Instant Payday Loans

Loanza's 100% Free service can connect you to a lender today.

In minutes you could be signing your loan agreement, and receiving funds as early as next business day. APR from 1.99%*

Welcome to loanza.us

By submitting your information you understand and agree to the Privacy Policy, Terms of Use and E-Consent

Payday loans are a well-known emergency finance option. When you need a loan urgently, the less time you have to wait, the better. In a real cash emergency waiting days or even hours for the lender to process your loan application just isn't good enough. Thankfully, there are now many instant payday loan options on the market.

With an instant payday loan, it's effortless to get fast cash. Once your application has been approved and you've signed the relevant paperwork, an instant deposit can be made to your account. Short term financial relief is only a few clicks away in this day and age. It's as easy as 1,2,3.

Traditional Payday Loans

Traditional payday loans are offered by high street lenders. It used to be the case that you would have to go and visit this business in person, speak to a member of staff, and take a bunch of paperwork with you. In many cases, you would be given the cash or have the loan deposited into your checking account on the same business day. Occasionally you would have to wait until the next business day to go back and pick up your cash or have the credit in your own account. A few years ago this would have been considered a relatively quick process and a smooth business transaction.

One of the most popular payday loan options is a deferred deposit transaction. This type of short term loan is licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. This was previously considered the quickest way to access loans. The borrower would provide the lender with a check for the amount of money desired and then the lender would hand over the cash (minus a fee). To retrieve the loan, the borrower would deposit the check at an agreed-upon later date. Legally, no longer than a 31-day term is allowed for this short term loan option. This loan option is popular, although, in person, it does offer instant credit.

Online Payday Loans

These days the process of accessing a quick payday loan can be even easier. You don't even have to leave the house to access credit the same business day. You can receive a payday loan as a credit to your bank account within minutes. All you have to do is locate your preferred lender and make an application for credit online. Online loans are a game-changer when it comes to solving urgent, short term financial problems. Not only do online loans save you time, but the terms can also be more flexible than traditional pay loans. It is likely that you will be able to borrow higher amounts over longer periods of time if you really need to.

The most time-consuming part of taking out a loan online is identifying which lender is best for you. It's not only time consuming, it's risky! The online loans market is overflowing with lenders offering the same business day credit. Choosing the wrong option could harm your credit rating and long-term finances.

Luckily Loanza is here to help! We proudly work with the best online lenders in the USA. We can help match you to the best instant payday loan, with no extra hidden charges. Why waste precious time on research, when you can look for a loan using Loanza instead?

Looking for an instant payday loan?

We can connect you to a trusted lender in minutes, even if you have bad credit.

Get Started Now

Can I Get an Online Payday Loan With Bad Credit?

Yes, you can! Online loans lend themselves well to people with bad credit.

It used to be the case that having the smallest blip in your credit score would prevent you from being offered loans, thankfully the rise of online lenders has made the money borrowing market a much more diverse place. Online lenders consider many factors and offer loans based on affordability and your debt to income ratio.

It is really important to remember that each time you apply for a loan, a credit check will still be carried out as part of the application process. Each application will leave a mark on your credit history, regardless of whether your loan is approved or accepted. Applying for multiple loans can actually damage your credit score long term.

By using Loanza, you can avoid this situation. Instead of carrying out a standard credit check, we carry out what's known as a 'soft check' or a 'soft search'. This means that we can explore the loans you are eligible for without impacting your credit history, this is because a soft check is not tied to a specific application. Standard credit checks are known as 'hard checks' or 'hard search'. This is the kind you're best to avoid. If you are looking to avoid further damage to your report you will even find that many of the lenders we work with will give you a loan using only a soft search. This is because they are based on affordability as mentioned previously.

What Can I Use My Loan For?

Another great thing about online payday loans is that it is unlikely that you will have to provide your personal information. When you take out a loan, you can use the cash however you see fit. Chances are if you need cash in a hurry it is for an urgent unavoidable expense. Perhaps you have medical bills or vet bills, urgent home repairs, or car trouble.

It is incredibly important to remember that loans impact your long term finances. They are not advisable if there is any chance they can be avoided. Taking out any kind of finance comes with additional fees and interest attached. Emergency finance such as an instantly paid day loan will come with even higher interest rates attached. It's not free money and will work out far more expensively in the long run.

If you avoid the use of loans and save up then it's always the best option. However, when life hits you with an emergency fee then their use can come in handy.

Let Loanza Take the Load Off!

Apply to Loanza within minutes. We will perform a soft check to connect you to the best loan available to you at the best rates available. Next, you can review your loan terms and sign your agreement and the loan can be deposited the same day. Some lenders will offer 'soft search' loans and others will carry out a full credit approval which will show on your credit history. Please make sure that you read the fine print before submitting your application. The fine print will also confirm how quickly your loan will be deposited!

The money can be in your account on the same business day, in a lot of cases you will get the money within less than an hour which is as instant as it gets!

How Much Does It Cost?

Nothing, Loanza's service is 100% free to use. We can find you the ideal same day loan completely free of charge. Be wary if you choose to use another service provider as many of them do charge an extra fee on top!

Looking for an instant payday loan?

We can connect you to a trusted lender in minutes, even if you have bad credit.

Get Started Now