Best Online Payday Loans: Top 5 Payday Loan Lenders For Speedy Cash In 2022

You might have your salary or other sources of income that bring you good cash. However, there may be times when rent, car, medical bills, and many more ambush you. Despite having money in your account, it can take time to access. However, thanks to online payday loans, you can get cash fast.

Typically, online payday loans are short-term loans payable within a few days. Statistically, millions of Americans prefer online payday loans over bank loans because they are easier and quicker to access. Moreover, they are a source of reliable funds for minor personal or business money emergencies.

Usually, online payday loans are given to borrowers by individual lenders and not banks. The lender requires the borrower to complete a mandatory online application by providing information about themselves. The money is then credited to the borrower’s account 24 hours after application.

However, not all online payday loan lenders are genuine. While some will charge high-interest rates, others will be adamant about giving huge loans, especially if you have a poor credit score. Moreover, some lenders ask you to pay a security fee before processing your application. Many of them are scammers who will rob you of your money. So, finding the best online payday loan lenders can be difficult.

Therefore, when you need quick loans from online payday loan lenders, the first thing to do is find the best one. You can get recommendations from friends you trust or read customer reviews from various lenders. Furthermore, the internet is full of informative articles which try to list the best online payday loans. Although you can find such information online, not all articles have factual information.

Since we understand the challenges, we provide truthful information about the best online payday loans with a list of the top ones.

The Best Payday LoansOnline : Review

  1. MoneyMutual – Overall Best Payday Loans On The Market; Editor’s Choice
  2. FundsJoy – Reputed Direct Lenders For Same Day; Guaranteed Approval
  3. RadCred – Best Online Payday Loan Lender For Quick Cash Funding
  4. BadCreditLoans – Reputed Loan Company For Bad Credit Loan Loan With Poor Credit
  5. CashUSA – Recommended Lenders For Cash Advance & Instant Cash

#1 MoneyMutual – Overall Best Payday Loans On The Market; Editor’s Choice

MoneyMutual is the best online payday loan company that connects you with genuine potential lenders. The company is not a lender and is not involved in the lending process. Instead, it connects anyone in need of quick cash with reliable sources.

MoneyMutual was founded in 2010 and is based in Las Vegas. The company realized finding loan sources can be time-consuming, frustrating, and confusing. In response, it decided to help thousands of Americans get quick, secure, and simple money lending sources.

The company has established a vast network of lenders willing to offer loans up to $ 5,000. If you need a loan, the application process is hassle-free and fast. It requires you to fill out a secure and straightforward MoneyMutual online form. After that, it finds you a potential lender who will review your information. If you meet the lender’s requirements, they will deposit the money into your account less than 24 hours after application.

MoneyMutual charges you nothing for the application services. So, you can get a variety of loan packages, including payday loans, equity loans, title loans, and installment loans, in a cost-free process.


Simple Website: MoneyMutual offers its services through its website, which is simple to use and secure. So, even if it is your first time, you will need little time navigating through the website while applying for your loans. Furthermore, they explain everything from the start to when they link you with a perfect lender.

Fund Transfer: MoneyMutual understands that payday loans are mainly required for emergency purposes. So, the company makes sure you get a loan in two quick and straightforward steps. First, you fill out their online form, which takes less than five minutes. Next, you are connected with a lender who will process and fund you within 24 hours.

Customer Satisfaction: A company that does not insist on 100% customer satisfaction can not be helpful; hence MoneyMutual is established by that virtue. It is proud to have served more than two million happy customers. Clients recommend the company to anyone in need of reliable money lending services. In addition, apart from payday loans, customers can get other loans such as title loans, bad credit loans, and installment loans.

Loan Limits: Unlike other online money lenders, MoneyMutual ensures customers get enough money. It has more than 60 lenders in its network who can address different customer needs. The lenders have the potential to provide loans of as low as $200 and as high as $5,000.


  • No hidden or additional fee
  • Easy to use website
  • Reliable and credible
  • Vast network of more than 60 lenders
  • Safe and secure
  • Quick application process
  • Multiple loan packages
  • High loan limits


  • Offers services for only US residents
  • Does not show negative customer reviews on their website

=> click here to visit the official website of MoneyMutual

#2 FundsJoy – Reputed Direct Lenders For Same Day; Guaranteed Approval

Ever wanted to get a loan with minimal requirements and in a short time? If so, then FundsJoy is for you. The company is a leading online payday loans lender with vast industry knowledge. It finds and allocates dependable sources of money to anyone in need.

The site has made loan applications from the start to the end quick and straightforward. If you wish to secure a loan, you must fill in a form with relevant questions. The completion and submission of the loan form happens on the FundsJoy online system, which also relieves the burden and cost of paperwork.

When applying for a loan through FundsJoy, you do not have to worry about your bad credit score. The organization is non-bias; thus, its services are accessible to everyone regardless of their credit score history.

All loans from FundsJoy take a few minutes to get processed and approved. Although the company is not an actual money lender, it works with many reputable money lenders. Each lender has its loan rates and repayment times. However, one common thing about all lenders is that they have reasonable interest rates and loan repayment periods.

Furthermore, FundsJoy does not charge you anything. You check your loan limits and eligibility and get the loan without incurring additional costs. Moreover, you can cancel your application for free if you change your mind.


Valuable Information: Even if you are a newbie, you can get FundsJoy loans. The company provides every detail about the lending industry to the customers. Before getting a loan, you can visit the FundsJoy website and learn about good borrowing habits. That way, you will be able to make informed decisions on the amount you can borrow and repay.

Fast and Straightforward Lending Process: Unlike its competitors, FundsJoy does not wait for actions but creates them. It is a time-conscious site; thus, it will do its best to provide sustainable loans within the shortest time possible. They have sampled and established a good rapport with the most experienced lenders in the industry to achieve such goals.

Marketing Approaches: Repetitive and consistent marketing practices create public awareness. FundsJoy uses this initiative to ensure everyone, even in remote areas, is aware of where they can get quick and fast loans. They use practical communication tools such as newsletters, email, phone calls, SMS texts, and other promotional tools to reach out to everyone.

Privacy: Your privacy is safe with FundsJoy. The company handles its users’ data safely and carefully. You can confidently share personal information such as your employment details, contact details, military status, bank accounts, etc. However, at no point does FundsJoy ask for information such as your bank account password.


  • Smooth application process
  • Simple terms and conditions
  • Easy to use website
  • Loan limits as low as $200 and as high as $5000
  • Friendly customer care services
  • Safe


  • Higher interest rates than competitors
  • Not available in all US states

=> click here to visit the official website of FundsJoy

#3 RadCred – Best Online Payday Loan Lender For Quick Cash Funding

You can connect with RadCred for easy and convenient access to reliable loans. The company forms an extensive network of lenders willing to offer borrowers loans from $1,000 to $35,000. So, whether you are looking for payday loans, credit loans, debt loans, home loans, or student loans, you can get them at the convenience of your office, home, or mobile phone. In addition, you can get a line of credit apart from traditional loans.

The RadCred website is well designed to make it easy for borrowers and lenders to connect. Although RadCred does not provide loans, they use the website to connect loan borrowers seeking hassle-free, fast, and reliable loan sources. Interestingly, you get all the services free of charge.

Furthermore, by using RadCred, you get the money you need quickly, in less than one business day. The repayment time for the loans ranges from 90 days to 72 months. Therefore, you will have sufficient time to raise funds and repay regardless of which loan type you ask. For instance, if you ask for short-term loans such as installment loans, you will have six months to repay, which is enough time.

If you are interested in Radcred financial services, you can reach them via their website. There is an easy-to-fill and secure form on the website’s first page that you need to fill in. The information you share is kept safe and secure, whereby only interested lenders in the RadCred network are allowed to review it. Consequently, if you are approved for any loan, you get it as soon as on the same business day.


An extensive network of lenders: RadCred ensures users don’t run short of options. The institution collaborates with numerous lenders who are ever willing to provide loans as long as you meet their criteria. Further, if you are unlucky to get a loan offer from the lenders, RadCred connects you with trustworthy third-party lenders who can still offer you the loans you need.

Loan repayment period: Unlike competitors, RadCred provides flexible and sufficient payment timeframes. You have 90 days to 72 months to repay your loan, depending on the loan type. For instance, short-term loans such as installment loans are repaid within six months. Also, loan repayment frequency is flexible, including a monthly basis and after every two weeks.

Diverse loan types: You can get your desired loan type from RadCred. Whether you need installment loans, bank loans, or peer-to-peer loans, the institution connects you with a reliable direct lender. In addition, the loans offered are all-sufficient. You can obtain a more increased loan amount from $1,000 to $35,000, which is uncommon for other online lenders.

Security and privacy: RadCred assure a high degree of customer information privacy. It uses advanced security systems and approaches to ensure the information doesn’t get to unauthorized hands. In addition, they use encrypted servers and computer safeguards to prevent online hackers from accessing customer financial data.


  • High loan limits of up to $35,000
  • Information is stored in encrypted systems and secured files to ensure safety
  • Flexible repayment period
  • No hidden charges
  • Friendly customer care services
  • Accessible and transparent


  • No loan amounts below $1,000
  • Loan limit amount varies depending on personal creditworthiness

=> click here to visit the official website of RadCred

#4 BadCreditLoans – Reputed Loan Company For Bad Credit Loan Loan With Poor Credit

If you are looking for sizable online payday loans, BadCreditLoans allows you to borrow up to $10,000. The company lets users connect with lenders who offer them whatever money lending service they need.

Even though BadCreditLoans does not issue money, it works with two types of lenders, including tribal and state lenders. State lenders are suitable for you if you need low rates loans. On the other hand, the tribal lenders are under federal and tribal laws; thus, they may have relatively higher rates than the latter. However, both types of lenders do not check the borrower’s credit scores. So, your poor credit history cannot prevent you from securing a loan from BadCreditLoans.

BadCreditLoans also offers a free service for connecting you with lenders. They have technology that links the users with an extensive network of financial service providers. So, you will get both lines of credit and traditional loans under one roof.

If you are not lucky to get a lender from the BadCreditLoans network, the company extends its service to show you ads for other potential lenders in the industry. In addition, they will link you with credit repair, debt relief, and other credit-related services. Because it is not part of your request, BadCreditLoans keeps your sensitive information private from other companies. It gives only your contact so that any interested lender can contact you, and you are free to accept or reject their offer.


Sustainable and Instant Loans: If you have an emergency for a significant amount of money, you can count on BadCreditLoans. They provide loan limits from $500 to $10,000, which get processed and credited into your bank account in less than 48 hours. Most importantly, apart from payday loans, you can get other loans, including auto loans, home loans, student loans, business loans, and mortgage loans.

Security and Confidentiality: BadCreditLoans guarantees their customers security and privacy. Therefore, they focus on using high-tech encryption systems to protect customer data and information. In addition, the site uses secured files and protected servers to store the data. That way, you have the assurance that your financial information is safe.

Customer Service: One of BadCreditLoans’ goals is to achieve 100% customer satisfaction. Despite a few negative reviews, the company has many customers praising it for providing friendly customer service. Their customer care team is available 24/7 to ensure customer support. In addition, they have an extensive communication network, including emails and phone calls to reach all customers’ needs.

Simple Loan Application: BadCreditLoans offers one of the simplest loan application processes in the industry. You need to be a US citizen of at least 18 years and have a bank account to be eligible. You can then visit the BadCreditLoans official website and click on “Get Started,” where you fill out their online loan application form. The next thing is patience to get the money ready and into your account.


  • No additional charges
  • A range of loan offers
  • Amateur friendly
  • Secure and fast
  • No credit score needed
  • Vast experience
  • Extensive network of reputable lenders
  • Customer support


  • Different rates and fees involving varying lenders
  • Some may not qualify for loans according to lender requirements

=> click here to visit the official website of BadCreditLoans

#5 CashUSA – Recommended Lenders For Cash Advance & Instant Cash

CashUSA is America’s best online payday loan provider. Since the company does not offer loans, it brings together other trusted and genuine third-party money lenders who provide loans to borrowers. Therefore, you apply for your loan via the CashUSA website by filling out a simple online form. After that, the company connects with the lenders in its network to review your information and decide if they will offer you a loan.

Apart from connecting borrowers with money lenders, CashUSA also educates users on financial matters. They partner with the users on their website, where they provide informational articles on financial topics such as credit scores, student loans, budget planning, and more.

All CashUSA terms and conditions are clear and straightforward. Before applying for a loan, you should familiarize yourself with all applicable terms on their website.

Furthermore, the company encourages users to understand the interest rates offered by various lenders in their network to avoid confusion. The rates and repayments period may differ from one lender to another. However, all the lenders from CashUSA will offer sufficient repayment periods, such as 90 days to 72 months, based on the type of loan.

CashUSA is also suitable for all emergency money needs and will process your application and lend you money within 24 hours. What is more, the company has an easy loan repayment method through its electronic system.


Simple Requirements: CashUSA online application form is easy to fill out. The requirements in the document are basic for everyone to meet. For instance, you must be 18 years and a permanent US resident. In addition, you need to have a minimum of $1,000 monthly earnings, a valid phone number, email address, and a checking account under your name. As you can see, CashUSA does not require your credit score hence making the requirements simple.

Educational Resources: Knowledge is power, and when it comes to money borrowing, it is essential to have the proper knowledge of practicing healthy borrowing habits. For that reason, CashUSA provides educational resources about financial topics on its website. Further, the company has a supportive customer care team that offers professional financial advice.

Fast and Convenient: You can request your desired loan through the CashUSA easy-to-use official website. Once they receive your application, they review it, and if a lender approves, you get the money within 24 hours. Furthermore, some of the lenders will be willing to provide a line of credit in addition to traditional loans.

Secure: CashUSA is a legal and secure organization. The company keeps the information you share with them privately and confidentially. It uses encrypted systems, files, and servers to store information so that no one can access your data.


  • Fast loan application process
  • No credit history requirements
  • Preserves customers privacy
  • Variety of reputable loan lenders
  • Educates customers on financial matters
  • Round the clock customer services


  • No mobile app
  • No loans below $500

=> click here to visit the official website of CashUSA

How We Made This List For Payday Lenders

Getting a loan is not easy, especially if you have a poor credit score; however, there are online payday loans that are easy to access. What becomes the challenge primarily to newbies is finding the most genuine online lenders. While some companies are too complicated to understand, others are nothing more than fraudsters.

So, we decided to sacrifice a couple of hours doing thorough and rigorous research to develop the best lenders in the industry. At first, we compiled tens of online payday loan lenders and weighed them according to factors such as ARPs, cash transfers, and user policies. As a result, selected lenders with friendly user policies, low APRs, and quick money transfers.

What We Looked For

The main factors we considered to find the five best online payday loans lenders are as follows:

  • Company Reputation: When dealing with online money lenders, it is good to know that there are genuine lenders and scammers. Therefore, we wanted only reliable and scam-free companies. So, we used vital parameters, including company setup and legal certification, to assess the company’s reputation. As a result, we choose accredited and authorized companies by trusted organizations such as Online Lenders Alliance(OLA).
  • Transparency: Some online money lenders have hidden rules that you will only know about once you violate one. Such companies will take advantage of anyone going against those hidden terms and charge them. However, some companies are trustworthy and honest. They ensure all their terms and conditions are transparent. So, we searched for those companies by checking if they have their terms and conditions well explained on their website and anywhere else visible to customers.
  • Flexibility: Applying for loans is a lengthy and tiresome process. Of course, the lender needs to be assured that they will get their money back on time. Some lenders will be adamant about offering you a loan if you have a poor credit score or other loans. Since we know it is not that easy to get loans, we mainly consider if the companies are flexible enough in their service delivery. We assessed if the lender could provide a loan without minding your credit score status.
  • Customer Feedback: If a company cannot please its customers, it is not helpful. Customers honestly review a company’s services. If they do not get 100%, they will rate the company poorly. So, we considered online payday loans that have positive feedback from customers. If you choose one of these money lenders, you will have a positive experience.

Essential Factors to Consider When Choosing Online Payday Loans

It is not easy to get the best online payday loan lenders that will not consider credit score history and offer instant loans. Due to increasing options on the market, the competition is stiff. As a result, every company is working tirelessly to advertise itself as the best even though it has no value to the borrowers. So, it is reasonable to know how to differentiate between the reliable and unreliable loan lenders you find online.

The following factors are equally essential to keep in mind when you need loan offers. By considering these factors, you will be able to evade scammers in the industry who are ever ready to confuse borrowers.

  • Transparency

It is common for some new businesses to ride on reputable names while advertising their services and products to entice customers. As a result, it is easy for those businesses to fraud people by misusing their financial information. So, it is important not to dwell on the fancy outlook of the company. Instead, you need to evaluate its setup to determine if its methods of operation are transparent.

A company that is not open about its services is likely to have hidden charges that may cost you later. Therefore, you should go for a company that comes out openly to explain its methods of operation even if it offers loans at high rates.

  • Application Process

Online payday loans are primarily provided through the internet. That way, there is little paperwork as you will be required to fill out online forms on the company’s website. The application process should not include hard and many questions making it lengthy. Instead, it should contain direct and precise questions to enable a smooth and fast application process.

Further, once the company receives your information, processing your loan should not take long. Most reputable companies usually take one to two business days to issue loans. So, since payday loans are taken for emergency reasons, you should choose a company that speeds up the funding time.

  • Terms and Conditions

Terms and conditions set by online payday loan lenders vary from one lender to another. Of course, you should be aware that most sites don’t offer loans by themselves but connect borrowers and actual lenders. Besides that, you should read and understand all other conditions in a company before choosing.

Perhaps you have heard of many people who lost their funds while dealing with some companies they knew nothing about. Even genuine lenders won’t tolerate anyone who violates their terms and conditions on the excuse of not knowing. That is ignorance, and you can be charged for it.

So, always take your time to learn about its terms, including rates, repayment periods, and application fees. Further, you need to know the repercussions set by the company for anyone who breaks their rules.

  • Privacy and Security

It is a must that you will share your essential information while applying for online payday loans. Hence, it is crucial to select a company that assures you to protect your information.

Consider if a company uses safety measures such as encrypted systems, closed files, and computer safeguards to store its data if you want to know which one is secure. In addition, if a company doesn’t adhere to rules regarding safety, consider it unworthy and choose another business.

FAQs Regarding Online Payday Loans

  1. What are online payday loans?

Online payday loans are short-term financial products that are repaid within a few weeks. However, in some cases, one is allowed to repay in installments. Therefore, the repayment period can vary depending on the type of payday loan and the lender’s terms. Usually, payday loans are emergency funds offered by private lenders and not banks. But like bank loans, there are interest rates attached to payday loans. Moreover, other loan conditions such as penalties apply on payday loans, just like in other loan types.

  1. How does one apply for online payday loans?

Unlike other types of loans, online payday loans are straightforward to apply. In addition, lenders are willing to issue loans by making the requirements easy for everyone to meet. For instance, you must be a US citizen of 18 years and have a checking account. Further, you need to have valid contact details such as phone number and email address. You can secure a loan as long as you meet such requirements, although they can vary depending on the type of lender. First, you need to open an account and fill out an online loan form on your most preferable lending site. After that, the lending site must connect you with a reliable lender who will offer you the loan amount you are looking for.

  1. Can you get online payday loans with poor credit history?

A poor credit score does not determine the eligibility for online payday loans compared to personal bank loans. So, companies offering payday loans are not as stringent as other loan lenders, and thus they do not emphasize your credit history status. Therefore, you can get payday loan approval with or without poor credit ratings. The loans are suitable for applicants who have struggled to secure conventional loans from other institutions without any success.

  1. How much money can one get from online payday loans?

The number of online payday loans you can borrow will range from hundreds to thousands of dollars. So, every online lending company has its lending capacity in which it can not go below or above the set limits. However, that does not mean you can get the highest amount of loan offered by a given company. Instead, the company decides on the amount of loan to provide depending on your proof of income.

  1. How long do I have to wait to get the money from a payday loan?

Waiting periods may differ between online payday loan companies. However, these loans are usually issued within a short time. Most companies give your loan 24 hours after your application. It makes online payday loans efficient and convenient when you need cash fast. It is good to check the information when choosing an online payday loan provider. That way, when you apply for the loan, you will know exactly how long you will wait to receive the money in your bank account.

  1. What are the benefits of online payday loans?

The main benefit of online payday loans is that they are a quick source of emergency funds. You request the loans to pay unexpected bills to prevent termination of utility services or pay for urgent school fees that can land your child or yourself from taking final exams. In addition, online payday loans are advantageous over personal bank loans because their requirements are simple and easy to meet. While other types of loans require clean credit history, the payday loans do not. You can secure an online payday loan when you have a bad credit history.

  1. Are online payday loans legal and safe?

While we were making the list of the top 5 best online payday loans lenders, the security and legality of the lenders were one of our top criteria for selection. So, it is true – online payday loans are safe and legal. However, not all companies that offer loans are safe and legal. Only legal companies have valid licenses that permit them to operate in a given state. On the other hand, a safe company guarantees security for the customer information. Further, they have clear terms and conditions that explain all company’s operations without hiding anything.

  1. Is there a difference between online payday loans and personal loans?

Yes, payday loans are different from personal loans in that the latter is a quick source of emergency funds. Unlike personal loans, you can borrow payday loans, less than $1,000, even if you have a bad credit score. Personal loans take a long time to transfer funds, and you cannot get the loan without a clean credit score. Further, payday loans are expensive because the companies impose high-interest rates to cover the risk involved. In the case of personal loans, they are a good source of less costly small loans.

  1. What are the best alternatives for online payday loans?

As long as we insist on online payday loans as the best source of quick cash, not everyone is capable of accessing them. But, there are other competing options where you can quickly get the fast cash. For example, you can consider bad credit loans, payday alternative loans, peer-to-peer loans, and low-interest credit cards. In addition, you can ask your friends and family members to lend you a soft loan if they can.

Conclusion: Top Payday Loans To Get Cash Advance

Online payday loans are the best option to address your urgent financial needs. The loans are easily accessible, and they do not require hard-to-meet restrictions. You can secure a substantial amount of money even with a bad credit score.

Therefore, a significant number of Americans depend on payday loans. However, finding the best online payday loans lender is not easy since the industry is full of scammers. So, you need to avoid fraudsters by choosing the best financial institutions.

Thankfully, this article has briefly covered the best online payday loan lenders. If you need loans at flexible repayment terms, FundJoy and MoneyMutual have you covered. Also, for reliable and sufficient loans, you can choose Personal Loans, BadCreditLoans or CashUSA. However, all the companies are equally reliable, secure, and dependable sources of quick funds.

However, before choosing a perfect company, you need to consider some factors such as application process, transparency, privacy, and security. Also, you should familiarize yourself with the terms and conditions of each financial institution. That way, you will be able to settle with the best online payday loans lender that values and understands your financial needs.

The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. does not accept liability for any loss or damages caused by the use of any products, nor do we endorse any products posted in our Marketplace.