• Sometimes payday
    is too far away

    A payday loan can help you bridge the
    gap between a crisis & your next paycheck.

    *APR varies from 200% – 1386% depending on lender.


Payday Loans Online


What is a payday loan?


Having bad credit or a poor credit history usually makes it hard to get finance in traditional ways. It is often difficult in this case to get loans from common sources such as banks. As most people do not have much in the form of savings set aside, a payday advance online may be your only option if you’re faced with unexpected expenses. How would you cope with a sudden car breakdown or damage to your home appliances?



Your solution in these circumstances could be a payday loan.


These are also known as cash advances. The payday loans that our recommended lenders offer are unsecured short-term loans.
Depending on where you live, the terms of the loans on offer differ and are typically unique to every state.




Borrow $100-$800 and get same day approval


Fast application, high approval and complete protection.



America’s most trusted source of online payday loans


National Coverage



Your most common payday loan questions


What exactly is a payday loan?

A payday loan is a small, short-term unsecured loan that is lent at a high rate with the understanding between the borrower and lender that the due amount will be repaid at the time of the next paycheck.

How do payday loans work?

How can I get a payday loan?

To begin with, we help you find a payday lender that is right for you. Make sure that they have positive reviews and that they are a legal lender. Discuss the fees and interest rates with your lender and make a plan for the repayment of the loan. Upon completion of your application and acceptance by your lender, the money should reach you within a short period.

How can I get a payday loan without a bank account?

For online payday loans, it is common for lenders to ask that you have an active checking account. While it was previously not possible to take out a payday loan without a checking account, many lenders nowadays ask only for verifiable proof of income and a savings account or prepaid debit card. In short, you have to check with your lender to find out whether it is possible to take out a loan without a bank account but be aware that you may be charged a higher fee for their services.

What do you need to get a payday loan?

The basic requirements to be able to get a payday loan are: a valid form of ID, e.g., passport or driving license, as a borrower you must be over 18 and a U.S. citizen or permanent resident, and you must be able to show proof of your income. Please note that most lenders will require you to have an active checking account.


Why choose Online Credit USA for your cash advance?


Three important reasons why we are America’s #1 Choice

Payday Loans With Safety


We screen members of our lender network carefully to ensure a high standard of service is provided to our valued customers.



Borrowers Protection Shield


Our borrowers protection shield is worth it’s weight in gold, protecting our customers and making sure you are treated fairly.



Quick Money To Your Bank


If you need your money fast, our lenders will get your funds into your bank quickly, often on the same day as your application.






Four Easy Steps To Get Your Money Fast


Get the peace of mind you deserve when applying for a payday advance online


Apply Online

Apply & let us search our powerful lender network for you

Agree & Sign

Agree to your loan & sign your documents online

Get Your Cash

Receive your cash directly within hours of your loan approval

Protect Yourself

Register for our Borrowers Protecion Shield for total protection

Over half of Americans are unable to meet an unexpected $1,000 expense





If you belong to the majority of Americans who do not have enough savings, then you need a safe option to deal with unforeseen expenses. However, you should be wary of cash advance loans online from loan sharks and predators as this will cause you more money problems.



Do I need a payday advance online?


If you need a payday loan online and you need it quickly, consider applying for a loan with us. The loans that our recommended online payday lenders offer have lower rates and we guarantee customer satisfaction and payday loan help. If you were wondering how to get a payday loan, rest assured that we offer you a simple way to decide which payday loans online are best for you.



Providing secure & safe borrowing for customers across America