see the sensitive information from your loan request, and they’ll only have access to your contact info.

Bad Credit Loans is a highly transparent platform that doesn’t charge you any fees for using its services. The APRs for your instant payday loan usually range anywhere between 5.99% and 35.99%, but they might vary based on your info. You can talk about them directly with your lender, as that’s outside of Bad Credit Loans’ control.

The security and the privacy that Bad Credit Loans provides are outstanding. That’s because they’re using computer safeguards and secured files and buildings. This up-to-date technology will keep all of your info safe and secured, so you have absolutely nothing to worry about when using their services.

For any question that addresses your loan, you can speak with your lender, but for anything else, the people from Bad Credit Loans are always there for you. They have many ways you can use to reach out to them. You can call them, send them an email, or even better, you can write to them using their online contact form from the website.



=> Click here to visit the official website of BadCreditLoans

#5. Funds Joy – Recommended For Personal Loans & Emergency Loans For Bad Credit

The minimal requirements and the expertise that Funds Joy offers make this platform widely used by people who need quick funds. Applying for an online payday loan via Funds Joy doesn’t affect your credit score. Also, you can use their services regardless of your credit score, and you won’t be unpleasantly surprised by any hidden fees. This platform offers loans from $200 up to $5,000, so you can easily apply for the amount of money you need.


The small number of requirements that this platform asks for you to meet is another plus, and a reason why so many people are using its services. So their conditions are the following:

The online form on Funds Joy will take you up to 10 minutes to fulfill, so just get your laptop and complete it while drinking your coffee. Click on the”get started” button and enter your personal info. After that, Funds Joy will show you the most suitable offers for you based on your provided info. You can look through the offers, their APRs, and fees and choose the one that you think fits you the most. The next step you need to take is to choose the most suitable offer, e-sign the offer, and expect the funds in the next 24 hours. It’s a very positive thing that you’ll get quickly connected with the most suitable lender for you, but you don’t have to accept the received offer if you don’t think that’s fitting for you. And that’s the whole process. Pretty easy, right?

Funds Joy doesn’t apply any fees for using its services, but everything is decided between you and your lender. So, regarding the APRs and all of the other fees and conditions, you’ll need to talk with your lender.

Funds Joy uses your provided info to find and connect you with the best lender. And everything you enter on this platform is secured. Funds Joy operates with an advanced security system that prevents unauthorized access to it. They use 256-bit SSL, so you can relax knowing that your info is protected.

Funds Joy is always there when their customers need help regarding their services. That’s why they’ve made contacting them so easy. On their website, you can find a contact form, in which, by entering your name, email, and the things that concern you, you’ll get in touch with them. They’re quick to reply and provide you with the needed help. You can also use the contact form to leave your feedback.



=> Click here to visit the official website of FundsJoy

How We Made This List Of Payday Loans For Bad Credit:

We were looking for an online lending platform to provide the highest levels of security and very fast services, ask only for the basic requirements, and have quick and educated customer support. Each of the platforms chosen in this article has all of these things, and that’s what makes them better than the others.

Platform’s security

When we’re talking about online services, security is one of the most important things that a site can offer. For this reason, we checked the privacy policies of many different websites that offer payday loans, and we picked only the most secured ones. The online payday loans platforms we’ve picked out are using the newest, up-to-date security measures, such as the latest encryption technology and computer safeguards. So, because you’ll be entering your personal info and also your banking info, the high levels of security must be top-notch.

Fast services

We selected the online lending platforms which will provide you with very fast services. Getting approved for a loan, finding a suitable lender, and getting the money might seem like a lot of time-consuming, but really it isn’t. The approval of your application form will be very fast and getting the loan even faster. Once you find the best lender and the best offer for you and you accept its terms and fees, you’ll get your money in the next 24 hours or the next business day, so everything moves pretty quickly.

The requirements

We’ve chosen the platforms with the smallest and the most basic number of requirements so that more people can use them. As you’ll see in the continuation, each platform has set similar requirements. You must be of a certain age, have a steady income, and your location also matters. Having a valid mobile phone number and an email address is also a requirement, but not every platform asks for it. You must always carefully read them because if you don’t meet them, you won’t be able to qualify for a loan.

Platforms customer support

It’s always a great thing to have a reliable customer support representative who can help you and give you answers. So we paid attention to the platforms we chose to offer this. We wanted to make you feel safe and to have someone to turn to if you have difficulties fulfilling your application form or if you have any kind of questions regarding the online payday loan process or their services.

How To Choose The Most Trusted Direct Payday Loan Lenders: Factors to consider when choosing online payday loans platforms:

By paying attention to the following factors, you’ll always be able to select the most reliable and transparent payday loan services that an online loan platform offers. They’ll help you avoid being scammed and get the best online funding services.

When searching for the most reliable online lending platform, always check its reliability and reputation. Online scams are very common on the Internet. That’s why you must be careful which platform services you’ll be choosing.

Remember that you’ll need to share a lot of your private info, so make sure that you do that only on a trustworthy platform. You can check the platform’s reputation by reading the customer’s reviews and their experiences with the services from the platform. Another way is checking the rating and the feedback the company is getting.

When you get connected with the most suitable lender for you, that’s the moment when you should pay attention to the APRs and the fees. The APR range depends on your credit score, but the good thing is that you can discuss this with your lender. Usually, online lending platforms like those we mentioned don’t have to do anything with this. They don’t have any hidden fees, and they don’t charge for the use of their services.

The purpose of the existence of these online platforms is their ability to provide you with the needed money in the quickest, most effortless way. As you’ve seen in this article, all of the mentioned platforms are very fast when it comes to this. They’re quick to connect you with the most suitable lender, and you’ll receive the funds you need even quicker. So, always check the time a platform needs to do these things because you don’t want to waste precious time waiting days for the money you urgently need.

Even though you’ll get connected with the most suitable lender, it still might not be the ideal one for you. It may happen that the lender offers you a different amount of money than what you’re looking for. Or maybe the fees they’ll be asking for will be too high. So pay attention, be careful, and read absolutely everything. You don’t ever have to accept the received offer if it’s not an adequate one.

Things to do to increase the possibility of getting an online payday loan:

Ready documentation

Considering that there’s a high chance that the lenders who choose to work with you might contact you and ask you for additional info, it’s always good to have all the necessary documentation ready. That includes your credit and banking info, proof of your regular income, some additional info about yourself, etc. You don’t want to leave the impression of an unorganized person, leaving the lender to wait while you’re searching for your documents. You must have everything ready and close to you, so you’ll be able to show that you’re reliable and serious.

Don’t ask for more than what you need

Another important thing is to not apply for a larger amount than what you really need. This can be very tricky and make things more difficult for you, resulting in not being able to repay your loan on time. So don’t be greedy. Apply exactly for the amount you need, and use it for whatever you need it.

Get a cosigner

If you’re not 100% sure that you can repay the loan on your own, consider getting a cosigner. What this means is to find a person with a good credit score who’ll be responsible for the repayment if you’re not able to. But, for getting an online payday loan, you probably won’t need a cosigner because this is a short-term loan with not-so-high monthly payments, and you’ll probably be able to repay it quickly.

Don’t apply everywhere

Choose one online lending platform and apply only on that one and nowhere else. You might be thinking that by applying everywhere, the chances of getting a payday loan are higher, but you couldn’t be further from the truth. The lenders will probably notice this action of yours, and that’ll make it very difficult to get approved for a loan anywhere.

Advantages you’ll get from using the online loans platforms:

Choosing if the lender is the right one for you

When you use the online bad credit loan lending platform’s services, you have the freedom to accept or reject the offer you’ll receive. You’re not obligated to accept anything that you think doesn’t suit you right. You can always start the whole process from the beginning or even try the services that another platform offers in order to find just the right thing for you.

No paperwork and wasting your time

The best advantage that platforms like this will deliver is the lack of paperwork. You probably have faced the boring paperwork the banks require you to fulfill and how time-consuming that can be. But, when you decide to use the services from an online lending platform, you don’t have to go anywhere, and there’s no need to waste your time. You can apply for a loan in a few minutes, from your laptop or mobile device, without leaving the comfort of your home.

Fast approval and funding

The online lending platforms are very fast-acting and provide a lot quicker services compared to the banks. So expect to get the needed money in the next 24 hours since you’ve accepted the lenders’ offer or the next business day. It can’t be faster than this, and that’s why people love to use their services.

FAQs Regarding Online Payday Loan Alternatives: What are the credit score ranges?

Your credit score can be:

  • Poor: 300-580

  • Fair: 580-670

  • Good: 670-740

  • Very good: 740-800

  • Excellent: 800-850

It’s understandable that the better your credit score, the higher your chances to get approved for a loan, and the opposite, the lower your credit score is, the more complicated for you will be to get a loan, especially when you’re thinking of applying for a loan through a bank. But thanks to the online lending services in this article, you can get your payday loan no matter your credit score.

Who can and can’t use the online platform’s services?

You can easily apply for an online payday loan in the following cases:

  • Every time you need fast money because the best things about these platforms are their quick approval of your application and the fast connection with a suitable lender, so you’ll get what you need very quickly.

  • If you have a bad and low credit score and can’t get a loan from a bank, turning to online lending services is the best move you can make.

You can’t use these platforms’ services in the following cases:

  • If you don’t have a job because you must be employed or have some kind of steady income, which means that you’ll be able to repay the loan.

  • If you don’t have a banking account, you can’t fulfill the application without it.

  • If you’re a minor and you aren’t 18 years old.

Can I apply for an online payday loan if I have a bad credit score?

Yes, you absolutely can. That’s one of the main purposes of these online lending platforms. To quickly help people in immediate need of some cash and help those with low credit scores. It’s well known that it’s almost impossible to get approved for a loan from the bank if your credit score isn’t perfect, so the best way to get it is using the online lending platforms services.

Concluding – Instant Payday Loans Approval In 2022:

We can end this article by advising you not to waste your time and nerves going to the banks, waiting and praying that you get approved for a personal loan when you have a higher chance to get it by using this platform’s services. They can be life-savers in your time of need, so just take a look through the above-cited platforms, choose the one you think provides everything you need, and quickly apply.

It’s easy to get an online payday loan, and it’s also going to be easy to repay it faster because it’s small, and your monthly loan payments are going to be lower. Now, you have all the right tools and knowledge, so use it and free yourself from your financial problems quickly and easily.

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Riya Tyagi

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