Instant Payday Loans

“Payday is still a week away, but I need money now!”

Sound familiar? If so, you’re not alone. When you’re facing an emergency or an unexpected bill, you can’t wait another day, let alone until payday!

Instant Payday Loans, or instant Cash Advances, are short-term loans designed to hold you over until you get paid. Instant Payday Loan availability varies by state, but if they’re available in your area, you may benefit from a quick payday advance.

Read on to learn everything you need to know about instant Payday Loans and how to apply for one.

What are instant Payday Loans?

There are many instances where you might need money fast. Maybe you’ve experienced a medical emergency and have a hefty medical bill. Or a surprise car repair leaves you with little money for groceries until payday. No matter the reason, Advance America can help with an instant Payday Loan.

Since instant Payday Loans are short-term loans intended to bridge the gap between paydays, you can often receive money as soon as the same day you apply.* Simply follow our quick and easy application process, get the money you need, and repay the instant Payday Loan on your next payday.

Are there fees with an instant Payday Loan?

The fees for an instant Payday Loan varies by state. Generally, you can expect to pay about $15 per $100 borrowed.

The cost of a fast Payday Loan is often lower than late or overdraft fees you might incur from missed payments or overdrafts. An instant Payday Loan can also prevent essential services like electricity from being cut off, saving you costly reconnect fees.

What you need to apply

Different lenders have their own application requirements, but typically, you’ll need the following to apply for one:

  • Government-issued ID (such as a driver’s license or passport)
  • Social Security number
  • Proof of income
  • Active checking account
  • Valid and active email address (if you apply online)

How to apply

Here’s how you can apply for an instant Payday Loan to get the money you need fast:

1. Gather all necessary documents

Review the lender’s application requirements and gather everything you need to apply for an instant Payday Loan. Necessary documents may include a government-issued ID, bank account number, and recent pay stubs.

2. Complete the instant Payday Loan application

Fill out your application for an instant Payday Loan online or in person. Be sure to provide all personal and financial details the application asks for. Double-check all the information you filled out to make sure everything is correct before submitting the application.

3. Submit your instant Payday Loan application

Submit your application for an instant Payday Loan and wait for approval. Many lenders offer an instant or quick approval decision, so you may find out immediately whether you’re approved for an instant Payday Loan.

4. Receive your funds

If you’re approved for an instant Payday Loan, the lender will give you your funds the same day you apply or within 24 hours. You can start covering expenses right away.

Why get an Advance America instant Payday Loan?

There are several reasons to choose Advance America for your instant Payday Loan. At Advance America, you can enjoy:

An easy application

Why drive to a bank when you can apply for an instant Payday Loan from your home? Simply fill out our short application form online. If you’ve gathered all the right documents beforehand, you can complete the instant Payday Loan application in minutes!

Prefer to speak with us in person? You can also apply at one of our convenient locations.

No-collateral loan options

With an instant Payday Loan from Advance America, you never have to put your car, house, or other valuable asset on the line.

Same-day funding

If you apply online and get approved for an instant Payday Loan anytime between Monday through Friday before 10:30 am EST, you’ll receive your money that same day by 5:00 pm.

But don’t worry if you get approved after 10:30 am! Your instant Payday Loan funds will be deposited in your account on the morning of the next business day.

Judgment-free credit checks

Did you know you could get approved for an instant Payday Loan even if you don’t have great credit? At Advance America, we look beyond your credit score and consider other factors like your employment status and income. So, bad credit doesn’t have to keep you from getting the money you need.


4 benefits of an instant payday loan


Can I get one online?

Yes! You can easily get same-day Payday Loans online. Many instant Payday Loan lenders operate online, so you can apply, get approved, and receive the funds you need without leaving home!

Are instant Payday Loans safe?

Quick Payday Loans are safe if you work with a legitimate and reputable lender. Reputable lenders will be upfront about their terms and conditions, including the loan’s interest rate or fees, repayment schedule, and any penalties you might incur for late payments.

When looking for payday lenders online, check their online reviews. A lender with a strong Trustpilot rating and positive customer reviews is likely safe to work with.

Instant Payday Loan options

Depending on the lender, you can get an instant Payday Loan by applying in-store or online. If applying in-store, you’ll receive money on the spot. If applying online, expect to have your money deposited into your bank account as soon as the same day.*

Ready to get the best instant Payday Loan from Advance America? Here are your options:

Apply In-Store

Visit your nearest Advance America store. One of our friendly and knowledgeable staff members will help you choose an instant Payday Loan that fits your needs. The process takes just a few minutes, from application to approval decision. Best of all, you’ll leave the store with your approved loan money!

Apply Online

Our online application for an instant Payday Loan only requires a few simple steps to complete. Select a loan option, provide your personal contact information, and enter your employment and banking details. When you’re finished, just sign and submit!

Is an instant Payday Loan right for me?

There are many loan options to choose from, so how do you know if an instant Payday Loan is the right one for you? Payday Loans can be good options when you:

  • Have an expense that needs to be paid quickly.
  • Need to borrow up to a couple hundred dollars.
  • Can pay the loan back in one payment.
  • Don’t have good credit.

If these apply to your situation, you may need a small-dollar loan with lenient credit requirements that you can apply for and receive quickly. An instant Payday Loan checks all those boxes!

Get an Advance America instant Payday Loan

When you’re facing an emergency expense and the clock is ticking, an instant Payday Loan from Advance America can help you get back on track. We don’t require you to have good credit because we also consider your employment and income. Our loan application is quick, and you could know immediately if you’ve been approved.

Visit Advance America and get your loan application started today.

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

About the Author

Bree Ewers has contributed to Advance America since 2023. Writing from her home office in Portland, Oregon, she shares a relatable perspective on the financial triumphs and challenges many readers face.

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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