Payday Loans
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Most lenders are strict with their money. Their goal is to ensure that they are granting credit to customers with the highest chance of repaying the debt. That’s why consumers have to go through rigorous loan approval processes. You’ll have your credit history assessed, attend loan interviews, get pre-approved, etc.  

Do you need money right now? Anything under $1000? Before your next paycheck arrives, it makes sense to borrow a small loan.

Applying does NOT affect

your FICO® credit score!

Easy payday loans are characterized by simple application processes, high rates of approval, fast funding, etc.  They are not perfect, however. Expect high-interest fees, which makes them more expensive than other credit options like cards.

Why are our payday loans easy?

Nation21Loans doesn’t originate or service payday loans. Our platform makes finding loans easier, faster, and more secure. We have established ties with many online lenders and know the states in which they are licensed, loan amounts offered, and product types. You get matched based on the requested loan amount, zip code, monthly income, etc.

Now, for a payday loan to qualify as “easy,” it has to share these properties:

1) Simple application process

One of the most attractive things about payday loans is the straightforward application process. Get started by filling our loan request form.

2) No Collateral or downpayment

For loans like mortgages, lenders want you to have “skin in the game.” That’s the reason they request down payments. Some lenders also require borrowers to secure their loans with personal assets like stocks and bonds. These are both stressful requirements.

Payday loans are unsecured. You never have to pledge your assets. Under no circumstances do you make an initial payment. There are no closing costs.

3) No credit check

You can’t visit most payday loan sites without encountering this term. It just means that the lender will pre-qualify you without ordering a hard credit check. You don’t have to sign a hard credit check authorization.

4) Fast approvals

Instant approval means that you’re pre-qualified and receive a loan offer in several minutes. Most lenders have automated loan approvals. It’s typical to get approved in less than 5 minutes.

5) Next day & same day funding

Nothing says “easy” like getting funded within 24 hours. With payday loans, you complete all the loan steps on the same day you applied. The lender then releases the funds by directly depositing them into your bank account. If your bank processes the transaction before the close of the business day, you might receive the cash by 5:00 PM.

 6) Safe & confidential

Would you want to get rejected for a loan in person? Worse still, being seen in line at a payday store. Online cash loans provide privacy and safety. Apply without ever leaving your home and receive cash straight to your bank account.

How to get a guaranteed payday loan?

Let’s hash out the term “guaranteed.” It doesn’t imply that you need someone else (a third-party) to take on the responsibility of repaying a loan on your behalf (a guarantor).

“Guaranteed approval” means that there is a high chance of getting approved up to 90% if you meet the basic requirements.

Applying does NOT affect

your FICO® credit score!

Payday Loan Main Requirements

Bank account Age Proof of income Income amount Employment Military status
Must be active for up to 60 days. You must provide the routing number & account number. Loans are only offered to legal adults. Be at least 18 years old in most states. Receive recurring income payments from your employer or distribution agency to your bank account. All income types. Be earning at least $750 monthly after all deductions. Not needed as long as you have a steady and reliable source of cash. Not available to active duty soldiers, reserve members, and their dependents.

How do guaranteed payday loans work?

Payday loans also called cash advance loans, deferred deposits loans, check advances, etc., have a simple working mechanism. You take them out days before your next payday. Immediately after receiving cash, you pay back the initial principal amount and finance charge.

One lump payment is mandated, but some lenders offer extended repayment plans for struggling customers. Others roll-over the loan’s principal (not recommended) or allow you to renew the loan.

  • What advantages are there for instant loans?
  • Standard cooling off period of up to 48 to 72 hours. It allows you to return the principal without incurring interest fees.
  • Easy and less-rigorous application process.
  • Instant loans are well-suited for emergencies and might be better than asking for salary advances or borrowing from friends or family.
  • Pre-qualification is offered without hard credit checks.

What disadvantages are there?

  • Prone to misuse: Despite being expensive, some customers will borrow them for trivial uses such as purchasing clothes, electronics, etc.
  • Minimum background checks: Customers who are heavily in debt can still access them. Some borrowers juggle up to three payday loans at the same time.

Can you apply for an instant payday loan online?

Yes, and you may get started by selecting “Apply Now” from the main menu.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?