Top 20 Best Payday Loan Apps In The US 2022

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
Top 22 Best Payday Loan Apps In The US 2022

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.

ALSO READ: Top 10 Best E Transfer Loans On Social Assistance

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.

Top 20 Payday Loan Apps In The US 2022

  1. BadCreditLoans
  2. Sofi
  3. Cashback loans
  4. Cashmax
  5. CashUSA
  6. Payactiv
  7. Flex wage
  8. Loan solo
  9. Pockbox
  10. Cash app
  11. Cleo
  12. Money lion
  13. Fig loans
  14. Varo
  15. SeedFi
  16. Current
  17. Vola
  18. Zippy loan
  19. Pheabs
  20. Revolut

 

1. BadCreditLoans

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

2. SoFi Checking And Savings

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

3. Cashback Loans

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

4. Cashmax

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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

  • Step 1: Fill out the form

Fill out our payday loan application

  • Step 2: Sign your loan docs

E-signature process allows
for online processing

  • Step 3

Receive your funds. Your funds are then deposited into your account

To apply, Click here

5. CashUSA

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

Plus, you can count on their client support should you need additional help.

To apply, Click here

6. PayActiv

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

7. Flex Wage

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

8. Loan Solo

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

9. PockBox

Top 20 Best Payday Loan Apps In The US 2022

Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

10. Cashapp

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

11. Cleo

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

12. Money Lion

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

13. Fig Loans

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

This 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.

To apply, Click here

14. Varo

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

15. SeedFi

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

16. Current

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

17. Vola

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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

To apply, Click here

18. ZippyLoan

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

ZippyLoans is also one of the best payday lenders with a higher maximum amount, making them a good fit if you’re looking to fund large projects. ZippyLoan doesn’t disappoint when it comes to processing your loan in good time. Once a lender approves your loan, the funds should hit your bank account in just 24 hours. This payday loan agency knows the “rules of the game.”

Like with most entries on this list, the requirements are the same: US citizenship (or legal residency), checking account, regular income, etc. Make sure to check these boxes before you “grab” that application form.

According to real-user feedback, the site’s design is not only professional but also easy to navigate through. It doesn’t matter if you’re a first-time customer, but you should find your way around just fine.

You don’t need to have an excellent credit score to win the trust of ZippyLoan’s network of lenders. Although, like with most of our top picks, expect a high-interest rate if your credit has tons of red flags.

To apply, Click here

19. Pheabs

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

20. Revolut

Top 20 Best Payday Loan Apps In The US 2022
Top 20 Best Payday Loan Apps In The US 2022

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.

To apply, Click here

Frequently Asked Questions (FAQs) About Payday Loan Apps In The US 2022

What App Will Lend Me $20?

Cash advance apps like Earnin, Dave and Brigit let you borrow a small amount from your next paycheck before you receive it. This quick fix may be helpful if you need cash in an emergency, but look for cheaper options before you borrow from an app.

What’s The Easiest App To Get A Cash Advance?

  1. Dave — Best for Highest Cash Advance.
  2. Empower — Best for Quick Cash Advances.
  3. Earnin — Best for Earning-based Borrowing.
  4. PayActiv — Best for Short-term Loans.
  5. Brigit — Best for Same-day Loans.
  6. MoneyLion — Best for Multiple Options.
  7. Vola — Best for Same-day Cash Advances Up to $300

What Is The Best App To Lend Money Until Payday?

  1. Earnin: Best for low fees.
  2. Dave: Best for small advances.
  3. Brigit: Best for budgeting tools.
  4. Chime: Best for overdraft protection.
  5. MoneyLion: Best for multiple financial products

What are reputable and reliable apps that loan you money immediately in the US, Nigeria, UK and Canada?

In need of an instant loan apps in Nigeria? You can apply through any of the top loan apps in Nigeria and get funded within few hours.

If you are in United States of America (USA), you can also apply for an emergency cash advance loan even if you have a poor or bad credit rating. If you need the top and best Apps For No Credit Check Loans Guaranteed Approval Direct Lender, CLICK HERE.

These Top 10 Best Instant Loans No Credit Checks Guaranteed Online Approval are also highly recommended.

If you are in Canada, these 10 cash advance loan apps could meet your emergency and quick cash loan request.

For instant, payday, emergency or advance cash loan if you are in Australia, CLICK HERE.

If you are in the UK, Click Payday Loans for our 22 best payday loan direct lenders.



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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (quickloanarena.com), the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

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