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    2021 Payday Loans USA for amounts of $100 - $1500

    We’ll find the legal way to provide you with money even if you are a resident of a state with peculiar rules and some restrictions on short-term payday cash loans.
    Though we work 100% online, we follow the legislation in each separate state. According to your needs and the laws we match you with the most suitable of our 300+ direct partners.

    States We Serve:

    Instant Smart Payday Loans Online Benefits

    Instant Smart Payday Loans online USA differ from typical cash advances by a completely online application and transactions. It’s very convenient as the benefits of online borrowing can’t be overestimated:

    It’s quick and easy
    NO hard credit check, NO Teletrack, NO faxing and paperwork
    It’s available for both good and bad credit score applicants
    You can apply online 24 / 7

    What are Smart Payday Loans USA?

    An smart payday loan, or cash advance is a type of short-term credit provided in small amounts up to $1500 for 14 – 30 days and used for any urgent expenses. It’s a suitable financial solution in case you need:

    • To pay piled bills;
    • Repair a car;
    • Redecorate a flat;
    • Get some urgent medical or dental care, etc.

    Smart Payday Loans USA differ from other cash advances by fast and easy application and money deposit. It usually takes just a few minutes to apply online and 1 – maximum 2 working days to get the funds.

    But you should remember that it’s not for free. US Lenders charge rather high interest for instant cash advance. So, it’s essential that you repay on time not to turn this financial solution into another financial problem.


    How do Smart Payday Loans work?

    To get $100 – $1000 cash within 24 hours it’s better to know how the process works in advance. Practically every lender has similar application, verification, approval, money transfer and repayment process. You take three main steps on the way to the necessary financing:

    1. Fill out a simple application form online – state the loan amount, your name, last name, e-mail.
    2. Get an instant decision form a lender ready to process your loan request.
    3. Receive the money deposited into your banking or checking account which usually takes about 1 – 2 business days depending on the time you apply and on banking working hours.

    How much do Smart Payday Loans cost?

    Any loan consists of the principal and interest plus some additional financial charges. An average APR (Annual Percentage Rate) is about 400%. It seems high if you consider long repayment period. But if you pay back on time within a month, the cost doesn’t look so terrifying. Besides the interest lenders may charge an application fee, verification fee, NSF fee, etc. It’s necessary to clear it up with the lender before signing the agreement.


    To find out an approximate cost of your Online Payday loan you can use an online calculator which will help you estimate whether you can afford this cash advance or not.

    What are the requirements to apply for a payday loan?

    You need to be employed and have a source of income. If you are self-employed then you need to have a business account and a tax number to apply for the loan.

    For anyone who is under 18, you need to get permission from your parents or guardians first.

    You should be a US resident and you need to be a permanent resident of that country.

    What do I need to apply for a payday loan?

    Driver’s license for identification.

    A checking accoun

    Some recent utility bills.

    That’s pretty much it. To apply online, you can enter some personal information to an application. You will be redirected to your bank website to login. After that you may review the terms of the loan, approve them and fill in some fields there and go back to the payday loan website again. In a couple of minutes or so you will receive an e-mail confirmation that your loan has been approved or denied with a link to take the next steps (or sometimes they give you the lender’s phone number to call)

    How much can I borrow online?

    Maximum size of the loan varies by state, for example in Alabama, borrowers can take only $350. Usually $600-700 are common sizes.


    Can spouses have separate loans?

    Yes. One person has their own payroll and will have to pay the loan on time. Spouses can also have their own accounts and take payday loans from each account.


    Do I need to be employed? Can I be retired?

    As long as you have a source of income, you can be retired to apply for a payday loan. Because the loan is a short term one, so that does not matter.


    Do I need collateral to apply for online a payday loan?

    Yes, collateral is a must for you to apply for the payday loan. Because if the US lender feels that there is not much risk for them to approve you, then they would likely decline your loan application.


    Is there any cost to apply for the loan?

    No, applying for the payday loan is free and does not involve any cost. But if you choose to accept the loan and get it approved, then you need to pay the lender fees or interest.


    How will I know if I am approved? When will I receive my funds?

    It depends on the lender. Some lenders in United States will give you an instant decision so you can get your cash right away. Others will take longer, usually a few hours or even a day or two.


    Will I need a fax machine to apply for a loan?

    No, you do not need a fax machine to apply for Online payday loan. As long as you have a computer and internet access, you can complete the application. So it does not matter if you have a fax machine or not.


    When will the payday loan be due?

    As the payday loan is short term in nature, it has a deadline. This is the date when you will need to pay back the loan. The payday loan is supposed to help you with emergency situations, so you can use it as soon as possible. You must pay back your loan on time so that you do not miss a payment. This will not only result in late payment fees but also hurt your credit score. If you cannot pay back the loan on time, then you will need to pay a fee as well. Some lenders charge more than $25 just for that.


    How and when can I pay back?

    You can pay back your payday loan online or at the lender’s office. As long as you have internet access, you can use the lender’s website to make your payment. Otherwise, you can make a payment at the lender’s office in person or by phone. It is not recommended to go and give money in cash, since there will be no proof of the transaction.


    If I pay off my loan early, how does that affect my finance charges?

    If you pay off your payday loan early, then the lender will refund part of the finance charges. The lender has to calculate when is the next time the due date comes around. That’s the date when they will subtract the interest that you have already paid from your loan. After that, they will apply any late fee if you are behind in payments.


    What if I change my mind and decide to cancel my loan?

    If you change your mind about the payday loan, then it is better to notify the lender right away. As long as you have given the lender more than two business days prior to the payment deadline, they will refund all of the money that they have charged you. The lender will get the funds from your bank account and you do not need to return any money in person. That is a very good deal if you change your mind, so make sure to ask about it in advance.


    Can I refinance my loan?

    If you have an existing loan, then you are not allowed to refinance it again. Payday lenders do not allow their borrowers to refinance their loans, because it means the lender loses out on the interest. In other words, if you refinance the loan then you will need to pay a lot more in the long term than if you just pay it off with the amount that you initially borrowed. That’s why payday lenders are wary of borrowers refinancing their loans.

    Please fill out a simple form to get your money - it takes only a few minutes.