5 Best Online Payday Loans – Same Day Deposit Payday Loans Online and No Rejection Payday Loans Direct Lenders in 2022


Online payday loans are the solution to almost every type of financial jam. Whether you need the money to redecorate the guest room, buy an expensive anniversary gift, or pay for a costly repair to your car, online payday loans can provide you with the money you need. Many Americans have experienced the financial flexibility that online payday loans offer, and if you’re looking for financial relief, you can too.

Loan search services like Viva Payday Loans offer borrowers quick access to lenders that offer the best online payday loans. With so many online payday loan providers, it can be difficult to choose the right one. This article introduces the top five direct online payday loan finders on the market and puts you in direct contact with lenders.

The best online loans 2022 – a quick overview

What are the best online payday loans? Check out our top 5 below:

  • Viva payday loan – Best payday loans for quick payments
  • heart paydays – Best for direct lenders without refusing payday loans
  • credit clock – Best online payday loans with fast approval process
  • moneylender – Best for $255 payday loans online same day
  • Very happy loans – Deposit best payday loans online same day

The Best General Online Payday Loan Eligibility Criteria

Borrowers must meet the following criteria to get online payday loans.

  • Must be 18 years or older
  • Must be a US resident
  • Must earn at least $1,000 per month
  • Must pass affordability checks
  • Must have a US bank account

If you have bad credit, you can still apply for the best online payday loans through Viva Payday Loans if you meet the above criteria. While none of the loan search sites directly perform credit checks on your name, the lenders that offer financing can.

Top 5 Online Payday Loans: Same Day Deposit With Bad Credit

1. Viva Payday Loans – Best Payday Loans for Fast Payments

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Known for its fast processing time, Viva Payday Loan offers access to lenders that offer the best payday loans online in no time. To be a successful applicant, you must meet the above credit criteria and pass affordability checks. Once the loan is approved, the funds are disbursed to the borrower within an hour. Interest rates range from 5.99% to 35.99% depending on the lender.


  • Terms of 2-24 months
  • Loan values ​​up to $5,000
  • Fast payments within 60 minutes after credit approval


  • High interest rates up to 35.99%

Click here to request money from Viva Payday Loans >

2. Heart Paydays – Best only for direct lenders with no rejection payday loans

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Borrowers with bad FICO scores or no credit history can apply for the best online payday loans for bad credit through the Heart Paydays portal and still stand a chance of getting the money they need if they are currently in excellent financial position. When using this loan search service, an attempt is made to connect borrowers only with direct lenders who are most likely to see their financial situation in a positive light. Loan amounts range from $100 to $5,000 with an APR of 5.99% to 35.99% and a payment period of 2 to 24 months.


  • Simple admission requirements
  • Almost instant request feedback within 2 minutes
  • Flexible repayment terms


3. Loan Clock – Best online payday loans for quick approval process

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When the best online payday loans are needed in a hurry, time seems to fly by without giving you a second to catch your breath. This is where Credit Clock helps with lenders that offer fast approval processes and even faster payouts.

Credit Clock connects borrowers and lenders with a simple click of a button. Lenders through Credit Clock offer borrowers affordable loan amounts ranging from $100 to $5,000 for 2 to 24 months. Interest rates range from 5.99% to 35.99%, which may seem high but might be worth the convenience, quick loan approval, and quick payouts. Check if you meet the above credit criteria and apply today!


  • Fast payments
  • The simple online application process
  • Affordable Loans


  • Interest rates up to 35.99%

4. Money Lender Squad – Best for $255 same day payday loans online

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Money Lender Squad offers borrowers direct access to lenders without the usual hassle of traditional financial institutions. Their loan search service assists borrowers in applying for the best direct online payday loans online with a single application.

The process is simple, requiring borrowers to enter their details, select their loan amount and repayment term, and the best online payday loans will appear in minutes. Online payday loans through lenders on the Money Lender Squad portal range from $100 to $5000 with an APR of 5.99% to 35.99% and a payment term of 2 to 24 months!


  • The fast online application process
  • Offers $255 same day payday loans online
  • Loan amounts up to $5,000


  • Not all applications are guaranteed to be approved

5. Very Merry Loans – Best online payday loans with same day deposit

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If you don’t need a big loan, the best online payday loans are available through Very Merry Loans portal lenders. Loan amounts are kept small to keep them affordable and the APR is usually between 5.99% and 35.99%. Additionally, the lenders on the Very Merry Loans platform are known for disbursing on the same day as loan approval, giving borrowers access to seemingly instant cash. If you meet the general lending criteria above, you can easily apply for some of the best payday loans online through lenders on the Very Merry Loans platform.


  • Same day payments
  • Flexible credit terms
  • Fast 2-minute online application


  • Loan amounts are capped at $2,000

The Best Online Same Day Payday Loans, Features and Factors to Consider

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By law, most online payday loans through US-based lenders are subject to a credit check. No credit checks, instant approval. However, if you have a bad FICO score but your financial situation has improved, you can still apply online for the best payday loans.


Affordability is key when applying for the best online payday loans. When processing your application, lenders will perform an affordability check, e.g. B. Compare your bank account to expenses and payslips.


Your loan agreement will detail the penalties and fees for your loans. Therefore, it is best to familiarize yourself with the terms of the loan agreement to avoid paying fees for early or late repayments.


Online payday loans are an excellent form of finance for those in a hurry. They offer the flexibility you need until your next payday should you find yourself in a financial bind.

frequently asked Questions

Which Best Payday Loans Are Easiest To Get Same Day?

Online payday loans are quick, easy and convenient. First, borrowers fill out a simple online application that connects them to a panel of lenders. From there, the lenders assess the affordability of the borrower, and if they can afford the loan, the funds are usually disbursed on the same day.

What is the highest payday loan you can get?

Online payday lenders offer loan amounts ranging from $100 to $5,000. Depending on the lender, the APR for the above providers can range from 5.99% to 35.99%. However, most lenders offer flexible repayment terms of 2-12 months or 2-24 months.

What are the best online payday loans?

Borrowers inquiring about the best online payday loans can use a number of loan search platforms like Viva Payday Loans to find the best loan for them. Loan search services simultaneously connect the borrower to a large group of lenders. This means they are more likely to get a loan because multiple lenders have reviewed their applications.

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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