Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers
Apply Now

Emergency Cash Loans

Emergency Cash Loans Receive Funds in 1 Hour

Emergency cash loans can help pay for any unexpected bills or expenses that you have. You can get up to $12,500 online in as little as one hour, the same business day, or the following business day, if approved. Check your eligibility by clicking the ‘Get Started’ below, and you will receive an instant decision. We provide options for people with bad credit as well. When you need emergency cash, My Payday US is here to help.

Get Started

Need money now? Get an instant decision!

Bad credit? No Credit? No Problem

Receive your funds in 24 hours (next business day)

What is an Emergency Cash Loan?

Life is unpredictable and unexpected emergency expenses can pop up at any time.Emergency cash loans can help to keep you from falling into financial trouble.

After filling in our online request form, you’ll be connected with one of our reputable partner lenders. We can help you decide the best short-term loan options for your circumstances. If approved, after our partner’s further checks, you could receive funds in 24 hours or the next business day.

Get Started

Can I Take Out an Emergency Cash Loan With Bad Credit?

Yes, if you’re in urgent need of a loan but have bad credit, you could still be eligible with certain lenders. As if an unexpected emergency requiring urgent funds wasn’t stressful enough, many with bad credit may feel they won’t be accepted for a loan.

However, this is simply not the case. There are a number of different providers that accept those with bad credit.

My Payday US works with a number of different reputable lenders like this, who will look at factors other than your credit score when assessing a submission, including:

  • Your employment status.

  • Your income.

  • Your age.

  • The amount you have asked to borrow with them.

Get Started

What Can Emergency Cash Loans Be Used For?

Emergency cash loans can be used in a variety of different situations. Typically, they are used by those who urgently need access to temporary funds.

This can include the following circumstances:

  • To pay for medical bills.

  • To pay for rent, utility or other common bills.

  • To pay for a car repair.

These are situations that sometimes can’t be planned for. An emergency cash loan can help to provide a temporary means of finance through such circumstances. It’s important to note that you should never take out this type of loan without having a solid repayment plan.

Get Started

Can I borrow using a Payday Loan as an Emergency Cash Loan?

Yes, when looking for emergency cash options, short-term loans may be an excellent choice.

Payday loans can be wonderful for individuals who just require access to temporary money until the end of the month or their next payday. Those who are confident they will have enough money after paying back the loan might consider payday advances as a realistic alternative.

Get Started

What are the Qualification Requirements for Emergency Cash Loans?

To qualify for a loan, you must meet certain eligibility criteria. When using Onlinepayday.us, you’ll have to meet the following requirements:

  • Over 18 years of age.

  • Be a US citizen.

  • Have an active checking account to accept funds.

  • A steady income of at least $800 per month.

  • Capable of making repayments.

 Several of our lenders help people with bad credit, enabling them to obtain funding that suits their needs and credit histories.

Get Started

Why Use My Payday US to Find Emergency Cash Loans?

My Payday US is dedicated to helping borrowers find the best emergency cash loans for them. Get access to up to $1,000 in a few minutes with us.

To ensure you receive a loan with the highest integrity, we review every lender before becoming partners with My Payday US.

My Payday US is the perfect place to turn if you suddenly need funding.

Explore your lending options today!

Get Started

My Payday US is here to help you with a personal loan for bad credit! You can apply online and have same day loans or funds within 24 hours.

Company

Loan Types

Legal

© 2023 Onlinepayday.us

Important Disclosures. Please Read Carefully.

Online Payday is not a lender and does not make credit decisions. Onlinepayday.us connects interested persons with a lender from its network of approved lenders. Onlinepayday.us does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. The time to receive loan proceeds varies among lenders, and in some circumstances faxing of application materials and other documents may be required. Submitting your information online does not guarantee that you will be approved for a loan. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. This service is not available in all states. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use the service to request a loan. By using this website or services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are applying for is illegal. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. Onlinepayday.us does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to Onlinepayday.us, you are giving lenders in Onlinepayday.us’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus as well as from alternative credit bureaus such as Teletrack or DP Bureau. Onlinepayday.us receives compensation from its lenders based on advertising services. Onlinepayday.us is a free service and will never charge a fee to be connected to a lender.

Representative Example

If you borrow $5,000 and the loan has an 8% origination fee ($400), on a 48 month repayment term at a 19.25% APR, the monthly repayment will be $134.16. Total repayment will be $6,439.50. Total interest paid will be $1,039.50.

Important Information

Onlinepayday.us is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process. The lenders and lending partners we work with offer 61-day to 84-month loan terms with an APR range of 5.99% to 35.99% depending on how the APR is calculated, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. Some states cap APR and the amounts of charges for an online personal loan. Loan terms may range from 2 weeks to 84 months depending on your loan and the lender you are connected with.

Implications of Late and Non Payment

Your lender may charge you late fees as well as fees for non-sufficient funds. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature. Non-payment may involve debt collection practices as it is set by applicable law. Your lender may set late payment fees in accordance with state regulations. Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history. Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installment. You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

Scroll to Top