Payday Loans Online | Apply For $100 to $1000 | Available Fast

Do you need a payday loan online ? Do you have bad or poor credit? Get assistance with short term loans between $100-$1000

Using the cash loan application form and you can get approved for fast cash as soon as the same business day.

The loan application process is quick and easy and can be completed online in a few minutes. A cash advance can be used by anyone, even if you have a bad credit score

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Please fill in all the sections with the correct information so that your application payment has a better chance of being approved

1. Personal information

2. Employment Information

3. Financial Information


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Who can get a loan?

Paydaychampion has short term cash advances that are suitable for people with bad credit. Submit your details into our form and your request will be send to legitimate lenders.

The third party lenders will do a quick check on you and if approved you can get your money fast. In general requests are processed the same day or following business day.

Fast Online Application

  • Apply for money in 5 minutes
  • Instant Loan decision
  • Receive a quick decision
  • Quick Funding
  • Apply early and get a cash payment as soon as the same day


How is my loan Processed?

When you apply for an online payday loan the direct payday lenders will get your details and then either accept or reject your application. Only successful lenders get to review all your information to  everyone else the information is encrypted. This process is very fast and if you are eligible you will get an instant answer.

How much money can I get?

A borrower can request any amounts between $100 and $1000. With us the application is all done online.

You should only request an amount you think you will be able to repay back on your next salary date. The interest rate is quite high compared to a bank loan but if repaid quickly the amount is very reasonable over the short term.

Do your loans have credit checks?

The borrowing of any cash requires a soft credit check. This information is looking at basic details like your address, income and previous defaults.

A bank performs a hard credit check which if executed too often can affect your credit score.Cash advances have a distinct advantage when it comes to protecting your credit score.

How quickly is my online loan processed?

Because everything is automated and a wealth of information is already stored in databases, the lenders can decide almost instantly if your request will be accepted.

The request is the first step. The second step is the payment processing. The speed depends on the lenders back office, staff efficiency and your nominated bank for your loan.

Cash can be deposited the same if you apply by noon. It could be the following business day if applied for after midday. If you apply on a weekend the cash deposit date should be Monday. Customers should always allow two days margin to not be disappointed.

What do I need to be eligible for a payday loan?

You should have an email address, a job paying over $1200 a month, a bank account and to have lived at your current address for at least 3 months.

What happens if I cannot pay back my loan?

You should contact your lender immediately and ask what the rollover fees are. The lender can work with you to make a new payment plan.

This is a perfectly normal occurrence for borrowers to extend their cash advances. If you are in trouble please try our consolidation loans that can drastically reduce your borrowing costs.

What are the cut off times for same day cash?

  • Applications that are submitted by noon during weekdays can have same day funds deposited by the end of the business day.
  • Applications submitted after noon during weekdays can expect funds to be deposited the following business day.
  • Applications submitted during the weekend can expect funds to be deposited the following Monday.
  • Applications submitted during bank holidays can expect cash to be deposited the next working day.

Please note that this is a guideline and is in no way accurate 100%.

Payday Loans

Are you a direct lender?

Our company is an aggregator.  This means we are link between you and the direct lenders. We all work together to find you a suitable online payday loan.

Do you do long term loans?

We also have longer term installment loans with monthly payments terms.These monthly repayments are meant for higher ticket items that you need and are a better long term financial solution. Cash advances are for short-term financial need only.

Do the lenders deposit cash directly into my bank account?

To qualify for a loan customers need to add their bank details. The lenders will deposit your cash into your bank account with no intermediaries.

Are the any restriction on what I can use the online loan for?

You can use the advance for anything you like but please be aware the interest rate clock is ticking. This means you should only use the cash in an emergency like a medical expense or car repair. An loan is not mean for a night out of for general consumption.

Can I get a loan from two different places?

Yes you may take multiple loans from multiple lenders and providing you have a history of repaying then there will not be any issues. It is not advisable to take out multiple loans unless you really have to. Short-term advances are only meant for short term financial expenses.

Can I go to jail for not repaying?

Failing to pay your loan does not result in jail time. The US constitution protects citizens against jail for debts. Debt collection is not a criminal offense.

It is inadvisable to not repay your debts though as not repaying can end up with all sorts of civil actions, debt collectors and misery. You should always repay your debts if you are able to.

Do payday lenders take you to court?

Payday lenders do take borrowers to court but are reluctant to do so because of the cost involved. The decision will be on your outstanding balance, ability to repay. It is possible to end up in court with a judgement against you

Is not repaying a loan a felony?

The only chance of getting a felony charge is if you fraudulently obtained loans in a criminal manner. Not repaying is a civil matter and would be dealt with in this manner.

Are payday loans legit

All PaydayChampion’s lenders are legitimate lenders. Each state has it’s own criteria and licences for lending. Lenders who are in our network should have a licence.

Are payday loans online safe?

Rest assured that our encrypted loan software is safe. We protect your data from end to end. The only person who gets your data is the final lender. We know that these sensitive details such as your bank and SS  number are.

Payday loans without an online bank account?

Previously you could only get a loan with a checking account. This was the easiest way to send and receive funds. You need to consider than in this day and age no lender is going to give you cash unless they are a bank or pawnbroker.

Payday Loans Near Me?

Are you looking in google for payday loans near me?  We can assist with your cash needs when you need to apply for cash fast.The real time save is that you do not need to go out the front door to a store.

Our process and lenders are all done completely online. This makes it one of the fastest ways to request a  loan and get cash deposited.

Instead of going to a storefront location have a look at our rates and see if you can obtain a loan in your state. If you want to apply for a loan now we are ready with our 5 minute request process.

Customers can call our customer service line anytime if they would like a loan by phone.

If you are unable to obtain a loan in your state you can also request an alternative product. The products are installment loans or title loans. Installment loans allow borrowers to receive up to $5000.

More information about payday loans

  1. Our online loans subject to approval pursuant to standard underwriting criteria. Interest Rates and conditions may change from state to state and where you live. Borrowers are not guaranteed a loan will and may not get the loan amount they applied for. Terms and conditions are appended to each loan online that may vary. Online Advances are not  a long term solution and should be borrowed exceptionally for short-term financial needs Borrowers that have debt issues should apply for credit counseling from a registered organisation that can help.PaydayChampion Inc. is licensed by the Department of Business Oversight pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Loans in Minnesota distributed by PaydayChampion Inc in Texas arranged by PaydayChampion and made by  PaydayChampion are subject to the online approval of many third party lenders. PaydayChampion  Inc. is licensed by the Kansas State Corporation Commission, PL-115-2.
  2. Online Payday Loan funding needs verifying of loan request info. The information that is given allows the loans to be extended up to three days. All payday loan requests and the approval of which are pursuant to standard underwriting criteria. Storefront cash deposit and distribution is possible via third party lenders at locations and states where lending is legal. You can only receive cash in a state where you have applied and are resident. IN store pick up requires you to have identification card of that state in order to pick up funds.
  3. The approval of your application may require the access to third party credit databases such as  Experian, Equifax, and TransUnion Lexis Nexis Screening Solutions. Inc.  Contemporary Information Corp and  Early Warning Services

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