Unexpected expense?
Compare personal loan offers in minutes, on your terms.
Tell us what you need. We connect you with third-party lenders in our network so you can compare real offers side by side — and only accept one if the rate, fees and monthly payment work for you.
Request loan offers
One short request. Lenders in our network review it under their own criteria. You are never obligated to accept an offer.
How Payday Lender works
We are the connection, not the decision-maker. That distinction protects you: you see the lender's actual terms before you agree to anything.
1. Tell us what you need
Choose an amount from $100 to $5,000, your purpose and your state. The request takes a few minutes and costs nothing.
2. Compare lender offers
Lenders in our network review your request under their own criteria. Compare APR, fees, monthly payment, total cost and repayment term — not just the headline amount.
3. Review, then decide
If an offer works for you, you accept it directly with that lender. If it does not, you walk away. No offer is final until you review and sign the lender's agreement.
Watch: from request to decision
This short video shows the same three steps: a household reviews its budget, submits one request from a phone, and compares offers before deciding. Video summary: (1) check your budget, (2) submit one request, (3) compare APR, fees and total cost, (4) accept only an offer you can afford to repay on schedule.
Funding times vary. Some lenders may fund as soon as the next business day after approval and verification; others take longer. Your bank's processing time also affects when funds are available.
Loan options to compare
Amounts and terms below are the range matched through this site. Your actual offer depends on the lender, your state, your income and your credit history.
$100 - $1,000
Smaller, short-term help
For a single urgent bill or repair. Terms from 61 days. Keep the amount as low as the expense requires — borrowing more than you need increases total cost.
- Terms: 61 days to 12 months
- APR: 5.99% - 35.99%
- Best for: one urgent expense
$1,000 - $2,500
Mid-size expenses
For larger repairs or several bills at once. A longer term lowers the monthly payment but usually increases total interest paid.
- Terms: 3 to 36 months
- APR: 5.99% - 35.99%
- Best for: planned repayment over months
$2,500 - $5,000
Larger personal loans
For debt consolidation or a major repair, where a longer term and a clear monthly payment matter most. Compare total cost, not just the monthly figure.
- Terms: 12 to 60 months
- APR: 5.99% - 35.99%
- Best for: larger, planned borrowing
Common reasons people request a loan
- Car repair — getting back to work when a vehicle breaks down.
- Medical or dental bills — an unexpected treatment cost.
- Home repair — a leaking roof, broken heating or urgent plumbing work.
- Essential household bills — catching up after an income gap.
- Debt consolidation — replacing several payments with one, if the total cost is lower.
A loan is rarely the right tool for non-essential spending, holidays or gambling. If the expense can wait, saving first is usually cheaper. See Responsible lending and the alternatives below.
When an expense cannot wait
Sometimes the car, the boiler or the medical bill cannot wait for the next paycheck. In that case, the cheapest safe option is the one with the lowest total cost you can repay comfortably — even if its monthly payment is slightly higher.
Loan calculator — estimate before you apply
This is an estimate only. It assumes no additional lender fees and a fixed APR for the full term. Your lender's offer — including any origination, late or other fees — controls.
Calculation uses the standard amortisation formula. A longer term lowers the monthly payment but increases total interest. Always check the lender's total cost, fees and repayment schedule before accepting.
Who can request an offer?
Basic criteria lenders commonly require
- Age 18 or older (19 in some states)
- US resident with a valid ID
- Steady source of income
- Active checking account
- Working email and phone number
Meeting these criteria does not guarantee approval. Each lender applies its own underwriting standards.
Credit checks
Lenders may check your credit with one or more credit bureaus, or use alternative data. A check may be a soft inquiry or a hard inquiry, depending on the lender. A hard inquiry can affect your credit score. Ask the lender which type it will use before you proceed.
What you will need
- Government-issued ID
- Proof of income (pay stubs or bank statements)
- Bank account details for funding and repayment
- Proof of address in some cases
Rates, fees and a representative example
Google Ads requires these three disclosures to be prominent and visible without clicking. They are shown here, in the top bar, and again in the footer.
| Disclosure | What it means here |
|---|---|
| Minimum and maximum repayment period | 61 days to 60 months. No loan matched through this site requires repayment in full in 60 days or less. |
| Maximum Annual Percentage Rate (APR) | 35.99%. APRs matched through this site range from 5.99% to 35.99%. APR includes interest plus fees and other costs for a year, calculated consistently with the Truth in Lending Act (TILA) where applicable. Your APR depends on the lender, your state and your credit profile. |
| Representative example (separate from the maximum APR above) | A $2,000 loan repaid over 24 months at 19.99% APR costs $101.78 per month, $2,442.76 in total, including $442.76 in interest, assuming no additional fees. If your lender charges an origination or other fee, your total cost will be higher and will be shown in your offer. |
| Fees | Payday Lender charges you no fee for matching. Lenders may charge interest and, in some cases, an origination fee, late-payment fee or non-sufficient-funds fee. All lender fees must be disclosed in your loan agreement before you accept. Never pay an upfront fee to receive a loan offer. |
| Other representative examples | $1,000 over 12 months at 35.99% APR: $100.46 per month, $1,205.49 in total. $1,000 over 12 months at 5.99% APR: $86.06 per month, $1,032.74 in total. $5,000 over 60 months at 35.99% APR: $180.63 per month, $10,837.95 in total. These are illustrations only, assuming no additional fees. |
How matching and compensation work
Payday Lender is compensated by some lenders, networks or partners when a request is matched, an application is submitted, or a loan is funded. Compensation may affect which offers you see and their order. It does not change the lender's rate for you, but it does mean the offers shown are not necessarily the lowest-cost loans available in the market. Always compare the APR, fees, monthly payment and total cost of every offer, and consider checking a bank, credit union or other lender directly.
We do not endorse, guarantee or insure any lender, and we are not responsible for a lender's decisions, funding, servicing or collections. After you accept a loan, your contract is with the lender. Contact the lender directly about payments, extensions, hardship options or complaints about your loan.
State availability — read before you apply
Loan availability, maximum amounts, rates and terms vary by state law and by lender licensing. Traditional short-term payday lending is prohibited or effectively unavailable in many states, including Arizona, Arkansas, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, Vermont, West Virginia and the District of Columbia. Other states cap rates or restrict terms. If you select one of those states in the form above, the form will explain that a traditional payday product cannot be matched there and will point you to the alternatives below instead of collecting a payday request.
For Google Ads: geo-target campaigns only to states where the advertised product is lawfully available from a licensed lender in your network, and exclude the states above unless you have verified, in writing, that a compliant product is available there. Laws change — re-check with your network and state regulators before each campaign.
Responsible lending — please read this first
Borrowing can help in an emergency, but it can also make a tight month harder if the repayment does not fit your budget.
Borrow only what you need
Check the monthly payment against your income after rent, food, transport and other essentials. If the payment leaves you short, the loan is too large or the term is too short.
Watch the total cost, not just the payment
A longer term can look easier month to month while costing far more overall. Compare total cost across offers before you choose.
Have a repayment plan
Know the due dates, the payment method and what happens if a payment is late. If your income changes, contact your lender early — do not ignore the loan.
Lower-cost alternatives to consider first
- Ask the creditor for a payment plan — many utilities, medical providers and landlords will spread a bill without interest.
- Credit union Payday Alternative Loans (PALs) — small loans from federal credit unions, typically $200 to $1,000, repaid over 1 to 6 months at lower cost.
- Employer pay advance or earned-wage access — check the fees first; some options are free, others are not.
- Community assistance — local nonprofits, charities and emergency assistance programs may help with rent, utilities or food.
- Nonprofit credit counselling — a certified counsellor can review your budget and debts. The Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov has free guides on borrowing and debt.
Warning: Taking a new loan to repay an existing loan can create a cycle of debt. If you are already struggling with repayments, seek free, independent debt advice before borrowing more. If you cannot repay, contact your lender about hardship, extension or payment-plan options available under your agreement and state law. Late or missed payments may result in additional fees, collection activity and damage to your credit.
Frequently asked questions
Is Payday Lender a lender?
No. Payday Lender is a free loan-matching and affiliate service. We are not a lender, we do not make credit decisions, and we do not fund loans. Lenders in our network make all lending decisions.
How much can I request, and for how long?
From $100 to $5,000, with repayment terms from 61 days to 60 months, depending on the lender and your state. Your offer will state the exact amount, term, APR and payment schedule.
What is the maximum APR?
35.99%. APRs range from 5.99% to 35.99%. See the representative example in the Rates section: a $2,000 loan over 24 months at 19.99% APR costs $101.78 per month and $2,442.76 in total, assuming no additional fees.
Will I be approved?
There is no guarantee. Each lender reviews income, credit history, state law and its own criteria. Some applicants receive no offer, and some receive an offer for a different amount or term than requested.
How fast will I get money?
It depends on the lender, verification and your bank. Some lenders fund the next business day after approval; others take longer. We do not promise same-day or instant funding.
Can I get a loan with bad credit?
Some lenders in our network work with a range of credit histories, including limited or poor credit. That does not mean approval is guaranteed, and a lower credit score usually means a higher APR. Compare the total cost carefully.
Is there a fee to use this site?
No fee from Payday Lender. Lenders may charge interest and fees, which must appear in your offer and agreement before you accept. Do not pay anyone an upfront fee for a loan.
What happens if I cannot repay on time?
Contact your lender immediately. Late payments may incur fees and affect your credit. Your lender's agreement and your state law govern extensions, payment plans and collection practices. Payday Lender cannot change your loan terms after acceptance.
Can I cancel after accepting?
Your right to cancel depends on your lender's agreement and state law, including any rescission period. Read the agreement before signing and contact the lender at once if you change your mind.
Is my information safe?
We use SSL encryption and share information only as described in the Privacy Policy, with lenders, networks and service providers needed to process your request. No system is completely secure, so review the Privacy Policy before submitting sensitive information.
Do you operate in every state?
No. Availability depends on state law and lender licensing. Traditional payday products are prohibited or effectively unavailable in several states listed in the State availability section. Ads should be geo-targeted only to states where the product is lawful.
Who do I contact about my loan?
Your lender, using the contact details in your loan agreement. Payday Lender can help with questions about this website and the matching request, but cannot service, change or collect a loan.
Compare offers — with the full cost in front of you
One request, multiple lenders, no obligation to accept. Terms from 61 days to 60 months. Maximum APR 35.99%.
Privacy Policy
Last updated: October 2026. This is a template policy — have it reviewed by a qualified attorney before publishing, and replace all bracketed placeholders.
What we collect
When you submit a request, we collect the information you provide (name, email, phone, state, amount and purpose), technical information (device, browser, pages visited) and, if you proceed with a lender, information the lender or network returns about the status of your request. We do not collect full bank account numbers or Social Security numbers through this form.
How we use it
To match your request with lenders and partners, to operate and improve this site, to communicate with you about your request, and to comply with law. With your consent, we and our partners may contact you by phone, text and email about loan and related offers.
Who we share it with
Lenders, lead networks, verification and fraud-prevention providers, and service providers who host or operate this site, under contracts that limit their use of your information. We may also share information if required by law or to protect safety and legal rights. We do not sell your personal information for cash, but sharing with advertising or lead partners may be treated as a "sale" or "sharing" under some state privacy laws — see Your rights below.
Your rights and choices
Depending on your state, you may request access, correction or deletion of your personal information, opt out of sale/sharing, and opt out of marketing texts by replying STOP or emails by using the unsubscribe link. Contact us using the details in the Contact section. We will verify your identity before fulfilling a rights request.
Security and retention
We use SSL encryption and reasonable administrative and technical safeguards, and we retain request information only as long as needed for matching, record-keeping and legal compliance, after which it is deleted or de-identified.
Cookies
This site uses essential cookies for security and form function, and may use analytics cookies to understand aggregate use. You can control cookies in your browser settings; blocking essential cookies may break the form.
Terms of Use
By using this site, you agree to these terms. Payday Lender provides a loan-matching service only. We do not provide financial advice, and nothing on this site is a promise or guarantee of a loan, rate or funding time. You must be 18 or older (19 in some states) and provide accurate information. You are responsible for reviewing any lender offer and agreement in full before accepting. We may change this site and these terms at any time. To the extent permitted by law, our liability for this matching service is limited to the amount, if any, you paid to use it (which is $0). These terms do not limit your rights against a lender under your loan agreement or applicable law.
Disclaimer
Payday Lender is not a lender, broker of a specific loan, or financial adviser. Loan products, rates, fees, terms and availability are set by third-party lenders and vary by state. All loan decisions, funding and servicing are the lender's responsibility. Examples and calculator results are estimates only. If any part of this site conflicts with a lender's agreement, the lender's agreement controls. Check your state regulator and the CFPB (consumerfinance.gov) for independent information before borrowing.
Accessibility
We aim to make this site usable with keyboard navigation and screen readers. Form fields are labelled, videos have a text summary, and colour is never the only way information is conveyed. If you have difficulty using this site, contact us and we will help you complete a request by another method.
Contact Payday Lender
Questions about this website or a matching request? Contact us below. For questions about an accepted loan, contact your lender directly.
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