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When unexpected expenses hit you out of nowhere, your immediate concern might be how to get your hands on some cash. That's where online payday loans can offer the financial buoyancy you desperately need. The process is fast, the approval rates high, and often you can have money in your account within 24 hours. UnitedFinances is here to help you find the best online payday loans, guiding you through the sea of online lenders, each with their own terms and rates. Let's take a deep dive to understand what makes us stand out in providing cash loans online.

Why You Need Cash Loans Online

Life is unpredictable. Car breakdowns, medical emergencies, or sudden home repairs can happen at any time. When you're cash-strapped, online payday loans can offer a quick solution. The application is online, you get fast approval, and the money is directly deposited into your account. It’s as simple as that.

How UnitedFinances Helps You

UnitedFinances is your one-stop destination for connecting you with the most reputable online payday loan providers. We've reviewed the top players in the personal loan sector and ranked them based on loan amounts, repayment terms, interest rates, speed of funds, and eligibility requirements.

Best Online Payday Loan Companies According to UnitedFinances

Here are the companies that have received the UnitedFinances stamp of approval:

First Premier Lending: The Cream of the Crop

If you’re looking for a reliable payday loan provider, First Premier Lending comes highly recommended by UnitedFinances. They offer loans ranging from $100 to $20,000 and have an extensive network of lenders, making it easier for people with all types of credit to find a loan.



ClearViewLoans: A Friend to Those with Fair Credit

ClearViewLoans offers loans ranging from $100 to $5,000 and provides customized APRs and repayment periods. UnitedFinances appreciates the user-friendly platform and hassle-free lending process that ClearViewLoans offers.

BadCreditLoans: A Savior for Poor Credit Scores

BadCreditLoans offers loans ranging from $500 to $10,000. The platform, vetted by UnitedFinances, has no minimum credit score requirements and a swift approval process.

CashUSA: Your Go-To for Quick Cash

With CashUSA, you can secure loans between $500 and $10,000, and the APRs range from 5.99% to 35.99%. The platform offers one of the fastest funding options, often within 24 hours.

PersonalLoans: For When You Need More provides loan amounts from $1,000 to $35,000. This platform is perfect for those who need a larger loan amount, and they offer flexible repayment terms between 3 and 72 months.

What are Online Payday Loans?

Online payday loans are short-term loans that you must usually pay back by your next payday. They are for small amounts, typically up to a few hundred dollars, and come with higher interest rates. UnitedFinances can help you find a loan that suits your needs while keeping the costs in check.

From the financial perspective, there’s no real difference between cash loans and short-term loans when you try to obtain them online. This denomination has been borrowed from cases when customers get the money from their lenders directly in cash, but in the past twenty years it came to signify just about any fast loan you can access.

When it comes to the source of the loan, we differentiate between three types of cash loans, with some characteristics being universal to all lenders. Before mentioning them and explaining them in detail, here are the features that stay unchanged, irrespective of the cash loan type you’re dealing with:

-          The amount approved is limited to small to medium sums of money;

-          The interest rate might be slightly higher than the one of a long-term loan, but the difference you get to pay back is insignificant considering the amount taken out;

-          Cash loans online are conceived for short periods of time;

-          The documentation needed for the application process is minimal;

-          The time needed for the analysis is short.

$500 dollar cash loans online from banks

Most banks check for credit history and credit score and that means that it can limit the amount you may obtain or completely disqualify you from getting a loan at all. For getting more information check our rates and fees page or apply online at and we will be able to help you.

Banks don’t need a lot of time to analyze your application, but the fact that they check your credit score may slow down the process. This is why, if you need cash loans fast, banks may not be your best option. Also, having your credit history pulled many times can actually affect your credit score, and banks always check your credit history.

Cash loans online from other financial institutions

The degree of flexibility increases when you try to obtain such a loan from a financial company or institution that is not a bank. The competition is very high in this sector and so the offers are extremely varied and complex. These companies require proof of income, but some of them (if not the large majority) won’t check your credit score. So if you want to obtain such a loan and your credit score is less than perfect, this niche may very well be what you’re looking for. What is more, some payday loans companies will only require your valid ID card to approve small amounts of money on short notice.

Peer-to-peer cash loans online

The documentation you need for this case is not as extensive, but the APR will be slightly higher than those of their counterparts. In this particular case, the advantage is that the borrower is approved instantly upon the agreement.

UnitedFinances is committed to helping you get the financial support you need, when you need it. We take pride in reviewing and recommending only the best payday loan providers to ensure you get fast, reliable funding. Whether you have good credit, bad credit, or anything in between, UnitedFinances has an option for you.

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