Best Payday Loans $2000 - How To Get a 2000 Dollar Loan with Bad Credit 2024

Have bad credit, here is how to get a $2000 loan. We have found a list of lenders who are happy to help customers with Bad credit get emergency funds. Our top lender is Zippy Loan, along with a few others that have met the standards for what you’re looking for.

Brand Summary  Score
ZippyLoan Best Payday Loan 10/10
Viva Loans Fast Approval Process 9.5/10 Flexible repayment terms 9.5/10
CreditClock Customer Support is available 24/7 9/10
Big Buck Loans Good for Bad Credit 8/10
Low Credit Finance Good for Low income 8/10
Heart Paydays Low APR Rates 8/10

Did you know that just 43% of Americans could come up with $2,000 for an emergency? Chances are you aren’t part of this group, but that is totally understandable due to the current situation of the work - and we are here to lend you a hand by recommending you the lenders that are willing to bring you payday loans $2000 right now.

Our Number 1 Choice - ZippyLoan: Best $2000 Payday Loan


With minimal eligibility requirements, a high approval rate for bad credit, low income and unemployed customers, and a fast approval and disbursement process, our recommended lenders are your best choice to come up with $2,000 for an emergency or any other situation.

Come with us to learn more about our lenders and how you can apply right now to get the $2000 you need now.

Ranking of the Top 7 Payday Loans $2000 in 2024

Here you have our top recommendations for requesting a payday loan for $2000 right now - and you can choose them based on their best benefit:

Be it the highest approval rate for bad credit, lowest interest and fees, fastest approval or the best overall option, now you can choose your favorite one, apply for your loan in 5 minutes or less and receive the $2000 USD the same day.

In case you want more details about each lender, then the following reviews will bring you all the information you need now.

1. ZippyLoan: Best $2000 Payday Loan


ZippyLoan is the #1 platform to obtain a $2,000 payday loan because they have a high approval rate for all types of customers, you can receive the money the same day thanks to their approval process, you will pay a fair interest rate, and you will get access to better loans once you become a regular client by paying back on time.

ZippyLoan allows you to find the ideal direct lender right on the spot, and since they have the biggest pool of lenders in the US, it’s highly likely that you will find the best possible deal in terms of interest, payment schedule and loan term. 

After testing it and comparing with our other options, especially brokers such as and Heart Paydays, we’ve found that ZippyLoan surpasses them in the majority of areas, making it our best choice.

2. Viva Loans: Fastest $2000 Payday Loan


If you need $2,000 as soon as possible, then Viva Loans is the ideal lender for you. From the application to getting approved and receiving the money in your bank account, this company has been ranked as the fastest lender in the industry for $2000 payday loans.

The application process is quite intuitive and simple since you only have to fill out a few fields - and since they have a high-tech application review system, you will receive a response automatically. Once approved, you will receive the $2000 in your bank account in 1-2 hours.

Their approval rate is amongst the highest, and that includes bad credit, unemployed and low income borrowers.

In regards to the fees and interest rate, they are fair especially for a product of this kind. The higher your credit score, the lower the total cost of the loan will be.

3. Most Affordable $2000 Payday Loan

Payday loans for important amounts like $2,000 can get considerably more expensive because this is where you will feel the real impact of flat fees per every $100 you borrow or the interest rate. 

That’s why we’ve picked as our #3 pick - because it will allow you to find the offer with the lowest APR and fees, so you can get the most affordable $2000 payday loan in 2024.

This broker will find you the best direct lender that is ready to lend you $2,000 right now under the mode of payday loans. Because they have one of the biggest pools of lenders, you can find the most affordable offer the same day.

Their approval and disbursement process is quite fast as well - making it ideal for emergencies and unexpected expenses.

However, keep in mind that you will have to compare different offers instead of getting a loan automatically, so you will have to invest some time into comparing and deciding which one will be the best loan for you.

4. CreditClock: Available 24/7

Credit Clock

Because payday loans were created to solve last minute expenses and emergencies, it’s important to have them available around the clock, something that CreditClock understands perfectly because they are ready to review, approve and disburse your $2,000 payday loan at any time of the day.

On top of that they have some of the lowest fees and interest rates in the industry, in addition to having a high approval rate for the majority of customers, and that includes borrowers with bad credit.

However, keep in mind that it’s harder to get approved if you have low income since their minimum monthly income requirement for $2000 payday loans is slightly higher than average.

5. Big Buck Loans: Best for Bad Credit


Millions of Americans have bad credit, and that’s why Big Buck Loans has decided to lower the bar and allow customers with a low credit score to get approved for a $2,000 payday loan easily. If this is your case, then now you know where you can apply to get the money you need - let’s check more about this lender.

Even though the interest and rates are higher than average, it’s understandable since they’re dealing with a higher risk of default. That’s why they are capable of offering the highest approval rate for bad credit borrowers, in order to help clients like you to get the money they need now.

The approval and disbursement are surprisingly fast - you can get the money the same day, but if you want to maximize your chances, then try to send your application as soon as possible in the morning.

6. Low Credit Finance: Highest Approval for Unemployed and Low Income

Low Credit

Did you know that over 15 million people in the US were laid off in 2022? And the situation in 2024 is likely to get even worse - and that’s why Low Credit Finance is bringing unemployed and low income customers an opportunity to borrow a $2,000 payday loan by only meeting minimal eligibility requirements. 

The interest rate and fees are higher but it’s because these are high risk loans, just like what Big Buck Loans does for bad credit borrowers. However, if you have a good credit score, then you will reduce the total cost of your $2000 payday loan.

They are fast when it comes to approving loans and depositing them in your bank account, so you can rely on them to cover any type of emergency.

7. Heart Paydays: Solid Broker Alternative

Heart Payday

If ZippyLoan or were not capable of finding the ideal $2,000 payday loan for you, then worry not because Heart Paydays is another choice you should consider. Since the payday loans for this sum of money are usually restricted in several US states, it can be harder to find a suitable direct lender.

Heart Paydays will bring you access to a new set of direct lenders willing to lend you $2,000 USD now - and you will be happy to know that the interest rates and fees will be competitive, along with a fast approval and disbursement process.

How to Apply for Your $2000 Payday Loan With Bad Credit

Here’s how you can apply for your payday loan now in only 3 simple steps (even if you’ve never applied for an online loan before):

  • Go to the website of your favorite lender
  • Fill out the application form and wait for their answer
  • Get notified that you’ve been approved and you’ll receive the $2000 in your bank account!

Since our recommended lenders will review your application automatically, you can expect to receive the $2000 USD the same day.

Their automatic review and approval system will make things much easier for you, because they will give you a response as soon as possible, and once you’re approved, you’ll receive the money in your bank account the same day.

Am I Eligible for a $2000 Payday Loan?

Here you have the full list of requirements to see if you will qualify for this payday loan:

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

Even with bad credit and low income, you can get approved by our lenders to receive the $2000 USD you need right now. Don’t wait any longer and send your application now.

What is a Payday Loan $2000?

Here you will understand what this type of loan is and its most important features, in order to see if it’s the solution you need right now.

Features of a $2000 Payday Loan

To understand what a $2000 payday loan is, we need to analyze its main features:

  • Loan Amount: You will receive $2000 in your bank account - no rocket science here
  • Loan Term: Most payday loans must be paid within 7-28 days, but since we’re talking about $2000 USD, then our recommended lenders will allow you to pay it back over several weeks or months - it’s a lot more flexible than you can imagine
  • Interest Rate: It will vary depending on your credit score, which can be as low as 5% for a good credit score or as high as 34% for the lowest credit score. Fortunately, since we’ve only selected the lenders with the lowest fees for $2000 payday loans, you can expect to get an excellent deal
  • Payment Schedule: Even though it's common belief that you need to pay a payday loan in only 1 large sum, it’s not the case for $2000 payday loans. You can pay them in smaller amounts until you pay it all back with interest. However, many customers opt for the classic payday lending schedule, which is paying the loan the next day after they get their paycheck - hence the iconic name of this loan.

As you can see, it’s very similar to a $2000 personal loan, with the difference that some lenders might require you to pay it back as soon as possible in one single payment, while other companies will allow you to pay it back over several weeks or months.

The Real Cost of a $2000 Payday Loan

The cost will vary depending on the payment schedule and the mode you choose. If you opt for a flat fee, then you can easily calculate it since it’s determined per every $100 USD you borrow. If it’s set at $20 per every $100 you borrow, then you’ll have to pay back $2,400 USD in total.

On the other hand, if you opt for a $2000 payday loan based on APR, and for a period of 2 years, then here you have a simulation based on bad credit, which usually requires an APR of 34%: You’ll have to pay $116 per month for 24 months, making it a total of $2784 USD.

Even though you can still get approved with bad credit, it will determine the APR that you will have to pay. The higher your credit score is, the lower the APR will be, and hence, you’ll be able to claim a cheaper $2000 payday loan.

What Are The Uses for a $2000 Payday Loan?

Since our recommended lenders won’t ask intrusive questions about why you need the money, you can use the $2000 for any purpose. Be it for an emergency, medical expenses, tuition fees, an urgent car repair, paying your rent, etc. - just fill out the form, send your application and expect to get approved and receive the money during the same day.

Pros and Cons of $2000 Payday Loans

If you want to make a good decision, then it’s key to compare the pros and cons, and we’ve made it easy for you with the following comparison table:



You can get $2,000 USD easily and fast

Interest and fees can be higher than expected

Get the money you need even with bad credit

$2000 payday loans are not available in all states

Receive $2,000 USD even if you’re unemployed


Use the $2000 for any purpose - no questions asked


Use the payday loan to build your credit history


Get a $2000 payday loan to increase your credit score


Get $2000 to solve any type of emergency



The pros are massively more important than the cons, and hence, it’s a good idea to apply for a $2000 payday loan now - because our lenders are ready to approve you and disburse the money the same day.

The interest and fees for payday loans are higher because it’s a high-risk product. Therefore, lenders need to balance the risk of customers not paying back by rising the prices, but since we have only picked the options with the lowest interest and fees in the market, you can expect to get the best $2000 payday loan deal.


Building this ranking has required us to invest plenty of hours of work, analysis and research - because our methodology targets the most important factors for checking if a $2000 payday loan is worth it or not.

Analyzing the Lender

We start by checking if it’s registered in the states they do business in, if they have a solid reputation on the internet, if they have a clear history, if they disclose more about their company and the team behind it, and if they are free from scandals. If everything looks good here, then we label it as a legit company and then we proceed to check more about it.

Reviewing the APR and Fees

The reality of payday loans is that they are more expensive than a regular loan, but it’s a small price to pay in exchange for getting the $2000 USD you need that other lenders simply won’t bother to lend you. However, we’ve taken all the necessary steps to make sure that you can get access to the cheapest $200 payday loans in the US, even if you have bad credit.

Approval and Disbursement Speed

The sooner you receive the $2000 USD, the better. And it will only be possible if the lender offers a fast approval and disbursement process. Fortunately, our selected companies can approve your application instantly and disburse the $2000 USD the same day. If you want to get the money the fastest, then check out Viva Payday Loans.

Approval Rate

You are requesting a loan because you need the money, and that’s why we’ve only picked the lenders with the highest approval rate - to make it easy for you to get the $2000 USD. Be it for an emergency, fund a new project, cover tuition expenses, or any other situation, our recommended lenders are ready to help you.

Loan Terms

Be it extensions, early repayment, late payment, etc. - we only select the lenders with the best loan terms for you as a borrower. You will be free from abusive practices that will put you at risk as a customer - because our recommended companies bring the best $2000 payday loan offers in 2024.

Customer Support

Be it that you need help during the application process or you want to request an extension, our recommended lenders offer an excellent customer support service, to receive the answers and solutions you need at the right moment. They can help you via live chat, email or phone, and since we’ve tested them all, you can rely on our word that they will sort out your questions or issues quickly. 

Application Process

We believe that lenders must make it as easy as possible to apply for a loan and receive it in record time, and that’s why our selected companies allow you to send the application in as little as 5 minutes. You only need to fill out a couple of fields, send the application and the system will take care of the rest so you can get the $2000 you need as soon as possible.

Mobile Experience

Even though it’s not mandatory for a lender to offer a superb mobile experience, it’s excellent when they do, because it means that you’ll be able to request your payday loan at any place or time of the day. Fortunately, our recommended lenders offer a smooth and quick application process on mobile, be it from iOS, Android or Windows.


If you want to know more about our recommended lenders, then here you have the answers to the most frequently asked questions.

Are $2000 payday loans legal in all US states?

No, they are only available in the US states that allow payday lenders to lend $2,000 or more. Some states prohibit payday loans altogether, while others cap them off at $300, $500 or $1000. The limits vary from state to state, because California limits payday loans at $300 while Oregon limits it at $50,000 USD.

That’s why each state has its own favorite payday loans. For example, the $255 payday loan is the most popular one in California, whereas the $300 payday loan is the favorite pick in Florida.

Is it easy to get a $2000 payday loan with Bad Credit?

Yes, because the eligibility requirements by our lenders are minimal, and you can get approved even with a bad credit score. If you are at least 18 years, a US citizen or permanent resident, and you have a verifiable income source, then you will stand a high chance at getting your application approved. Just make sure that all the information you submit is accurate and real.

How fast can you get a $2000 payday loan?

You can get approved and receive the $2000 in your bank account the same day, usually within 1-4 after sending your application. Our top picks like Viva Payday Loans, ZippyLoan and CreditClock offer the fastest approval and disbursement process in the industry. The sooner you send your application, the higher your chances of receiving the money in 1-2 hours.

Do $2000 payday loans require a credit check?

In the majority of cases, a $2000 payday loan will not require a credit check. Since they focus on verifying your income source and other data, they place your credit score at the bottom of the process. However, if they perform a credit check, then it will be a soft one. If you have a good credit score, then you will get lower fees and APR and boost your chances of getting approved.

Related posts Personal Loans with No Credit Check

Can you get a $2000 payday loan with bad credit?

Yes, you can get approved even with bad credit. Our lenders specialize in servicing customers with low credit scores, by bringing them a chance to get the $2000 they need by meeting other requirements such as having a verifiable source of income.

What’s the cost for a $2000 payday loan?

You can opt for a flat fee per every $100 USD you borrow or a fixed APR. This will depend on the company you choose and the payment schedule you select. For example, a $2000 payday loan with a flat fee could end up costing you $2,100 to $2,600 in total. You can use the built-in calculators that our lenders offer on their websites to check the total cost of the loan you want to request.

Is there a minimum credit score to get approved for a $2000 payday loan?

No, there is no minimum credit score - you can still get approved with a credit score of only 300 points. As long as you have a verifiable source of income, and you meet the other eligibility requirements, then you can get approved by our lenders and receive the $2000 in your bank account the same day.

Can you get a $2000 loan if you’re unemployed?

Yes, if you have an alternative income source, then you can get approved for the loan. In fact, our recommended lender Low Credit Finance is the best choice for low income and unemployed borrowers, because they have the highest approval rate for this type of customer.

What happens if I don’t pay back a $2000 payday loan?

If you don’t pay back the loan, then you will hurt your credit score, limit your opportunities to get a new loan at any other lender, and expose yourself to the burden of debt collection services. That’s why we encourage you to review your finances before applying for this loan, to make sure that you will be able to pay it back on time.