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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.

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What makes our quick cash loans so easy?

Quick payday loans same day
A quick payday loan is one of the best options for obtaining fast cash for any financial emergency. This kind of loan helps cover sudden expenses before you get your salary. It helps to avoid penalties imposed on late payments. A fast payday advance is payable with next paycheck, meaning that you’re in debt only for a couple of weeks.

Below we list main advantages of applying for cash loans over other kinds of credits.

Immediate decision from lenders

Most applications for quick payday loans get an almost instant reply in case you give all necessary details. Getting an advance is a quick and easy procedure, so you know if lender approves or rejects you fast. If approved, it takes as little as a few hours for a lender to transfer the funds, but you’ll surely get the money the latest on your next working day or within 24 hours. If lender declines the request, start searching for some other cash alternatives.

Easy procedure

All the interaction involved in obtaining quick loans takes place online. There is no need to book an appointment with an in-store loaner or call the lender for cash. You may submit an application online directly from home or office at any time of day or night. Comparing it to a traditional loan, you avoid meetings with a loan officer and save your time.

Most bank loans are provided for a certain purpose. However, with the money received from cash loans, you are free to cover any expenses you desire. This feature makes quick payday loans more helpful but riskier. Thus, use them only to cover urgent expenses.

Minimum requirements

It is quite easy to access a payday loan since you should meet basic qualifications. The underlying condition is to have a constant source of income. Your chances of finding a willing lender are high as long as you present proof of a verifiable income. Besides, you should hold an active bank account as a permanent resident in your state and be above 18 years to get a payday advance. Collateral is not mandatory to obtain quick cash loans.

Conventional lenders may ask for your credit report when applying for a loan. So, you won’t be able to qualify for a traditional bank loan having a poor credit rating. Conversely, you have high chances of getting an unsecured bad credit loan as long as you prove the ability to repay it right away. Online lenders might check your credit, but that will be a soft credit check that doesn’t affect the credit rating at all. Nevertheless, the online lender makes its final decision based on current situation of the borrower. Having past financial mistakes does not limit you from accessing quick financial help when needed.

Qualify for greater amounts

Payday lenders limit the sum a new borrower might get. They allow accessing a sum under your salary range. Your subsequent applications may be increased after paying off the first payday loan on time. For instance, by paying back timely a $500 loan, the lender may raise loan limit to $1,000 gradually, in accordance with lending policy and your income.

The minimum and maximum loan amounts are regulated by the laws of each state. Your lender will notify on the sum you can obtain during the process. Always pay back any loan promptly, thus get a quick solution to future financial emergencies.

Credit score is protected

The short repayment period for a fast cash loan could seem like a limitation, yet it’s a way to protect credit rating. Applying for an installment loan normally requires one or two years to return it. Within this period of time, you could lose job or enter in some other force majeure situation. In this case, you may miss some installments considering that you don’t have any alternative source of income.

With quick payday loans this term is only 2 weeks, until your next payday. Provided you have asked for a sum of money that corresponds to income, you won’t feel burdened when the repayment day comes.

Why Choose Same Day Loans

Widest Lender Network

We work with a broad range of direct lenders. Thus you will definitely pick up a proper loan offer at good rates. The application is free.

Safe & Secure

We protect your personal data with high-level encryption technology and never share it with shady lenders.

Quick Decision

No need to wait in lines and send piles of documents. Submit our easy and quick form, and get the instant loan decision in minutes.

Quick Money Transfer

If approved for quick loans, get your cash in 24 hours or on next business day. The cash loan is deposited to your bank account.



Application is completely free of charge.

Responsible Borrowing & Legal Implications to Consider

We remind you that SDL365 promotes a policy of Responsible Borrowing and Responsible Use of Loans. Note that loans 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 do not repay your loan timely, the lender has every right to charge you late fees until you have covered the full amount of debt. Please read the following information to learn the results of irresponsible borrowing.

Representative APR Range

There are multiple factors when it comes to how much interest borrower is going to pay. APRs vary subject to lender’s requirements, your credit and 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 the amount is paid in full. Make a point of paying back the loan 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 amount you take out, including being charged multiple fees until you do so. Customers who never repay the money will be indebted.

Collection Practices

The laws regarding collection practices for debt vary depending on your location. Most lenders do 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. Yet, please check lender’s terms and conditions for information about collection practices.

Impact on Credit Score

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

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