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13 Convenient Best Quick Loans: Get Instant Cash With Easy Application

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An unexpected expense, such as a medical bill, emergency trip to the vet, or car repairs, can be a disaster, depending on its timing. 

What are your options if you can afford it next week after payday but can’t wait that long? 

The best quick loans are a brilliant solution to help you avoid even more expenses, such as overdrafts or late fees, or even worse, denial of a necessary service

As some lenders are superior to others in terms of features, terms, and rates, we’ve put together all the best services in one article. 

Overall, the best payday loan service is Viva Payday Loans

Where To Get the Best Quick Loans Online

First Look

  1. Viva Payday Loans – Best quick loans online overall
  2. NextPayDay Advance – Best quick loans with efficient service
  3. 247FastFund – Best quick loans for low APRs
  4. 247CreditNow – Best quick loans for low-income borrowers
  5. Brighter Loans  – Best quick loans of up to $35,000
  6. Priority One Payday Loans – Best for large quick loans
  7. FastLoansGroup US – Best quick loans for speedy service
  8. 1stPremierLending.com – Best quick loans with integrity
  9. Funds-Now.com – Best quick loans for fast approval
  10. SmartAdvances.com – Best quick loans for low credit scores
  11. SpringLoans.net – Best quick loans online for medical expenses
  12. SteadyCash.net – Best quick medium-sized loans
  13. Brigit – Best for micro loans

The best quick payday loan services offer flexible repayment terms, rapid deposits, and a range of loan options to suit various needs. They typically also welcome lower-income customers or those with bad credit histories, who are more likely to need emergency loans. 

Thanks to its diverse offerings and accessibility to customers with poor financial histories, our favorite service is Viva Payday Loans

1. Viva Payday Loans – Best Quick Loans Online Overall

Pros

  • Loan as little as $100 or as much as $5,000
  • Choose between several loan terms 
  • Welfare recipients welcomed 
  • Receive your loan on the same day 

Cons 

  • Can have high fees, including 20% of your loan plus 4% per month 

APR & Amount

4.6% – 35.99% on loans ranging from $100 to $5,000. 

Overview

Viva Payday Loans provides flexibility and options in income type to how you apply for a loan, making it the best service overall. 

Why Viva Payday Loans Stands Out

Viva Payday Loans is the best service overall for several reasons. For one, you can use many alternative income sources to meet the $1,000 per month requirement besides a traditional job. 

Freelance work, a side hustle, financial support from family, rental income, and welfare can all qualify. 

What’s more, you can repay your loan anywhere from two to 24 months. Viva offers rapid service, with decisions made in minutes and the money in your account within 24 hours. 

For some people, the best feature of all is that your credit history isn’t examined. Not only do many have a bad credit history, but others still have no credit history, as they purchase by cash or debit. 

How to Apply

Simply fill out the online application form to apply for a Viva loan. You can also request a loan via SMS, which is easier if you’ve previously worked with the service

Eligibility Criteria

The base criteria for Viva Payday Loans are that you must have an active bank account, earn or receive at least $1,000 per month, be a US citizen or green card holder, and have a permanent address. The lender that Viva matches you with may also have additional criteria. 

Summary

Whether you’re a freelancer or unemployed, need $100 or $5,000, or have bad or no credit. Viva Payday Loans is the best service overall if you need money fast. 

>>Check the best price for Viva Payday Loans

2. NextPayDay Advance – Best Quick Loans With Efficient Service

Pros

  • Traditional and non-traditional employment allowed
  • Those receiving benefits or in the military are accepted
  • User-friendly application form 
  • 24-hour customer support 

Cons 

  • Does not provide individual APRs before you finish applying

APR & Amount

Receive a loan for anywhere between $100 and $2,500 at variable APRs depending on the third-party provider you’re matched with.

Overview

NextPayDay Advance provides streamlined service and flexibility and can provide financial advice, too.

Why NextPayDay Advance Stands Out

NextPayDay Advance is an excellent service because it offers flexible options. NextPayDay is rated at A+ by the Better Business Bureau, although it isn’t yet accredited. It provides fast payment options thanks to a streamlined service. 

Additionally, NextPayDay has an app that costs $9.99 per month. For example, you can receive and implement helpful advice on improving your credit score and budget. This may help you with future loans or assist you in avoiding the need for emergency funds. 

How to Apply

You can apply for a NextPayDay Advance loan through a two-part online form, including questions about your income and when you expect to receive your paycheck. 

Eligibility Criteria

As NextPayDay Advance is not a direct lender, your eligibility may depend on the actual lender’s criteria. Generally, you must be over 18 with a permanent address, a monthly income of at least $800, and a valid savings or checking account. 

Summary

NextPayDay Advance is an excellent service provider to consider if you’re looking for a platform that not only gives you access to the best quick loans online but also educational resources to help you better your finances.

>>Check the best price for NextPayDay Advance 

3. 247FastFund – Best Quick Loans for Low APRs

Pros

  • Lowest APR than other quick payday loan services 
  • 24-hour customer service is available 
  • You may get a decision in as little as two minutes

Cons 

  • You must have kept your current job for at least 90 days 

APR & Amount

The APR varies depending on 247FastFund’s lending partners. However, this can start as little as 4%. You can receive a loan from $500 to $5,000. 

Overview

If you’re concerned about high, often predatory interest rates, 247 FastFund offers some of the lowest around. 

Why 247FastFund Stands Out

One of the biggest problems when looking for the best quick loans online is their annual interest rates, also known as APRs.

At 247FastFund, the APRs on available loans start from 4%, keeping your expenses from getting out of hand. 

However, although many lenders they partner with accept all credit scores, you will pay higher interest rates for worse scores. 

Additionally, 247FastFunds lives up to its name in terms of service. Their 24-hour customer support is there even if you need a loan at 3 am, when others may be closed. 

How to Apply

Applying for a loan through 247FastFund is quite simple. You just need to fill in the requested personal details and upload documents as instructed on the user-friendly online form. 

Eligibility Criteria

To receive a loan through 247FastFund, you must be a US citizen or permanent resident with your email address, bank account, and permanent address. 

Unlike other services here, you must have been employed at your current job for 90 days and provide your workplace’s telephone number. 

Summary

247FastFund can connect you with the best quick loans for bad credit at any time of the day, with some of the lowest interest rates available. 

>>Check out the best prices for 247 FastFund

4. 247CreditNow – Best Quick Loans for Low-Income Borrowers

Pros

  • Low monthly minimum income of $800
  • Apply in as little as three minutes 
  • No fees or charges to make any financial issues worse

Cons 

  • No sample APR rates are available before you apply 

APR & Amount

The APR varies by the lender, and you can receive loans from $100 to $35,000.

Overview

247CreditNow is our favorite service to enjoy quick personal loans if you’re on a lower income

Why 247CreditNow Stands Out

247CreditNow stands out the most for low-income customers, as their minimum monthly income is only $800 instead of $1,000. 

They also provide loans for people with all credit scores, so you don’t have to worry about rejection. 247CreditNow is also a fast service with a three-minute application process that is convenient for emergencies. 

How to Apply

Applying for a loan through 247CreditNow simply involves uploading the requested documents and filling in your details. It can take as little as three minutes. 

Eligibility Criteria

247CreditNow requires customers to have a permanent address, US citizenship or permanent residency, and a monthly income of at least $800. 

Summary

Don’t let a low income get in the way of paying on time for major, unexpected expenses. 247CreditNow has a lower threshold than most alternatives. 

>>Check the best deals for 247CreditNow 

5. Brighter Loans (StopGo Network) – Best Quick Loans of up to $35,000

Pros

  • Loans of up to $35,000 
  • Automatic deductions from your bank account
  • Outstanding reputation 

Cons 

  • No information on loan rates is available

APR & Amount

As Brighter Loans only connects you with lenders, they cannot give you an estimate of APRs. The available loan amounts range from $100 to $35,000. 

Overview

Brighter Loans provides you with some of the most significant quick personal loans around. Your financial history does not need to be an obstacle. 

Why Brighter Loans Stands Out

Brighter Loans is the best quick loans online provider for people who need large sums of money fast. 

You can request loans of up to $35,000, as the service caters to customers of different financial statuses. Poor credit history, previous bankruptcy, and bounced checks or current debt don’t need to be obstacles. 

After you submit your application, Brighter Loans will send you a list of lenders who could help, so you can choose who may fit your needs best. They typically aren’t strict on finding out your credit history, either. 

How to Apply

Brighter Loans provides a simple application process, which takes around three minutes to upload your details and paperwork. 

Eligibility Criteria

To be eligible for Brighter Loans’ services, you must be over 18 with either a permanent residency or citizenship in the United States. 

Your minimum income must be at least $1,000 monthly after tax, and you must have stuck with your current employer for at least 90 days. 

Summary

Brighter Loans can give you brighter days, even if you need a loan of over $30,000 and have an unfortunate financial history. 

>>Check the best price for Brighter Loans 

6. Priority One Payday Loans – Best for Large Quick Loans 

Pros

  • Can provide loans of up to $50,000
  • No unnecessary fees or charges
  • Low minimum income requirement of $800 

Cons 

  • APR amounts cannot be estimated before your application 

APR & Amount

The APR varies based on the lender. Loans ranging from just $100 to $50,000 are available, although not all lenders will provide them. 

Overview

Priority One Payday Loans gives you peace of mind in difficult circumstances, with a staggering upper loan size limit. 

Why Priority One Payday Loans Stands Out

Priority One Payday Loans provides up to $50,000 for quick personal loans, cash advancement, emergency, and installment loans. Some lenders can even allow you to collect your money in cash instead of waiting for a bank deposit. 

Despite the high loan ceiling, Priority One Payday Loans offers fast service. You may get approval within minutes; even loans of over $20,000 can take two or three days.

Although APR figures cannot be estimated, you’ll typically be looking at anything from 4% to 35%. 

How to Apply

Priority One Payday Loans has a quick online application form like our other top picks. They are slightly more time-consuming, with an average of five minutes being all you need. 

Eligibility Criteria

Priority One Payday Loans has a lower minimum income requirement, at just $800 per month. You must also be a US citizen or resident over 18, and your income must be regular. 

Summary

Priority One Payday Loans can assist you with significant expenses at reasonable interest rates and relatively low requirements. 

>>Check the best deals for Priority One Payday Loans 

7. FastLoansGroup US – Best Quick Loans for Speedy Service 

Pros

  • Provides loans of up to $50,000
  • SSL encryption protects your personal information 
  • No unwelcome fees and charges surprises

Cons 

  • You cannot estimate your APR before submitting your application 

APR & Amount

The APR depends on the lender you agree to be matched with, but you should expect it to be between 4.99% and 34.99%. You can receive loans up to $50,000. 

Overview

FastLoansGroup US provides speedy turnaround times when you need a loan the most. 

Why FastLoansGroup US Stands Out

We chose FastLoansGroup US for their impressive turnaround times when you’re waiting for approval and your loan to arrive. 

It doesn’t matter when you need the money, as their 24-hour availability and high-quality customer support ensure you won’t be stranded. 

Better yet, the company uses SSL encryption to protect against the growing threat of hackers and scams. If you’ve been stung before, quality privacy tech may save you more time by giving you less reason to hesitate. 

How to Apply

All it takes to apply for quick personal loans is a five-minute online application form, including your details and necessary documents. 

Eligibility Criteria

FastLoansGroup US requires borrowers to be either permanent residents or US citizens, have a permanent address, and have an active bank account (savings or checking) that allows for direct deposits. 

Summary

Pay that unexpected bill ASAP with FastLoansGroup US, thanks to their rapid service and privacy protections that won’t leave you thinking twice. 

>>Check the best price for FastLoansGroup US 

8. 1stPremierLending.com – Best Quick Loans With Integrity

Pros

  • Member of the Online Lenders Alliance 
  • Receive loans of up to $20,000
  • Includes SSL encryption to protect your privacy and security 

Cons 

  • You cannot see APR rates before sending in your application 

APR & Amount

Your APR varies according to the matched lender you choose, but expect it to be between 5% and 32%. You can receive a loan anywhere from $100 to $20,000. 

Overview

1stPremierLending.com provides high-value loans with responsible policies, regardless of your reason for borrowing the money. 

Why 1stPremierLending.com Stands Out

1stPremierLending.com offers high-value loans with a significant degree of integrity. They provide the best quick loans online for working borrowers and those on disability, retirement, or other benefits. 

If you cannot receive approval for a loan, they will instead recommend financial rehabilitation or debt relief organizations. 

With 1stPremierLending.com, you can feel safe from predatory practices. As a member of the Online Lenders Alliance, they are committed to fairness and respect as described in federal law. 

How to Apply

1stPremierLending offers a convenient, three-minute online application process. You can then expect a decision within minutes. 

Eligibility Criteria

Borrowers must be US citizens or permanent residents with a social security number, over 18, and have a valid state ID such as a driver’s license. You also need a regular monthly income of at least $1,000. 

Summary

1stPremierLending is committed to integrity, with various loans available for borrowers of any income status under fair policies. 

>>Check the best deals for 1stPremierLending.com 

9. Funds-Now.com – Best Quick Loans for Fast Approval

Pros

  • Receive a decision in under two minutes 
  • Apply for loans of up to $20,000
  • Member of the Online Lenders Alliance 

Cons 

  • Cannot provide exact APR rates before your application 

APR & Amount

Although lenders charge different APR rates, you can expect them to be between 5.99% and 28.99%. Loans of up to $20,000 are available, starting at $100. 

Overview

Funds-Now is committed to quick personal loans under fair trading practices. 

Why Funds-Now.com Stands Out

Funds-Now.com offers speedy service and fair lending practices, often making decisions in under two minutes. 

This is outstanding, considering the paperwork involved in loan approvals and the number of affiliated lenders. 

Additionally, Funds-Now is committed to integrity. They provide online guides for responsible lending, and their membership in the Online Lenders Alliance shows a dedication to fair legal practices. 

How to Apply

All it takes to apply for quick personal loans through Funds-Now is a three-minute application form, a little longer to fill out than your waiting time. 

Eligibility Criteria

You need a regular income of at least $1,000 per month, US citizenship or permanent residency, a valid driver’s license or state ID, and a social security number to be eligible. 

Summary

Funds-Now provides convenient quick personal loans with faster turnaround times than your application, with a commitment to fairness. 

>>Check the best price for Funds-Now.com 

10. SmartAdvances.com – Best Quick Loans for Low Credit Scores

Pros

  • Apply for a loan of up to $20,000 
  • Convenient two-minute application form 
  • No hidden fees 

Cons 

  • Your information may be used to send you marketing material from the company and third parties. 

APR & Amount

Lenders’ APRs range from 5.99% to 35.99% on loans from $100 to $20,000. 

Overview

SmartAdvances is our favorite all-purpose lender offering some of the best payday loans for bad credit.

Why SmartAdvances.com Stands Out

SmartAdvances provides borrowers with loans ranging from just $100 to $20,000 for any purpose you need. 

You also don’t need to provide a reason for needing a loan. As a member of the Online Lenders Alliance, they avoid shady practices, too. 

Better yet, SmartAdvances does not perform a hard credit check, which protects your credit score; has no hidden fees; and can approve your loan in as little as two minutes. 

How to Apply

Simply fill out SmartAdvance’s application form in as little as two minutes. You must provide information such as your typical yearly earnings, work status, and whether you own or rent your home. 

Eligibility Criteria

To be eligible for quick personal loans through SmartAdvances, you must be a US citizen 18 years or older, with a valid driver’s license or other state ID. 

You also need a regular income to ensure you can repay your loan and an active bank account. Some lenders may ask for extra criteria. 

Summary

SmartAdvances is our top choice for larger loans, and there’s no list of approved uses. 

>>Check the best deals for SmartAdvances.com 

11. SpringLoans.net – Best Quick Loans Online for Medical Expenses 

Pros

  • Receive a loan of up to $20,000
  • Member of the Online Lenders Alliance 
  • Specializes in medical expenses 

Cons 

  • Cannot provide APR rates until after your application is approved 

APR & Amount

The APR varies by lender but typically ranges from 5.99% to 35.99%. You can borrow anywhere from $100 to $20,000. 

Overview

SpringLoans.net can assist people with all categories of FICO scores, committing to integrity and security at every step. 

Why SpringLoans.net Stands Out

Although SpringLoans.net offers the best quick loans online for any purpose, they’re best known for helping with sudden medical expenses. 

With simple application forms and eligibility calculators, you can learn whether you qualify for a loan in just three minutes.

You will be referred to debt rehabilitation firms if your loan is denied. This is part of their commitment as a member of the Online Lenders Alliance to protect you from harmful practices when you least need them. 

How to Apply

SpringLoans.net helps you get back to other urgent matters with a quick application form, including personal information and documentation. 

Eligibility Criteria

Borrowers must have a permanent address, US citizenship or permanent residency, valid state ID or driver’s license, and a monthly regular income of over $1,000. 

Summary

If you’re struggling with a sudden medical bill, SpringLoans can provide honest, quality support. 

>>Check the best prices for SpringLoans.net 

12. SteadyCash.net – Best Quick Medium-Sized Loans

Pros

  • Best for medium-sized loans
  • No hidden fees or charges 
  • Find out your options in three minutes 

Cons 

  • No APR rates are available until after your application is approved. 

APR & Amount

The typical APR rates range from 4% to 38%, and you can borrow loans from $100 to $20,000. 

Overview

SteadyCash.net is our top choice for medium-size loans, regardless of your credit score. 

Why SteadyCash.net Stands Out

SteadyCash stands out the most for medium quick personal loans between $3,000 and $10,000, as the company will almost always approve them. 

As a member of the Online Lenders Alliance, they’re on your side even if you’re looking for the best bad credit loans. In cases where your score is too low for a loan, you can be referred to debt rehabilitation firms as your next step. 

How to Apply

SteadyCash provides a fast, step-by-step application process that may take as little as three minutes, around the same time you can expect to wait for approval. 

Eligibility Criteria

Like other quick payday loan services, SteadyCash requires you to be a US citizen or have permanent residency, an income of over $1,000 per month, a valid driver’s license (or other state ID), and social security number. 

Summary

With a commitment to fairness under the Online Lenders Alliance, SteadyCash can assist borrowers who have poor credit histories to obtain medium-sized loans. 

>>Check out the best deals for SteadyCash.net 

13. Brigit – Best for Micro-Loans 

Pros

  • It helps you build credit 
  • No credit checks
  • Offers a helpful mobile app 

Cons 

  • You do not have control over the money or repayments 

APR & Amount

You can borrow up to $250 with Brigit, and the APR varies by lending partner. 

Overview

Brigit is a convenient loan repayment tool that helps you build better credit scores, bridging the gaps you may struggle with by loan advance. 

Why Brigit Stands Out

Brigit is unique in that it offers loan installment loans of up to $250 each. It is essentially a loan service for loans. 

This way, you can improve your payment history while quickly paying back Brigit itself, improving your credit score for the future. They also partner with over 6,000 financial institutions, so you’ll likely be covered. 

How to Apply

All you have to do is download the Brigit app, register, and connect your bank account. 

Eligibility Criteria

Brigit only requires you to be over 18 and have an active bank account and Brigit account. 

Summary

Brigit helps you to bridge gaps between loan repayments, improving your financial status for the future. 

>>Check the best prices for Brigit 

What Are Quick Loans Online?

Quick loans allow you to apply for loans in the comfort of your home and receive an answer and deposit within 24 hours. 

They’re meant to cover expenses until the next payday, which are often emergencies. 

Quick personal loans help you to keep your head above water while you wait for your next paycheck. 

They’re a common way to deal with emergencies or simply regular bills if you’re struggling to keep up at this time. 

How Do Quick Personal Loans Work?

Many providers of the best quick loans online are not direct lenders. Instead, they trawl through an index and choose lenders that could make a quick buck. Quick personal loans work by matching your personal details with a like-minded lender. 

Advantages of Quick Loans Online

Why do customers choose quick loans online? Among the reasons are greater flexibility and privacy, as well as fewer restrictions on who can borrow. Other benefits include;

Faster Loan Approval Process

Instead of waiting for days to learn whether your loan was approved or not, you may know the answer within minutes from the best fast cash loan services like Viva Payday Loans

This advantage is even more critical when you must immediately deal with the expense at hand, such as a vet bill. 

Minimal Qualifications

Most services that offer quick loans only require basic qualifications. Being at least 18 years of age, having a valid ID, a bank account, and at least permanent residency in the US is often all you’ll need. 

Flexible Cash Loan Funding

Flexibility in aspects such as payment terms means that other financial bumps in the road don’t have to get in the way of you repaying your loan on time. 

Faster Credit Check — Or None at All

The best quick loans online won’t run any credit check, protecting your privacy and ensuring access to people with bad or no credit history. 

Millions of people do not use credit cards, preferring to use cash, debit cards, or cheques to avoid paying interest. This makes them more accessible to people on lower incomes, too. 

Automatic Access to Loan Proceeds

Not only can you receive approval for your loan within minutes, but the best payday loan services will deposit the money into your account within 24 hours. 

It may take time due to bank processing times, but a few hours beats days or weeks. 

>>Check the best offerings on our top pick, Viva Payday Loans 

How Do I Choose the Best Fast Cash Loans for Me?

To identify the most suitable fast loan for your needs, consider the factors that hold the most significance for you. While some borrowers prioritize speedy funding, others weigh in the lowest personal loan interest rate, potential fees, minimum credit score requirements, and the quality of customer service provided by the lender. 

Ensure you can select a suitable term length and that your loan’s intended purpose aligns with the lender’s policies.

Our guide on the best quick loans online can also help as we provide a convenient platform for comparing multiple lenders in one place. This will enable you to efficiently evaluate their benefits and limitations. 

Additionally, reading individual reviews of potential lenders is essential for making well-informed decisions. 

How To Get a Fast Personal Loan

When you need quick access to funds for various expenses, a fast personal loan can be a viable solution. To secure the loan efficiently and ensure you get the best terms, follow these steps:

  • Gather Documentation: Lenders typically require proof of identity, such as a government-issued ID or driver’s license, proof of income, like pay stubs or tax returns, and proof of address, such as a utility bill or lease agreement. Having these documents readily available will streamline the application process.
  • Calculate Estimated Payments: Various online loan calculators can assist you in determining the potential costs and how they fit into your budget. This step will help you understand your repayment obligations and choose a loan that aligns with your financial capacity.
  • Pre-Qualify and Compare Loans: Pre-qualification involves a soft credit check that won’t impact your credit score. It allows you to gauge the loan offers you are likely to receive without fully committing to the application process. Compare the loan terms, interest rates, fees, and repayment terms from different lenders to find the most favorable option for your needs.
  • Apply: After comparing loan offers, apply for the fast personal loan with your chosen lender. Most offer quick and straightforward online applications. Provide required information and documentation. Some lenders offer instant approvals, while others may take a few business days. Once approved, review the loan agreement before accepting the terms and receiving the funds.

Remember, obtaining a fast personal loan requires responsible financial planning and understanding the terms of the loan. Only borrow what you can comfortably repay, and avoid taking on excessive debt. By following these steps and exercising caution, you can secure a fast personal loan that meets your immediate financial needs.

Alternatives to Personal Loans for Quick Cash

When in need of quick cash, personal loans might seem like an attractive option. Plus, their high interest rates can make them less appealing to some borrowers. Below we discuss some alternative avenues for obtaining quick funds that offer more favorable terms.

Credit Unions for Bad Credit

Credit unions are member-only, for-profit institutions that can give you loans even if you have poor credit. 

Some may even offer credit-building accounts, allowing you to repay a small loan that the union reports to a credit bureau to lift your score. These institutions are similar to banks, so they may still check your credit score. 

Credit Cards Cash Advances

Cash advances for credit cards are another type of service where you can get immediate loans charged against your credit card. There’s no need for approval or time spent doing paperwork, but they can be expensive. 

Borrow from Friends or Family

Reach out to friends or family members who may be willing to lend you the money you need. Be sure to communicate openly about repayment terms to avoid any misunderstandings.

Advance Salary from Employer

If your employer has a policy for advance salary, you can inquire about getting a portion of your next paycheck in advance to cover your immediate expenses. 

That said, you may also consider taking up temporary gigs or freelance work to earn extra cash quickly. Many online platforms offer various opportunities for individuals with different skills.

>>Check the best prices for Viva Payday Loans

What To Avoid When Getting the Best Quick Loans

Quick personal loans are designed with emergencies in mind, but here are common pitfalls that can get you into even stickier situations. 

Not Reading the Loan Terms

Loan terms outline information such as how lenders use your information, legal responsibilities, and potential consequences of missed payments. Skipping them may mean you miss out on an alternative with more favorable terms. 

Borrowing From Unlicensed Lenders

An unlicensed lender may be trying to avoid consequences for dishonest practices or be too resource-poor to afford it themselves. 

Even if it’s just because of licensing fees, don’t trust companies with your money if they can’t afford a basic expense of their own. 

Making Late Payments

Late payments not only often result in additional fees, but they can have serious legal or financial consequences. 

Overdraft fees can close your bank account, and lenders can even sue you, report you to the credit bureaus (leading to a worsened credit score), or even have your wages garnished or property seized. 

Getting Trapped in the Debt Cycle

Remember to budget repayments so that they more than cover the monthly interest on your loan so that you can get out of debt faster. 

Due to the interest rates, it’s also important to only use payday loan services when absolutely necessary. 

Failure To Consider Other Less Costly Loans Options

While it may be tempting to apply for the first loan service you find to save as much time as possible, you may run into higher fees and interest rates. 

That’s why we’ve compiled a list of the best, so you can quickly search for the lowest charges to enjoy peace of mind sooner. 

>>Check the best offerings on Viva Payday Loans

Best Quick Loans Online – Our Selection Criteria

How did we determine the top providers of the best quick loans online? Total cost, integrity, and convenience are all key factors. We also considered the following factors.

APRs

Services that offer quick personal loans typically come with high interest rates due to the higher risk when lending to often lower-income borrowers. Some may even reach 300-700%! Our favorites start as low as 5.99%, which is similar to regular interest rates. 

Repayment Terms

We understand that you’ll have other everyday expenses besides repaying your loan. Therefore, you may need longer than your next payday. That’s why we chose quick payday loan services with up to 72 months of repayment periods. 

Ease of Use

The last thing you need when an emergency has you stressed out of your mind is a complicated application. Some quick payday loan services we’ve listed here take as little as two minutes, so you can get back to dealing with other immediate matters. 

Transparency

The last thing you need is to find nasty surprises, such as hidden fees, after receiving your loan. We prioritized services with readily available, easy-to-understand terms and conditions, including fees. 

FAQs About the Best Quick Loans

What are prospective borrowers asking about how to find the best quick loans online? Here are some common questions you may still have. 

Are Quick Personal Loans No Credit Check?

Some of the best quick loans offer no credit check loans

Credit checks may make you feel like it’s invasive, and mistakes you made years ago may still negatively affect you. However, some lending partners will run credit checks. 

How Can I Borrow $100 Instantly?

The companies we describe in this article can take a few hours to send you the money, but Funds-Now is the fastest service besides Brigit

What Fast Cash Advance App Works Instantly?

While all services here can send you your loan in under 24 hours, Brigit and Funds-Now appear to be the most instant. 

How Much of a Loan Can Someone With No Credit Get?

Some of the best services for quick personal loans accommodate people with no credit history, such as Viva Payday Loans. Here, you can receive up to $5,000 per loan. 

Viva Payday Loans and SmartAdvances are examples of payday loan services that don’t perform hard credit checks. 

Additionally, cash advance credit cards are an alternative to the best quick loans, with no paperwork or approval required. 

Get the Best Quick Loans Online – Final Word

Life happens, and the need for quick loans can happen to anyone. Medical expenses, vet bills, natural disasters, car repairs (or the need for a replacement), or sudden business expenses are some of the reasons you may need near-instant financial assistance. 

To protect borrowers against predatory lenders, we’ve compiled the best quick payday loan services with reasonable interest rates, transparent practices, flexible terms, and often non invasive credit checks. 

The best quick loans online are from Viva Payday Loans, thanks to their lower interest rates and accessibility to welfare recipients and freelancers. 

>>Check the best prices for Viva Payday Loans