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We Support Responsible Use of Payday Loans

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The APR on short term online loans varies from 40% to 2,290% depending on lender and how the interest rate is calculated, the duration and amount of loan, late and non-payment fees, and other possible fees and factors.

When You Need It Most

Our website is open 24/7, 365 days. We make online loans fast despite good or bad credit. Lenders inform about approval on the same day you apply.

No Obligations or Fees

Request a loan through our service at no cost. Review the offer before accepting it. If you don’t agree with terms, cancel the loan offer for free.

Responsible Lending & Borrowing

We offer true information about online payday loans to help you make sound decisions. No dirty tricks! Say YES to responsible borrowing and lending.

Data Privacy and Security

We protect customers info with advanced encryption technology, keeping your personal information completely secure and private.

Same Day Reply Loans

Same day loans are small money amounts, lent until next paycheck to people who face emergency expenses and need money urgently. After filling in the application, the client receives lender’s decision on the same day in less than one hour. Though, the loan itself is credited to the bank account within one business day since approval.

Why would you need a cash loan?

Recent statistics tell that fewer than half of Americans have more than $1,000 in savings to cover emergencies. When sudden expenses arise, the impact may be fatal. A single financial crisis can create ripples that spread through a family budget and can take years to recover from.

For example, in most parts of U.S., public transport systems are weak for working people. If a car breaks, that can mean much time away from work. Without the money to get the car fixed, you can’t go to work, and without work, it’s impossible to fix the car! This vicious cycle can result in many months of troubles, and it might be tough to restore. But this doesn’t have to be the case for anyone!.

Online cash advance is a quick solution that more people are using, to cope with financial issues. Obtaining emergency cash loans, is a rather simple task, even you think it may be challenging. The basic point is being responsible and using this option only in urgent cases, as payday advances are costly.

What should you better use small payday loans for?

Use small cash advances for almost anything because most services don’t ask what you want the cash advance for. Unlike banks, they don’t delve into personal life and motivations before deciding whether you’re worthy for a quick money loan. Although, we advice using cash loans only in critical cases as:

Use Payday Loans For:

  • Urgent car repairs.
  • Lost wages from an illness or injury.
  • Unexpected medical bills.
  • Emergency travel costs, like traveling to a funeral or a seriously ill relative.
  • Expenses needed for starting a new job, like new clothing or a transit pass.
  • Christmas or birthday gifts for special people and family.
  • Paying a security deposit on a new flat or rental home.
  • Paying a bill that’s surprisingly large (like an electric bill that suddenly spiked up by a large amount).
  • Covering a paycheck gap; i.e., if a bill will be past-due before your paycheck arrives, the fees from an online cash advance might be lower than the late fee from bill.
  • Paying to move to a new home.

Don’t Use Payday Loans For:

  • Investment in a business (for this purpose business loans exist!);
  • Traveling for fun;
  • Going to parties / restaurants / entertainment;
  • Buying new gadgets, kitchen supplies (this stuff can wait until better times);
  • Unnecessary gifts for birthdays / holidays (try to do DIY gifts in that case);
  • New clothes / shoes / jewelry / watches;
  • Home improvement (if it’s not urgent, better use unsecured personal loans);
  • GYM / Leisure memberships (use home workout routines);
  • Purchase of a car (better buy new cars with auto loans);
  • Covering other debts;
  • Any other needs / things that might really wait and are unnecessary / not urgent now!;

Same day loans application

Step 1: Decide & Apply

If your purpose for taking online loans lays within the “do’s area”, your next best step is to fill out our application form. Note that Same Day Loans is not a lender so we only match you with suitable direct lender. A key moment to consider when applying for emergency cash loans is Borrow Only Affordable Amount.

Usually, a borrower may obtain amounts ranging from $100-$200 up to $1,000 in most states. A couple of institutions may provide larger sums, but it’s rather an exception than a rule. In its essence, this type of loan is designed to deal with small financial emergencies. The main question is how much do you need and how much you can afford to repay? In case of non-repayment of loan you may have high fees, therefore get in a debt trap. This is why we strongly advise taking just moderate amount of online loans.

While filling out the form, write all needed details as clearly as possible. Keep in mind: the more specific you are, the more chances you get to ensure approval.
The basic things to prepare while writing down the loan application are:

  • Your ID
  • Proof of address
  • Your bank account number
  • Your bank account number (showing how much and often you receive income).

The main advantages of online application through Same Day Loans 365 are:

  • No much paperwork is involved;
  • Free of charge. Avoid lenders and loan matching services that ask upfront fees.
  • The contact is done via phone, e-mail or chat: no person-to-person interaction saves time and effort.
  • Save time. No need to adjust your schedule to go down to a physical store.

online same day loans

Step 2: Read & Sign

After submitting details, you receive a suitable payday loan offer from one of our legit direct lenders. What about credit checks? Usually, lenders may do a soft credit check to make sure borrower is not bankrupt. But this check shall not affect credit score because it doesn’t involve the 3 main credit bureaus.

The great thing about the offer is: Accept or refuse any offer at NO cost: nobody forces you to agree with anything you consider inappropriate. Prior to signing the agreement, you are not legally bound to any offers. Hence, before signing, we suggest reading the contract carefully to be aware of all the terms involved.

Check before signing the loan contract, the following aspects:

  • Interest rates;
  • The total amount owed;
  • Due date;
  • Possibilities of renewal;
  • Any additional fees;
  • Consequences of failing to repay the advance etc.

same day payday loans agreement

Step 3: Get The Money

As soon as you signed the fine print, sit back and relax. The previous step usually takes few hours after you send the form, but the last one is exciting because you receive money! As a rule, lenders send cash advance amount to bank account, which we consider the simplest, and safest option to retrieve money.

“Same day loans” are cash loans that may be processed the same day you apply. Usually, you get the funds by the next business day. So, the key meaning of same day loans expression is: a borrower gets the reply on the same day, while the account itself is credited within 24 hours.

Some payday lenders may deposit the cash loan on same day of approval. Nevertheless, this option is subject to special conditions like you should be approved, verified and have all papers signed before noon. So, one could even receive money in one single day, but this is never guaranteed.

Now you know the process of getting online payday loans – from choosing the amount and filling in the form, to receiving the money. Getting a cash advance online is a quite simple task, mainly because it demands less paperwork and least requirements. No profound document revision makes it quick and easy. However, the number one issue for payday advances is being sure that you will repay it. Otherwise, you may end up paying high fees and thus getting into debt trap.


Why Choose Same Day Loans

After reading all steps and information about payday loans, decide if that’s affordable. If your choice is positive, we encourage to apply through our service, since we do our best to make your experience satisfying. Taking out online payday loans is a serious step, so better choose a reliable partner, who can help you succeed. Read our foremost advantages below.

Quick Online Application

Our online form is headache free and easy. 5 minutes, and we connect you with legit lenders offering cash advances. We protect your information with secure encryption technology.

Same Day Processing

Once you submit the application, you get an almost instant reply from lenders as soon as within same day of request. We try to make all things fast and easy.

Always Open

Our concern is making online loans quick. Our website is open 24/7, 365 days without holidays. We can’t promise same open hours for lenders, but are always open to accept your application!

We're here for You

We help people regardless income and credit score. Broken car, medical bills? We find the right payday loans exactly for you. Request one, and we will suggest the perfect solution!



Application is completely free of charge.

Responsible Borrowing & Legal Implications to Consider

We remind that promotes a policy of Responsible Borrowing and Responsible Use of Loans. Note that payday advances are an expensive financial solution, so use them wisely.

It is very important for everyone who gets a loan to fully read over the terms and conditions before signing and submitting the contract. This contract will include the specific date when you must pay it back. If you don’t pay back your loan on time, the lender has every right to charge you late fees until you have covered the full debt amount. Please read the following information to learn the results of irresponsible borrowing.

Representative APR Range

There are multiple factors when it comes to the amount interest you are going to pay. APRs vary depending on lender’s requirements as well as on credit score and on location. For payday loans, you can pay an interest rate of anywhere from 471.7846 to 841.4532%.

Those who have fair credit might end up having to pay a higher APR than those with good credit, though it depends entirely on lender. Also, some states have laws that allow higher interest rates. Anyone who wants a loan should understand that the APR is always high.

Implications of Late Payment

Those who do not repay the loan promptly, are subject to late fees. The cost of fees vary from lender to lender, but they are quite costly. Moreover, fees accumulate each day until amount is paid in full. Make a point of repaying loan amount on due date, and you will not encounter any of these additional fees. A late payment could also have a negative effect on credit as a whole.

Financial Implications of Non-Payment

There are financial implications of not repaying the loan amount you take out, including being charged multiple fees until you do so. Those who never repay the money will be indebted.

Collection Practices

The laws regarding collection practices for debt vary depending on your location. Most lenders will not sell your debt to outside collection agencies. They will instead attempt to collect the debt by contacting you via phone, email, or even text message. Nevertheless, please check lender’s terms and conditions for information about collection practices.

Impact on Credit Score

Not paying back the amount in full, will almost certainly sustain a negative hit to your credit history. It’s fully within the lender’s rights to report your failure to one or all the major credit reporting agencies.