Payday Loans Online | Fast Cash For Emergencies

Stop waiting around for a lender who may or may not lend to you. PaydayChampion’s direct lenders are waiting to get you funded being funded. Request a payday loan now to attend to your short term financial needs.

What Are Online Payday Loans?

Payday loans are short terms loans that are deposited quickly in your account for emergency needs. The amounts depend on the state in which you live in. The repayment term is usually your following payday or the next time you get cash.

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. This could vary by state or lender

What are the features of payday loans online?

  • Online Payday loans are unsecured loans
  • Based on your ability to pay back
  • No credit hard check is required
  • Fast deposits can help borrowers in need

How much money can I get?

Borrowers can apply for between $100 and $1000. It is advisable to borrow only what you need. 

What is the payday loan procedure?

When you apply for a payday loan online the direct payday lenders will get your details and then either accept or reject your loan application.

Only the successful lender will review your information information. The application process is very fast and if you are eligible you will get an instant answer.

What are the steps to getting money?

  • 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 payday loan.

Can I get my payday loan online the same day?

It is possibly money is deposited the same if you apply by noon. The following business day if applied for after midday. If you apply on a weekend the cash deposit date should be Monday. Borrowers should allow a couple days for a deposit.

What are the cut off times?

  • Payday Loans 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.
  • Payday 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%.

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. Payday advances are in advantageous as they may not receive checks on your credit score. If you require a long term financial solution look at our installment 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 payday loan.

You can call customer services by the number on this page. Rates and terms are available by phone.  More on lenders here.

The interest rates are lower than payday loans. We are an broker for these loans too.

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

There are no restriction. You may use the money for anything you like. It is advised though that you should only use the cash in an emergency like a medical expense or car repair. A payday loan is not mean for a night out of for general consumption.

Can I have more than one payday loan at any time?

This depends on where you like and who is lending you the money.  We advise only taking out one loan at a time.  If you need a second loan first check with your lender. Secondly check that you will have sufficient funds to repay at the due date.


PaydayChampion does not ‘rollover’ payday loans. Under California deferred deposit transaction law, PaydayChampion may offer a payday loan provided no other payday loan is outstanding with our company.  PaydayChampion’s lenders made under the authority of its CFL license are made pursuant to the California Financing Law. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. If in California the lenders are licenced by Department of Business Oversight pursuant to the CA.