Best Payday Loans $1000 2023: Apply Now For Fast Approval

The best payday loan company for a $1000 Loan for us has to be Fast Money Source, see below our full list and full detailed reviews of each lender. We are confident we have listed the best options for Payday Loans in 2023.

1 Fast Money Source Best for $1000 Payday Loans
2 Fast Loans Instant Approval and Fastest Disbursement
3 Lowest Interest and Fees
4 CreditClock Available 24/7 for Emergencies
5 Big Buck Loans Highest Approval Rate for Bad Credit
6 Low Credit Finance Highest Approval Rate for No Credit History
7 Heart Paydays Best Broker Alternative


Top Payday Loans $1,000 in 2023: Find Your Best Lender Now

To get started, just click the link of your favorite lender to visit their website and fill out the application form. Once approved, you’ll get the $1,000 USD in 1-2 hours maximum.

If you want to learn more about our lenders to compare them and choose the best one for your goals and needs, then read our individual reviews.

1. Fast Money Source: Best $1000 Payday Loan

Fast Money Source

All of our recommendations are excellent in a specific area, but Fast Money Source is excellent in everything that matters when applying for a $1000 payday loan.  It will be all clear when you check the benefits:

  • Super low interest and fees
  • Fast approval and disbursement of $1000 
  • High approval rate for all types of customers
  • Ideal for bad credit, low income and unemployed
  • Flexible terms and conditions
  • Access to better loans once you become a client
  • Excellent customer support service.

As you can see, it scores high in all the areas that matter, and even though it could be present in more US states, it’s not their fault because the regulations change depending on the state.

2. Fast Loans: Instant Approval and Fastest Disbursement

Fast Loans

Fast Loans is the fastest lender in our list because they offer instant approval and the quickest disbursement in the market. You can expect to receive your $1,000 USD in 1-2 hours at max. Here you have all the reasons why Viva Payday Loans is a solid choice:

  • Instant approval
  • Fastest disbursement
  • High approval rate
  • Accepts bad credit and limited credit history
  • Fair APR and fees
  • Excellent customer support service.

Even though this company does not make it easy for you to get access to other loans, the fact that it approves and disburses $1000 loans so fast, makes it an incredible choice.

3. Lowest Interest and Fees

We all want to get the best deal, and this is exactly what is going to offer you: the $1000 payday loan with the lowest interest and fees in 2023. Here’s why is a superb pick:

  • Get the cheapest $1000 payday loan
  • High approval rate
  • Accepts bad credit
  • Fast approval and disbursement
  • Access to better loans
  • Efficient customer support service.

This company will match you with the best possible direct lenders in order to bring you a $1000 payday loan with the lowest interest and fees, along with a flexible and generous payment schedule.

4. CreditClock: Available 24/7 for Emergencies

Credit Clock

Emergencies can happen at any minute - and that is why CreditClock has decided to offer their services 24/7, to make it possible for you to apply for a $1000 payday loan at any time of the day and to receive the money as soon as possible. Here’s why we recommend CreditClock:

  • You can request and receive a $1000 loan at any time of the day
  • Fast approval and disbursement
  • Accepts low credit
  • High approval rate for all types of customers
  • Fair interest and fees
  • Great customer support service

Even with a bad credit score, you can still get approved and receive $1000 USD at any time of the day, any day of the week. Only keep in mind that their minimum monthly income requirement is higher than average.

5. Big Buck Loans: Highest Approval Rate for Bad Credit


If your credit score has prevented you from getting the $1000 you need, then you can solve it now by applying for a loan at Big Buck Loans, because they have the highest approval rate for bad credit borrowers. Explore all the benefits of this company with us:

  • Highest approval rate for bad credit
  • Accepts customers with low income
  • Accepts borrowers who are unemployed
  • Fast approval and disbursement
  • Access to better loans

Big Buck Loans is the perfect solution when you have bad credit, and even though the interest and fees are higher, it’s a fair price to pay in exchange for getting the $1000 you need as soon as possible.

6. Low Credit Finance: Highest Approval Rate for No Credit History

Low Credit

Having no credit history is a problem when applying for a loan of $1000 or more, but Low Credit Finance is here to accept and approve your application even if you have zero credit activity. Here you have all the benefits that you will enjoy if you choose this lender:

  • You can get approved even with zero credit history
  • High approval rate for bad credit and unemployed borrowers
  • Perfect for low income customers
  • Fast approval and disbursement
  • Efficient customer support service

If you have a limited credit history, then Low Credit Finance is the only logical choice because the majority of lenders will reject your application. The APR and fees are higher, but it’s completely easy to understand.

7. Heart Paydays: Best Broker Alternative

Heart Payday

If you’re looking for a broker alternative, because or ZippyLoan didn’t convince you, then you should consider Heart Paydays due to the following reasons:

  • Access to hundreds of available direct lenders
  • Easily find your ideal $1000 payday loan offer
  • Competitive interest and fees
  • Fast approval and disbursement
  • Accepts bad credit

We consider this to be a good alternative, but even then, our main pick for a broker is ZippyLoan followed by, because they’re the fastest when it comes to finding the ideal payday loan offer.

How to Apply for a $1,000 Payday Loan in 5 Minutes or Less

If you’re ready to apply for your payday loan to receive the $1,000 you need right now, then here’s how you can do it:

  • Choose a lender from our list
  • Fill out the application form
  • Wait for the system to review it
  • Get notified that you’ve been approved
  • Receive the $1000 USD in your bank account!

Even if you’ve never applied for an online loan before, you can still complete the process in 5 minutes or less because the application forms are intuitive and beginner friendly. You only have to fill a few fields with simple information and that’s it.

Since our recommended lenders use the latest technology for reviewing loan applications, you can expect to receive a response in just a few minutes, and the disbursement will be the same day.

What is a 1000 USD Pay day Loan?

This loan will grant you $1000 USD quickly because the system will automatically review your application and proceed to deposit the money in your bank account if the data is accurate and you meet the lender’s eligibility requirements. Fast approval and disbursement is a key feature of $1000 payday loans, along with a high approval rate for all types of customers: bad credit, no credit history, unemployed, low income, on benefits, students, etc.

Unlike smaller payday loans, since we’re talking about $1,000 USD, you can either opt for a short-term or long-term payment schedule. You can choose to pay it back in 7-28 days, or you can choose to pay it over several weeks or months - resembling a high risk installment loan.

The interest and fees for a $1000 payday loan are higher than a regular personal loan, but we’ve done all the necessary work to only pick the companies with the cheapest payday loans in this category.

How Does a $1,000 Payday Loan Work?

It works the same way as a regular loan, the only things that change are the interest, fees, and payment schedule. Since these are high-risk loans, the interest and fees will be higher, and you can expect the payment schedule to be short-term, or in some cases, you can opt for paying back the loan over several months.

The process of application, review, approval and disbursement of the loan is quite practical. As soon as you send your application, the system will automatically review it and approve it fast, in order to deposit the $1000 in your bank account the same day. 

Once you’ve been notified that you’ve been approved, you will have to agree to the contract where you will find the due date, interest, fees, penalties for late payment, early repayment conditions, and other important details.

When you accept the contract, the lender will proceed to deposit the money automatically in your bank account, so you can use it as you wish.

How Do I Know If I Qualify for a $1,000 Payday Loan?

To qualify and receive the $1,000 USD you need right now, you only need to meet the following requirements:

  • You have to be a US citizen or permanent resident
  • You need to be at least 18 years old
  • You need to have a verifiable source of income
  • You must have a bank account
  • You need a phone number or email address.

The eligibility requirements are easy to meet, and hence, the approval rate is very high, even if you have bad credit, low income or are currently unemployed. You can send your application now and it’s almost sure that you’ll get approved and receive the $1,000 you need right now.

Credit Score and $1,000 Payday Loans

If you are wondering what is the importance of your credit score and credit history when applying for a $1,000 payday loan, then here you will find all the information you need.

Is Your Credit Score Important?

No, it’s not a decisive factor when a lender reviews your application. You can still get approved for a $1,000 payday loan if you have bad credit or limited credit history. These companies work with high-risk customers, because other institutions, banks or lenders will never give them an opportunity.

That’s why the majority of these payday lenders will not perform a credit check, making it possible for you to get a $1,000 payday loan with no credit check. But if they perform it, then it will be only a soft credit check.

Does It Help to Improve Your Credit Score?

Yes, applying for a $1,000 payday loan and paying it back on time will help you to increase your credit score and build a positive credit history. The key here is to adjust yourself to the given payment schedule and never miss out one single day, or request an extension. This way you will show other lenders that you’re trustworthy and that it’d be a good idea to lend you money.

As opposed to smaller payday loans, $1000 USD is a decent amount to leave a positive impact on your credit score and history, making it easy for you to get back on track. And if you’ve never requested a loan before, and hence you lack credit history, then this payday loan is a good way to get started.

Can You Get a $1000 Payday Loan in All the US States?

Unfortunately, no. This product is reserved only for a selected number of US states whose statutes allow payday lenders to lend $1,000 or more. It’s only possible to get a $1000 payday loan in the following states:

  • Delaware
  • Idaho
  • Illinois
  • Ohio
  • Oregon
  • Virginia
  • Nevada

Most states like California, Florida, Montana, Alabama, amongst others, top it off at $300-500 USD. However, our recommended lenders can still lend you $1000 USD but under different conditions that do not classify as a payday loan.

Pros and Cons of $1,000 Payday Loans

Let’s compare the pros and cons to help you make the best decision - because we are talking about money, and such matters must be treated with caution and accuracy. 




The fastest and easiest way to get $1000 USD for any purpose

The fees and interest are higher than regular loans

You can get $1000 if you have bad credit

$1000 payday loans are not available in all states

You can get $1000 if you are unemployed


You can get $1000 if you have low income


You can pay it back over several weeks or months 


You can use it to build your credit score


You can use it to build your credit history


You can get access to more loans by paying back on time



With so many advantages and just two cons, it’s easy to see why applying for a $1000 payday loan is a great idea. Especially if you need the money urgently and you have no other bank or lender willing to bring you the money, requesting it from our recommended lender is the only logical solution. 

Alternatives to $1,000 Payday Loans

If this type of loan is not what you really need, then here you have the best alternative to get the money you need right now.

Smaller Payday Loans

If you’ve come to the conclusion that you don’t really need $1,000 USD, and that a smaller amount would be enough to cover your expenses, then you can opt for a smaller payday loan. It can be a $100, $300 or a $500 payday loan - so you can reduce the cost of the loan and manage your debt better. 

You can also opt for specialized loans like the $255 payday loan, which is an excellent choice if you live in California, Florida or any other state with strict limits for payday lending.

Bigger Payday Loans

If your emergency expenses are bigger than anticipated, then you should know that you can claim a bigger payday loan. Be it $2,000 or even a $5,000 USD payday loan, you can request it now, and the same terms and conditions would apply to your case. 

However, keep in mind that these payday loans are not available in all states because some states like Florida, California, Nevada and Ohio have limits for the maximum amount that a payday loan can bring you, all of which are below $2,000 USD.

Installment Loans

Payday loans are a great way to cover emergency expenses because the approval and disbursement is fast, and the eligibility requirements are minimal, but you usually have to pay them back in a short timeframe. If you don’t like that, then you can opt for an installment loan, which you can pay over several months, be it 3, 6, 9, 12, 24, 36 or even 60 months.


Find the answers to the most frequently asked questions about payday loans $1000 below.

How long does it take to get a $1,000 payday loan?

Most of our recommended lenders, especially ZippyLoan, Viva Payday Loans and CreditClock, will disburse your loan in a maximum of 2-4 hours. Once you’ve been approved, you can expect to receive the $1,000 USD the same day to attend any type of emergency or last minute expense.

Are $1,000 payday loans available in all states?

No, $1,000 payday loans are not available in all states because some of them have a strict cap on how much a payday loan can bring. For example, California has set the maximum amount for payday loans at $300 and Florida at $500. Other states like Nevada and Ohio have set the maximum at $1,000 - and this is a reason why $1000 payday loans are very popular in such regions.

What happens if you don't pay back a $1,000 payday loan?

If you do not pay back the loan on time, then the lender will charge you penalty fees that can be notoriously expensive. If you default on the loan, then this will hurt your credit score even more and make it virtually impossible for you to request a loan at any other company, including bad credit lenders.

Are $1,000 payday loans expensive?

They are more expensive than regular loans, but since we’ve only selected the options with the lowest APR and fees, you can expect to find the best deal. And since you can take advantage of early repayment, you can save even more money since you will counteract the action of the interest.

How much does it cost to get a $1,000 payday loan?

It will depend on the lender, the fees structure and the payment schedule you choose. If you opt for a short-term $1000 payday loan with a flat fee, then you can expect to pay $5-30 USD per every $100 USD you borrow, which would place the total cost of the loan at $1050-1300 USD.

You can also opt for a longer payment schedule - let’s say 3-6 months - and for an APR instead of a flat fee. Our recommended lenders include a calculator that will allow you to see how much you will have to pay back for the loan you’re requesting.

Can you get a $1,000 payday loan with bad credit?

Yes, our recommended companies can bring you a $1,000 payday loan even with bad credit. The best options in this case would be ZippyLoan, Big Buck Loans and Low Credit Finance, because they have the highest approval rate for bad credit customers. And the same applies if you have a limited credit history - these companies are ready to lend you a hand.

Can you get approved if you have low income?

Yes, our recommended company Low Credit Finance offers the highest approval rate for low income borrowers, even if you are currently unemployed. If you have a verifiable income source and you meet their other eligibility requirements, then you will have a big possibility of obtaining the $1,000 USD payday loan.