Payday Loans Near Me

Getting a payday loan can be a smart option if you are short of cash before payday arrvies. We always go all out to help you locate payday loans near you. All you need is enter your address, zip code and city below.

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  • Any Credit Score Considered
  • Swift Approval Decision
  • Safe & Secure
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Find Payday Loans Near Me

How Do Payday Loans Work?

For many startups and businesses, obtaining loans is one of the finest ways of raising capital. But applying for a bank loan can be quite tedious and may take so much time to process. For this reason, payday loans have become a viable option, especially in the short-term.

Payday loans are emergency funds lent out to individuals and businesses for their short-term needs and to be repaid by their next payday.

USInstallmentLoans connects prospective clients with one of the numerous lenders in its network. Our lenders can give you loan amounts up to $5,000 even with low credit scores and no collateral.

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Benefits Of Taking Out Payday Loans Near You

Need to get some cash in between paydays and need it quickly? A payday loan is your best bet. Here's why you should send a nearby lender a message now.

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    Applies to people with bad credit

    One of the big pluses of payday loans is that they can be obtained by people with bad credit. Your credit score may limit your chances of getting a bank loan. But not a payday loan. They rank your ability to repay the loan over what your credit score says.

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    Faster access to cash

    Unlike bank loan applications that take forever, payday loan lenders make decisions in as quickly as five to ten minutes. Your bank account can get funded as soon as the following business day too. Where else do you get time-efficiency and speed in one breath?

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    More convenience & flexibility

    Talk of convenience and flexibility. You can literally make a loan request from your tablet, phone or any internet-enabled device you have around. Payday loans help you stay on top of your finances even on the move. Emergency expenses are distressing enough; do not add the stress of queueing up to the mix.

The Easiest Way to Get Payday Loans Online

Okay. Made up your mind about obtaining a payday loan yet? Here's how to go about it

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    Submit information via a simple form

    You will be required to enter your personal information and all relevant information required of you in the simple form that pops up. Enter only the correct details to make the process as seamless as possible.

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    Quick decision

    Upon receiving the information via the form, we connect you with one of several lenders in our network. They assess your ability to repay and send you a quote if successful; all in as soon as five minutes.

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    Accept offer and get funded

    Upon approval of the loan, sign the quote to show your commitment to the terms and conditions of the lender and expect to get funded as soon as the next business day.

Why Should You Choose Our Services?

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    Network of Trusted Lenders

    We have a network of 100+ reliable, trusted and SEC-accredited payday loan lenders near you. Since they are accredited by the Securities Exchange Commission (SEC), their activities are regulated by the SEC. So, you can be sure, you will be treated fairly as is one of the objectives of the regulatory body.

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    Fast Funding

    Our partner lenders compress the waiting time to receive funds by knocking off the extensive paperwork and bureaucracies involved in the traditional loan system. Therefore, once you have been approved for a loan and have signed the quote, expect to get credited as quickly as the following business day.

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    Top-notch Security

    We employ industry-standard security measures to ensure all details and personal information submitted in the form remain private and confidential. Our platform has a SSL certificate and all information entered by the site is protected by a 256-bit encryption protocol.

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    Lenient Requirements

    We do not hold our customers to ransom or try to take advantage of their financial position or standing by placing conditions that are difficult to meet. Our lenders make requirements as basic as possible so loans are accessible to most people who need them. Bad credit? Never mind. You still have a fair chance of accessing a payday loan to stay afloat before your next paycheck.

How Much Can I Borrow?

With USInstallmentLoans, you can obtain loans up to $5, 000. However, the exact amount you can borrow isn't the same for everyone; that is, your credit limit isn't the same as another.

How much you can borrow is determined by the lender on assessment of the purpose of your loan, debt-to-income ratio (DTI), regularity of income, your ability to repay and the payday lending cap of the state.

Different states have different payday lending caps. For instance, you can only get up to $300 in payday loans in California compared to Delaware where you can get up to $1000.

What Are The Bright Sides & Dark Sides of Payday Loans?

A payday loan also known as a cash advance or deferred deposit transaction has a bad rap in some quarters', but should it? Not only is it your lifeline to taking care of unexpected time-dependent expenses, but a major loan option if you can't access a bank loan due to a poor credit score. By and large, here are some of the bright and dark sides of payday loans:


  • It's a quick source of funds in the case of a financial emergency.
  • They are quite easy to apply. In most cases, you should be done in as quickly as three simple steps.
  • They are mostly unsecured. Therefore, collateral isn't needed.
  • Minimal waiting time for approval or account funding.


As with everything, it also has its own fair share of cons. Here they are:

  • It can be quite expensive to repay because of the relatively high interest rates.
  • People with serious financial challenges may find it difficult to repay, especially within the repayment window. The penalties that follow defaulting may then throw them into a near-endless cycle of debts.
  • The borrower may risk extra costs like overcharges and overdrafts where the loan is connected to a bank credit card and they default on repayment of the loan.

What To Consider Before Getting Payday Loans Near me?

Choose Suitable Rates & Terms

As long as you don't sign in agreement to a lender's quote, there's no contractual agreement binding you two. You can obtain quotes from different lenders; compare and contrast their rates and terms to see which works best for you. Otherwise, work with a loan broker. This will save you the headache of reaching out to these lenders one after the other.

Cross-Check the Lender's Conditions

Go over the lender's conditions to see if they are conditions you can commit to. You don't want to be stuck in the mud trying to meet your financial obligations and struggling to repay your loans.


  • What credit score do I need for a payday loan?

    Your credit score doesn't matter when obtaining a payday loan. Perfect, not-so-perfect or poor, you can still get a loan to settle your debts or sort out your emergency.

  • Do my bad credit scores matter?

    No, they don't. Rather than pay attention to your credit score, lenders in our network look at your income equity, regularity of income and how much you take home monthly (salary) instead.

  • What are the requirements for payday loans?

    According to the Consumer Financial Protection Bureau (CFPB), you cannot obtain a payday loan unless you are at least 18 years old, can provide some proof of income, have a government-issued ID or valid identification and have an active checking account.

  • Do you run credit checks?

    Yes, we do. However, we understand how much damage a credit check can deal to your credit score. Therefore, our partner lenders run only soft credit checks that do not harm your credit score.

  • Why was I declined a payday loan?

    Your loan request may be bounced or unsuccessful if you don't have a regular or verifiable source of income, income is too low, recently borrowed a payday loan or have too many current debts.

Locate the Nearest Payday Lenders with Us Now!

Put a stop to an endless search for reliable payday lenders near you by choosing a loan broker like USInstallmentLoans today. We can also connect you with SEC-accredited payday lenders in minutes.

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