Payday loan apps are in form of short-term borrowing in which a lender extends credit at a high interest rate dependent on your income. The principal is usually a percentage of your next paycheck. Payday loan apps have high interest rates since they are used for short-term, emergency credit. They are also known as check advance loans or cash advance loans.
Payday loan apps do not require any collateral, making them a type of unsecured personal loan. These loans may be considered predatory lending, as they have extremely high interest, don’t consider a borrower’s ability to repay, and have hidden provisions that charge borrowers added fees. As a result, they can create a debt trap for consumers. If you’re considering a payday loan, then you may want to look first at safer personal loan alternatives.
Payday loan providers will normally require you to show proof of your income—usually your pay stubs from your employer. They will then lend you a portion of the money that you will be paid. You will have to pay the loan back within a short time, generally 30 days or less.
Payday lenders take on a lot of risk, because they don’t check your ability to pay back the loan. Because of this, they normally charge very high interest rates for payday loans, and they may also charge high fees if you miss your repayments.
Best Payday Loan Apps In The US 2025
- BadCreditLoans
- Sofi
- Cashback loans
- Cashmax
- CashUSA
- Payactiv
- Flex wage
- Loan solo
- Pockbox
- Cash app
- Cleo
- MoneyLion
- Fig loans
- Varo
- SeedFi
- Current
- Vola
- Zippy loan
- Pheabs
- Revolut
1. BadCreditLoans
Reading this and got a bad credit history? Go on… It’s because of you that we included BadCreditLoans on our list of the best payday loans online services. These guys are determined to help bail you out despite the odds. Your credit score doesn’t matter here, only you might end up with a higher APR (Annual Percentage Rate) if your score is really compromised.
They are one of the best payday loans online, BadCreditLoans boasts a fast application process, as well as a handy education center – and they won’t charge you a cent for their service.
2. SoFi Checking And Savings
You should set up direct deposit with SoFi, just like you would with many other payday loan apps on this list (many of them are really more like online banks that offer the payday advance option). If you comply, you might receive your paycheck up to two days earlier than usual. Its our second pick for the best payday loan apps.
3. Cashback Loans
Cashback Loans was founded for the purpose of serving Southern California residents. The platform was opened their first two locations in 2003 and have now grown to 29 convenient locations. They are dedicated to providing Southern California clients with quick, efficient payday loans and only the best customer service.
They claim to care for their customers and want them to feel comfortable in their bright, open, and inviting stores. They are open 7 days a week and have extended hours for customer convenience and peace of mind.
Make any day a payday with a quick and confidential cash advance from Cashback Loans. You can have cash in your hand in as little as 15 minutes. Want to apply from the comfort of your home? We offer online funding with money transferred right to your account.
4. Cashmax
This lending platform is fast, easy and secure! Cashmax Payday Loans ranges from $50-$255, and you can get approved in just a few minutes! All you need is an open checking account and a steady source of income
5. CashUSA
It doesn’t matter where you’re residing in the US, this payday loan provider will let you in with both hands. Yes, CashUSA caters to all 50 states, unlike some of our top picks that exclude a couple of states which makes it a plus.
And whatever your loan purpose, you won’t be locked out here. CashUSA lets you use your loan for almost anything, from home improvement to debt consolidation to emergency situations.
Even if you’re moving houses, you’re sure to get a front seat here.
Highly rated by customers across the country, CashUSA ticks most of the boxes you’re looking for in a payday loan agency – even if they’re not a direct lender. The vast majority of online payday loan agencies aren’t, anyway.
So, what are you waiting for? Get the ball rolling today. Don’t worry if you don’t know a thing about online personal loans (or even about how to go about it). Cash USA has an education center with a wealth of info for you.
6. PayActiv
PayActiv users can access earned money prior to payday and receive assistance with financial advice. The app’s platform was created to be more than just a substitute for payday loans, enabling users to pay their bills and receive savings on prescription medications. Its our sixth pick for the best payday loan apps.
You may even access your money quickly and conveniently with a debit card that is linked to your PayActiv account and has fraud protection. Users can use the service for free if they set up direct deposit to the card, or they can choose to pay a $1 daily fee.
7. Flex Wage
FlexWage works to enable workers to access their earned earnings whenever they need to, much like the other payday loan substitutes listed. These applications for payday loans are becoming more and more popular because they help employees who are stressed out about money. Additionally, payroll advances free firms from the administrative headaches that come with them. Its one of our recommended best payday loan apps.
In addition, FlexWage provides reloadable payroll debit cards for workers who typically receive paper checks. Workers who lack banking services and are unable to accept direct deposits may find this useful.
8. Loan Solo
You can quickly receive money into your bank account without a lot of effort or cost. Loan Solo provides personal loans up to $3,000 and quick cash advances up to $1,000. APRs can change depending on the lender and your credit history. However, it may still be less expensive than paying the exorbitant fees connected with payday loan apps if you need to fill a gap or get ahead. Its among the amazing best payday loan apps available.
9. PockBox
PockBox provide quick cash of up to $2,500. You fill out the paperwork, and within a short period of time, a lender prepared to deposit money into your account by the following business day. Its our ninth pick for best payday loan apps.
Once more, APRs depend on your credit situation and the lender, but you’ll likely spend less through PockBox than you would with an online or offline payday lender.
10. Cashapp
Anyone who is at least 18 years old can open a CashApp account. You can get your paychecks up to two days early when you sign up. If your monthly salary is at least $300, you are also eligible for free ATM withdrawals.
You may pay for services, send money to friends and family, and more using CashApp. Additionally, you can invest as little as $1 in Bitcoin and stocks. CashApp doesn’t charge a fee for its direct deposit service or for sending money to others. ATM withdrawals and cash card upgrades are subject to surcharges.
11. Cleo
Cleo isn’t a bank. It’s a money app that links to your existing bank account. One of its key features is a salary advance benefit to help you avoid overdraft fees.
If you qualify, you can get an advance of $20 to $70 immediately. Once you pay it back, your cash advance limit can increase up to a maximum of $100. This feature requires no credit check and no proof of regular income. And you pay no interest on the money you borrow.
12. MoneyLion
You can join up for Money Lion simply known as RoarMoney, which allows you to receive a $1,000 cash advance, or you can sign up for the Instacash option, which will grant you a cash advance of up to $250.
Your direct deposits will be made into a RoarMoney account if you choose the latter option. Additionally, you’ll receive everything a financial institution would typically offer, including a debit card and access to ATM networks.
Additionally, you might not be eligible for a $1,000 cash advance. It might be lower. It depends on various elements, including how much cash is regularly deposited directly into your RoarMoney account. Its our twelfth pick for the best payday loan apps.
Having a RoarMoney account costs $1 per month, and you must pay $3.99 for rapid cash delivery.
13. Fig Loans
Fig Loans lending platform gives you a payday loan alternative that comes with a fair price and a repayment timeline that works within your budget. The platform has no hidden fees or fine print. The rate you see is exactly how much your loan will cost.
Fig loans have built credit, helping many Americans access more affordable credit in the future.Modeled after home loans because it works, pay the same amount each month and after the last month your loan is paid off.
14. Varo
Our fourteenth pick for the best payday loan apps is Varo. This is another online bank account with a few features for payday advances. Varo, like Chime, can deliver your paycheck to you as soon as it clears the bank, which is typically 48 hours faster than traditional banks. Varo will also give you a free $20 advance if you need your money sooner.
However, you will start to pay if you require more than that. The maximum amount of your paycheck that can be advanced is $100, and the maximum fee you’ll have to pay is $5. You must repay the advance within 15 to 30 days.
15. SeedFi
If you have poor credit or no credit history, SeedFi’s Credit Builder Prime is a good first step to take to start improving your score. There’s no credit check to get Credit Builder Prime – whatever score you have now won’t impact your ability to get this product. You can establish and improve your credit since payments are reported to the three major credit bureaus – on-time payments can help boost your credit score – and you can also end up with savings in the bank that you didn’t have before. And its our fifteenth pick for the best payday loan apps.
When you sign up for Credit Builder Prime, SeedFi opens a $1,000 line of credit in your name. You decide how much you want to draw, anywhere from $10 – $40, from the line of credit each pay period.. SeedFi deposits this amount into a locked savings account in your name. Each draw is a small, interest-free loan, and , when you get your paycheck, you simply pay SeedFi back – no fees, no interest.
16. Current
Current is a money borrowing app that gives you ability to instantly access up $200 with no interest or fees. There’s no credit check either.
With Current you get nearly all of the features you use a bank for, straight from your phone. Sign up for Current and you’ll get a Current debit card, which you can use at the millions of merchants that accept Mastercard, or withdraw cash from nearly 40,000 ATMs with no-fee.
You can also cash checks right in the app, and even earn rich cash-back rewards when your debit card, such as 4% at tons of local and national restaurants, and 2% back at brand-name gas stations. Its our sixteenth pick for the best payday loan apps.
The most popular feature is Current Overdrive, which gives you instant access to up to $200 in no-fee overdrafts in debit card purchases.
17. Vola
When you’re looking to borrow money with a loan app, Vola stands out because it offers same-day cash advances of up to $300 with no credit check. It also supports over 6,000 credit unions and banks.
- Amount: Up to $300
- Processing Time: Within five hours
- Repayment: Manually or automatically on the due date
- Fees: Subscription fee of $2.99 to $28.99
18. ZippyLoan
Looking for something as small as $15,000? Yeah, not everyone is looking to fund small projects. ZippyLoan won’t hesitate to offer you a seat if you’re seeking a bigger loan amount. And, sure, they’ve got you covered even if you have poor credit. These guys understand that life happens to people with good and bad credit alike.
Nevertheless, you’re going to have to part with some fees here, unlike with our other top picks. Still, ZippyLoan is worth checking out if you have nowhere else to turn.
Just note that the payload loan agency doesn’t serve all states, including New York. This company’s range of loans oscillates between $100 and $15,000, which is impressive, considering its counterparts offer a meager amount. So, don’t be afraid to fill out that form if all you want is just $100.
19. Pheabs
If you are looking for the best payday loans online near me, Pheabs is here to help! They offer $100 to $35,000 repaid over 1 to 60 months from payday lenders, apps, advances and alternatives.
They offer a completely online application and if approved, you can receive funds within 24 hours or the same day of applying. And yes, they have bad credit and no credit check options too. To get started, simply click on the button below and complete their application in less than 5 minutes!
Pheabs can proudly offer loans near you in almost every state of the US, so they can connect your loan application with a local company and help you find the quickest, effective and most affordable solution.
20. Revolut
Revolut is a financial technology company that makes it easy to access your entire paycheck early up to two days before your scheduled payday with a qualifying direct deposit payer.
Unlike some early direct deposit providers, Revolut doesn’t take any fees from your paycheck. And you’ll get a notification as soon as the funds hit your account no more worrying about funds lost in limbo. Its our last pick for payday loan apps.
