How to Get a Same-Day Online Payday Loan

Advance America offers same-day Payday Loans to give you quick access to extra money before your next paycheck. These short-term loans are usually paid back within two to four weeks to align with your next payday. Most importantly, Payday Loans put money in your pocket now to help with daily finances or emergency expenses.

How can I get a same-day Payday Loan?

You can get same-day funding with a Payday Loan by following these steps.

1. Apply online or in-store before 10:30 AM EST

Find an Advance America branch near you if you prefer to apply in-store. When applying in person, you may be able to walk out with cash in hand or opt to have the money deposited directly to your checking account.

Or, for fast and easy funding, you can apply for a Payday Loan online. Same-day funding is available when you submit your online application early and receive your approval decision before 10:30 AM EST.*

2. Grab the required documents

If you’re applying for a same-day Payday Loan in person, make sure you have these documents ready:

  • Your government-issued photo ID
  • Proof of an active checking account
  • Recent proof of income
  • Your Social Security number
  • A voided check (only in some states)

If you’re applying online, you will need:

  • Your Social Security number
  • A valid and active email address
  • An active checking account
  • Proof of income

Keep in mind that some requirements vary from state to state. Enter your location when exploring our website 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 takes just minutes to complete and submit. If you have questions, our friendly, knowledgeable staff are here to help you through the application process.

4. Instant decision and fast funding

Our approval process is fast and easy when you apply for Payday Loans online. Same-day funding is available in as little as 15 minutes, and your money will get deposited directly into your checking or savings account. If you apply and are approved in-store, you can receive your money via cash or direct deposit.

5. Plan your repayment

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

Payday Loans typically get repaid in two to four weeks upon receipt of your next paycheck. It's important to budget your money so that, once your paycheck arrives, you’ll have the funds to repay your loan and cover any other monthly expenses.

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

Benefits of same-day Payday Loans

There are numerous advantages that same-day online Payday Loans offer, including the following:

Easy loan application process

The most significant advantage of same-day Payday Loans is that you can apply for them online. Whether you're sitting in your recliner drinking coffee or grabbing some lunch at a local cafe, the application process can be completed in minutes.

Fast funding

In addition to being easy to apply for, fast funding is another alluring advantage of applying for Payday Loans online. Same-day funding is available when you apply for the loan before 10:30 AM EST. Otherwise, your money will be deposited into your bank account on the next business day.

Perfect for small emergencies

Because of how easy Payday Loans are to apply for and how quickly you receive your funds, they're perfect for bailing you out when you have an emergency. While Payday Loans typically aren't large enough to pay an entire hospital bill or home repair, they may be enough to cover the deductible or down payment.

Lenient credit requirements

Another advantage of applying for Payday Loans over other loans is that your credit may not matter. Whether you have bad credit, no credit, or excellent credit, you can apply and get approved for Payday Loans online. Same-day Payday Loans from Advance America have lenient requirements and a straightforward approval process.

Easy to repay

When you receive a large loan worth thousands of dollars, coming up with a repayment plan can feel overwhelming. Because Payday Loans are usually only for a few hundred dollars, they’re often easier to repay.

No impact on your credit score

If you're afraid you will hurt your credit score because you need to apply for a Payday Loan, there's no need to worry. Payday Loans typically don't require a credit check during the application process, so your lender won't report the loan to credit bureaus.

No collateral needed

A same-day Payday Loan is an unsecured loan, which means 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 what you owe.

Alternatives to a same-day Payday Loan

If you don’t want to move forward with a same-day Payday Loan, consider these alternatives:

Credit cards

Credit cards are easy to apply for, and some high-interest, low-balance cards even have lenient requirements.

With a credit card, your credit limit is determined by your credit score and a few other factors. Unless you pay your credit card balance in full every month, however, you’ll be on the hook for interest charges, which can add up in a hurry.

Installment Loans

If you need an emergency loan fast, an Installment Loan can be a good option. Whether you need to pay for home or auto repairs, have an unexpected medical bill, or need to pay for funeral expenses, Installment Loans can provide you with larger loan amounts to cover those costs.

Title loans

A title loan is a secured loan that requires you to give the lender your car title in exchange for the funds. You can only apply for a title loan if you own your car free and clear and are not leasing it or making payments. Your car's value will determine the loan amount, and you can continue driving your vehicle as you repay the loan.

Pawn shop loans

If you own a gold necklace, designer handbag, power tool, or another valuable item, you might consider a pawn shop loan. Simply visit a pawn shop and get a cash loan based on the resale value of the item in question. The pawn shop will then keep your item as collateral until you pay off the loan.

Selling valuable items

Finally, if you want to avoid taking out a loan of any type, you also have the option of selling your belongings for money. You can sell anything from clothing to electronics to tools and collectibles online using sites like Facebook Marketplace and Craigslist. Keep in mind, however, that it may take some time to find a buyer and collect your money, so this isn't a great option if you need cash now.

Apply online or in-store for a same-day loan

Advance America offers a wide range of safe and convenient same-day loans, including same-day Payday Loans. Whether you apply online or at your local Advance America branch, we make it easy for you to take care of any financial roadblocks that come your way. Apply now!

About the Author

Jalin Coblentz has contributed to Advance America since 2023. His experiences as a parent, full-time traveler, and skilled tradesman give him fresh insight into every personal finance topic he explores.

The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
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