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If you're temporarily in the red, you're probably looking for a smart way to fix the problem. Fortunately, ASAP Finance knows how to help! Our online payday loans with same-day approval are extremely fast, accessible, and easy to get, even with bad credit.

What Are Online Payday Loans?

An online payday loan is a form of short-term debt with a fully digitalized loan process. This means that the whole procedure, from applying to getting the funds, is remote and doesn't require your personal presence. All you need is your PC or cell phone with an Internet connection and a basic document set.

In most cases, online payday loans can provide borrowers with small amounts that are between $100 and $1,000. The due date is usually tied to your next paycheck. Thus, repayment terms are typically from 14 to 30 days.

How Does It Work?

Online loans come with the same type of loan request that you make when applying for traditional options. The main difference is that you can send it from anywhere, at any moment you need it. Here's how it goes:

Step 1:

Apply online through our convenient website.

Step 2:

Wait for a lender to review your loan application.

Step 3:

Get a loan decision.

Step 4:

E-sign a loan agreement (if positive).

Step 5:

Receive your online loan in a bank account.

Step 6:

Repay the money when due.

How Soon Will I Have My Money?

Online direct lenders of ASAP Finance specialize in emergency assistance. As they don't perform hard credit checks, it becomes possible to complete the whole process within a few hours. However, the speed of money funding also depends on your bank's cut-off times. Commonly, borrowers get their funds as soon as the next business day after accepting an offer.

How Should an Online Loan Be Repaid?

The lender will automatically deduct the funds from your account. Just check your balance to make sure the sum is sufficient to cover your total loan cost, including the lender's fees.

Can I Get a Payday Loan Online with Bad Credit?

You're welcome! Most lenders in ASAP Finance's database are not focused on borrowers' credit scores. You can get approved online with any credit if your regular monthly income is high enough to service all your financial obligations, including a new potential online loan.

How Can I Use an Online Loan?

You decide how to spend the money you get. Lenders don't usually ask you to specify an online loan purpose. However, you should be responsible. Keep in mind that any loan is a financial liability. It can result in financial problems if you use it thoughtlessly.

When Is a Same-Day Payday Loan the Right Decision?

Same-day payday loans can work as a short-term solution for your urgent needs. Here are a few scenarios when it may be a good idea to consider one:

To avoid penalties or high fees

Being late on your loan or credit card payments can lead to additional costs and a credit score drop. Online loans can help you avoid late payments. You can repay the money when it is more convenient for you – after you receive your next paycheck.

To cover unexpected expenses

If you don't have personal savings to use toward financial emergencies, online loans can help you cover home and car repairs, medical bills, transportation costs, and more.

To pay off urgent bills

If you find yourself in financial distress, online loans can temporarily keep your budget up. Use them to cover utilities, rent payments, or grocery bills.

Online Payday Loan Advantages

Online payday loans offered by ASAP Finance have significant benefits that make them one of the most innovative products on the market. These advantages include the following:

  • The ability to apply at any convenient moment;
  • You can save time and money as you don't need to go to a store;
  • High level of data protection thanks to the latest encryption technologies we use;
  • An application process that takes less than 5 minutes;
  • Money funding in as little as one business day;
  • Loans are available with any credit;
  • No upfront fees or application costs.

Online Loans vs. Traditional Loans

Both types of borrowing have their benefits and drawbacks. They are designed for different groups of borrowers.

Online loans are quick loans that are easier to get. They require less paperwork and are available with bad credit (without collateral backing). Thus, they can be a smart solution for people with less-than-perfect credit backgrounds who are looking for unsecured loans. They are also a good option for borrowers in a hurry.

Traditional loans take longer to get approved for and receive the money. Additionally, you need to gather a huge set of documents and meet minimum credit score requirements. Otherwise, you may be denied a loan or require collateral. However, conventional options are cheaper. They also offer more flexibility in terms of repayment schedules.

Do Online Loans with No Credit Check Really Exist?

Unfortunately, it's a ruse that some lenders use to grab your attention. In practice, lenders can't make a loan decision until they check your personal and financial information. This is needed to ensure that you meet eligibility requirements and can afford the new debt.

However, there's a huge difference between credit checks performed by online lenders and those made by conventional ones. Direct lenders that partner with ASAP Finance run only soft credit inquiries. Such checks don't involve major credit bureaus and don't affect borrowers' credit ratings.

Are Online Loans Safe?

This depends on the company that you partner with. Online loans are popular with people with limited borrowing options. This is the reason why scammers often use them to benefit from vulnerable individuals. It can lead to money losses, data leaks, or identity theft.

That is why it's important to deal with trusted and licensed lenders only. In this case, you won't have to worry about loan safety. At ASAP Finance, we partner with credible loan providers to make sure our borrowers are under the protection of federal and state regulations.

Tips on Navigating Online Loans

At ASAP Finance, we want you to make an informed financial decision. Here's some information you need to know before you get an online loan.

Pay Attention to a Loan Cost

Online same-day loans often have high interest rates. This is the price you need to pay for their speed and accessibility. But some lenders can go too far. Compare several offers and choose the one with the lowest possible cost.

Many online payday loans also come with additional fees. These charges affect the total loan cost too. For example, origination fees can be deducted from the requested loan amount. Thus, you will get less money than you expected. You can also face some penalties if you pay late.

Don't Pay Anything in Advance

Avoid companies that ask you to pay upfront. This is always a red flag. Reliable lenders deduct origination fees from your principal loan amount. Interest repayment is made at the end of the loan period.

Don't Ignore Your Credit Score

Although your credit rating is not a reason for being turned down, it can affect the interest rate you will get. Thus, you should maintain it at an acceptable level if you don't want to overpay.

Make Sure You Can Repay the Money

Of course, the responsible lending practice provides for your income verification. This is made to not overburden borrowers with debt they can't afford to repay. However, lenders usually pay attention to your gross income, which includes all your earnings before taxes or other deductions.

You'd better consider your net income, which is the sum that remains after covering taxes and other financial obligations. By comparing this amount with the sum of your potential debt, you will be able to understand whether it suits your budget.

Online Loan Requirements

Our lenders set only basic requirements that an average American can meet:

  • No less than 18 years old;
  • Have an active bank account;
  • A permanent resident or legal citizen of the US;
  • Have a regular monthly income of at least $1,000.

You may also be asked to provide proof of income in the form of pay stubs or bank statements.

Keep in mind that payday loans can be prohibited in some states. Please, check out your state law regulations before applying.

Get an Online Loan Today with ASAP Finance!

You're now one step away from getting money! Apply online, and let us help you get the best loan possible for your current situation. Use our free service to reach your financial goals regardless of your credit score or income range. At ASAP Finance, we're always at your service whenever you need financial support!



Is ASAP Finance a Direct Lender?

ASAP Finance is a connecting company that works as an innovative loan marketplace. We have a huge base of credible direct lenders that operate across the US. By applying through our website, you can access multiple offers from trusted loan providers. This will increase your chances of getting a loan.


How Will I Know That My Payday Loan Request was Approved?

After a lender makes a soft credit check, it will send you a loan decision via email. It typically takes less than 1 hour to get a notification. Just make sure you specify a valid email address when filling out an online application form.


Can I Qualify for a Loan from ASAP Finance with Poor Credit?

Sure, it's never a problem! Your credit score is not a determining factor for our lenders. If you meet their basic requirements, including age and income criteria, bad credit won't be a barrier.


What Is the Cost of My Online Loan?

The exact cost depends on several factors. They include your credit score, location, loan type, a particular lender's policy, and sometimes a loan amount. Generally, online loans cost between $10 and $30 for each $100 borrowed.


Where Can I Get a Payday Loan?

Payday loans are usually offered by online lenders and less commonly by – credit unions (these options are called payday alternative loans). You can also get one through a connecting service, such as ASAP Finance. This can be a smart solution for people who don't have time to compare options.

We offer both an online and in-store application for your convenience. After submitting a form, we will link you with a direct lender that meets your financial needs.


What Happens If I Don't Repay My Payday Loan on Time?

The first step a lender will take is an attempt to withdraw the money directly from your bank account. If its balance is lower than your debt amount, a lender can send your account to a collection agency. Additionally, it will charge late fees for each day of delay. This can increase your debt significantly.

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