Man applying for a same-day payday loan online

How to Get a Same-Day Online Payday Loan

Advance America offers same-day payday loans for quick access to extra money before your next paycheck. These short-term loans are usually paid back within two or four weeks—aligned with our pay dates. Most importantly, payday loans put money in your pocket now to help with daily finances or emergency expenses.

How to get a Payday Loan

How Can I Get a Same-Day Payday Loan?

Get same-day funding with payday loans by following these steps.

1. Apply Online Before 10:30 AM EST or In-Store

Apply for your payday loan online or at your nearest Advance America store, using our location finder. Submit your online application before 10:30 AM EST to get same-day funding. When applying in-store, you can walk out with cash in hand or in some states have money deposited instantly to your debit card.*

2. Grab the Right Documents

If you’re applying for a same-day payday loan at your nearest Advance America location, have these documents ready:

  • Government-issued photo ID
  • Proof of active checking account
  • Most recent proof of income
  • Verification of social security number
  • Check

If you’re applying online for a same-day payday loan, have this information ready:

  • Valid social security number
  • Valid and active email address
  • Active checking account
  • Source of income

Keep in mind that some requirements vary by state. Enter your zip code to learn more about what you need for a payday loan in your area.

3. Complete Our Easy Payday Loan Application

Advance America’s payday loan application can take minutes to complete and submit. Our friendly, knowledgeable staff are also here to help you through the application process so you can get your fast, same-day payday loan.

4. Instant Decision and Fast Funding

The payday loan approval process is quick, allowing you to usually earn approval and money within 15 minutes. If you apply and are approved online, your payday loan will be deposited directly into your banking account. If you apply and are approved in-store, you can receive your money in person as cash or a check.

5. Plan Your Repayment

Once you receive your same-day payday loan, it’s important to have a repayment strategy in place to help you repay your loan on time and avoid additional service fees or penalties.

Payday loans are typically paid back in two or four weeks, upon receival of your next paycheck. Budget your money so that, once your paycheck arrives, you’ll have the funds to repay your loan and cover any other bills for the month.

* Eligibility and processing times may vary based on debit card type.

The above information is provided for informational use only. Advance America is not responsible for any loss or damage resulting from your reliance on the material provided. This information is accurate as of the time it is posted, but it may not be updated regularly, so it may not be current information depending on when you read it. You should consult with your own financial professional when making financial decisions.

Benefits of Same-Day Payday Loans

There are a number of advantages same-day online payday loans offer, such as:

Easy Application Process

Most lenders who offer same-day payday loans allow you to apply online from home. The application process is usually easy and only takes a few minutes. All you have to do is provide some basic personal and financial information about yourself.

Fast Funding

You won’t have to wait long to receive the funds from a same-day online payday loan. If you apply and get approved, the lender may deposit the money into your account within a few hours.

Lenient Requirements

Even if you have bad credit, you may get approved for a same-day payday loan. Most lenders won’t even check your credit. They have flexible requirements and will likely approve you regardless of your financial situation.

No Collateral Needed

A same-day payday loan is an unsecured loan, meaning you don’t have to secure it with collateral such as your car, house, or another valuable asset. This is beneficial as secured loans come with the risk of the lender taking your collateral if you don’t repay them.

Alternatives to a Same-Day Payday Loan

If you don’t want to move forward with a same-day payday loan, consider these alternative options.

Credit Card

With a credit card, you can spend money up to your credit limit. Your credit and a few other factors will determine your limit. Unless you pay your credit card balance in full every month, you’ll be on the hook for interest charges.

Title Loan

If you own your car free and clear, a title loan may make sense. You give a lender your car title in exchange for a loan. Your car value will determine the value of your loan and you’ll be able to drive your vehicle as you repay it.

Sell Items

If you have clothing, electronics, or other items you don’t need or want, try selling them online using sites like Facebook Marketplace and Craigslist. Keep in mind that it may take some time to find a buyer and collect your money.

Pawn Shop Loans

If you own a gold necklace, designer handbag, power tool, or another item of value, you could consider getting a pawn shop loan. You can visit a pawn shop and get a cash loan based on the resale value of your item. The pawn shop will then keep your item until you pay off your loan.

Advance America Offers Convenient Same-Day Online and In-Store Loans

Advance America offers safe and convenient same-day online and in-store loans. If you can’t wait days or weeks for money, consider a payday loan, installment, title loan, or line of credit from us.

You can get approved without perfect credit and receive your funds within hours of approval. We make it easy and convenient for you to take care of any financial roadblocks that come your way.