5 Best Quick Loans and Fast Cash Advances Online for Bad Credit and Payday in 2022


Fast loans are lifesavers when you are in a financial situation. Millions of Americans have taken advantage of quick cash loans at one time or another. Whether you’re short on cash because you just spent hundreds on a home repair or maybe you bought an expensive birthday present or covered an emergency expense, fast online loans give you a cash advance that you can comfortably live on until the end of your next life Payday. Here are the top five quick loan providers and what makes them a viable choice.

Best quick loans 2022 – Quick overview

  • Viva payday loan – Overall the best fast payday loans for quick payout
  • heart paydays – Best for quick loans with bad credit
  • credit clock – Best for quick online loans and easy loan approval
  • moneylender – Best for quick online application
  • Very happy loans – Best for small loans that are paid out on the same day

General eligibility criteria for quick loans

If you want to benefit from quick loans online, you must meet the following criteria:

  • Minimum age 18 years
  • Permanent US address
  • Earn at least $800 per month
  • Not over-indebted
  • Do you have a bank account

The 5 Best Fast Payday Loans

If you are in the online fast loan market, here is a quick overview of everything you need to know about the best online fast cash loan providers in USA.

1. Viva Payday Loans – Best Fast Payday Loans Overall for Fast Payout

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  • Payout within 60 minutes after approval
  • Get up to $5,000
  • Repayments over 2 to 24 months


  • Not available in some states

Viva Payday Loan is one of the best, quickest and quickest loans that offers access to lenders that will get the job done. There are no waiting times with the Viva payday loan. Once a loan is approved by a lender, the money will be deposited into your bank account as soon as possible. It is not uncommon for borrowers to receive the money in their bank account within an hour, subject to lender approval. While interest rates can be high, some lenders lower their interest rates to remain competitive. Because of this, interest rates on quick online payday loans can range from 5.99% to 35.99%. To be a successful applicant, you must be at least 18 years of age, a permanent resident of the United States, have a steady job, and have sufficient income to pay for the cost of the loan installments along with your other monthly expenses.

Click here to request money from Viva Payday Loans >

2. Heart Paydays – Best for quick loans for bad credit

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  • Affordable monthly repayments
  • Low FICO scores are welcome to apply
  • Application feedback guaranteed in 2 minutes


  • Approval times can take longer than 1 business day in some cases

Heart Paydays does not discriminate against borrowers, including those without a bad credit history or those specifically looking for quick loans for bad credit. By using this loan search service, you will have the benefit of being connected to lenders who will most likely help you even if your credit score is low. Of course, there are affordability checks to ensure borrowers can afford the loans they apply for. Fast loans through the Heart Paydays portal have an APR of 5.99% to 35.99% and range from $100 to $5,000. If you earn at least $1,000 per month, are a permanent resident of the United States, and are at least 18 years old, you can apply today.

Click here to request money from Heart Paydays >

3. Loan Clock – Best for quick online loans and easy loan approval

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  • 100% easy loan search service
  • Super fast online application
  • Fast payout


  • Interest rates can be as high as 35.99%

Credit Clock connects borrowers with lenders that offer affordable, quick loans in the United States. As a reputable loan finder, Credit Clock presents borrowers looking for quick payday loans with viable loan packages ranging from $100 to $5,000 with a payment period of 2 to 24 months. If you earn $1,000 a month, have a valid ID, are at least 18 years old and are a permanent resident of the US, you are eligible for fast payday loans online through Credit Clock!

4. Money Lender Squad – Best for quick online application

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  • The online application only takes a few minutes
  • Get up to $5,000 in your account today
  • Panel of lenders to choose from


  • Not all applications are approved

Money Lender Squad is an excellent alternative if you are tired of the red tape often associated with traditional bank loans. This loan search site helps borrowers choose the best quick loans online by applying only once. The online system is designed for ultimate simplicity. All you have to do is enter how much you want to borrow and how long you intend to repay it. Then fill in your details (name, ID, address, employment details, bank account and a list of your monthly expenses) and the best quick cash loan options will be presented to you within minutes.

5. Very Merry Loans – Best suited for small loans that are paid off the same day

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  • Easy credit terms
  • 2 minute online application
  • Withdraw cash on the same day


  • Only small loans up to 2,000 euros

If you are not looking for quick loans for bad credit, Very Merry Loans quick loans are ideal. These loan packages are deliberately small to ensure easy repayment, so you won’t find a $2,000 quick payday loan online here. The effective annual interest rate is between 5.99% and 35.99%. Best of all, lenders Very Merry Loans connects you with have a habit of disbursing loans on the same day they are approved.

What are quick payday loans?

Fast payday loans are often quick loans for borrowers with bad credit or people who don’t have the time to wait for the bank’s lengthy processes to get the money they need. These loans work on a basic loan model. The borrower requests funds and specifies the repayment term that would be most convenient for them. The lender offering instant or quick loans will provide an offer detailing the interest amount (usually between 5.99% and 35.99%, depending on the state) and the loan terms. If the borrower accepts the terms, the loan agreement must be signed and the lender transfers the money to the borrower’s bank account, usually on the same day.

frequently asked Questions

Can I get an instant loan in 5 minutes?

If you are looking for the best same day quick loans in USA then you should try the above options. All of these credit matching services have application processes that take as little as two minutes. If your loan is approved by a lender, payments are usually made the same day.

Can I get a quick loan with a Schufa of 550?

Credit scores of 550 are well below the average credit score. If your financial situation has changed and you can now afford your monthly expenses plus a loan installment, you may still be a viable candidate for quick payday loans.

Can you get a loan with no payment history?

If you don’t have a credit history to speak of, you are still eligible to get quick cash loans online. Although a credit check is carried out, it is not the only determining factor in the outcome of your loan.

Disclaimer – The above content is non-editorial, and Economic Times hereby disclaims all warranties, express or implied, with respect thereto and does not guarantee, vouch for, or necessarily endorse the content. The verified credit websites are credit matching services, not direct lenders, so they are not directly involved in accepting your loan request. Applying for a loan through the websites does not guarantee acceptance of a loan.
This article does not contain financial advice. Please consult a financial advisor if you require financial assistance. Loans available to US residents only.


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