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

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

Using the cash loan application form on Payday Champion 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 in a few minutes. Payday loans 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  loan application payment has a better chance of being approved

1. Personal information

2. Employment Information

3. Financial Information


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We have 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 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 online loan Processed?

When you apply for a 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?

You can request any loan amount you like between $100 and $1000.

You should only request an amount you think you will be able to payday back on your next payday. 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 online payday 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 loan processed?

Because everything is automated and a wealth of information is already stored online, 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. You should always allow a couple days leeway.

What do I need to be eligible?

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?

  • Loans that are submitted by noon during weekdays can have same day funds deposited by the end of the business day.
  • Loans submitted after noon during weekdays can expect funds to be deposited the following business day.
  •  Loans submitted during the weekend can expect funds to be deposited the following Monday.
  •  Loans 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

Is PaydayChampion a direct payday lender?

We are an aggregator of cash advances.  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.

The interest rates are lower than payday loans. We are an broker for these loans too. If in California the lenders are licenced by Department of Business Oversight pursuant to the CA.

Do the lenders deposit cash directly into my bank account?

Yes, to qualify for a payday loan you need you add your bank details. The lenders will deposit your cash into your bank account with no intermediaries.

Are the any restriction on what I can use theloan for?

You can use the payday 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 online payday 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?

You will not go to jail if you fail to pay you loan. 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?

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. You may wind up in court with a judgement on 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 online 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 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 a bank account?

Previously you could only get a loan with a checking account. This was the easiest way to send and receive funds. You still need a savings account in order to get a loan. 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?

If you are looking in google for payday loans near me? You do not need to look anymore. 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. Now that really is a loan near me.

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

Instead of going to a payday loan 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.

You can call our customer service anytime if you would like a loan by phone.

Look at your local laws to see what is available as laws vary per state. An example is California deferred deposit transaction law regulated by the department of business oversight.

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

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