Payday Loans Online Same Day Approval 2023 - Direct Lenders No Credit Check

Payday Loans Online Same Day Approval

Do you agree that life can put us in unexpected situations? Putting philosophy apart, it’s true, and it’s the reason why you are here: because you need money right now to handle an unexpected situation with urgent expenses that you need to cover. Our number one lender is Viva Loans as its the best choice for a loan same day. 

We understand your situation because we’ve lived it in our own skin, that feeling of needing money as soon as possible and not being able to get it… and that’s why we’ve built this ranking so that you can rely on the best payday loan online with same day approval to help you alleviate any type of urgent expense.

Be it pending medical bills, unexpected college or tuition expenses, funeral costs, an urgent home repair, or paying your outstanding credit card balance - you can use these loans for any type of need. 

Here you have our ranking so that you can request your loan right now!

Top Payday Loans Online Same Day Deposit  with High Success Rate

Let’s go straight to the point - where you have our complete ranking of the best companies that offer payday loans with same day approval. Choose your favorite one and apply for your loan right now:

If you want to know more about each company to decide which one you should choose, then our reviews will help you. Find them below.

1. Viva Loans: Best Overall Choice for Same Day Payday Loans


Viva Loans - Instant Loans

Welcome Viva Payday Loans, the top choice for getting same day payday loans in the United States. Thanks to their advanced systems, they can process your application fast to release your loan of up to $5,000 in 2 hours (approximately).

Viva Payday Loans, as opposed to other lenders in this sector of the market, brings you up to 24 months to pay back the loan. With so much flexibility, an affordable APR, high limits and quick approval and release, it’s clear why thousands of people in the US choose Viva Payday Loans.

2. Zippy Loan: Best for Bad Credit

Zippy Loan!

If you have a credit score that falls in the fair or poor category, then Zippy Loan is ready to help you with their payday loans for borrowers with bad credit. Even if it’s in the 300 points range, Zippy Loan will approve it if you meet their other requirements such as having a verifiable income source.

Zippy Loan is ready to lend you up to $15,000 USD that you can pay in convenient installments. And thanks to the competitive APR, you can find a good deal even with bad credit.

Only keep in mind that, even though they approve the applications the same day they receive them, this company might take a bit longer to deposit the loan money when compared to Viva Loans and Credit Clock.

3. Credit Clock: Quickest Payday Loans

If you need a payday loan approved as soon as possible, then Credit Clock is the company you’re looking for. They can approve and release your loan in as little as 1 hour, as long as you meet all of their requirements.

Credit Clock is also one of the most affordable lenders of payday loans thanks to their competitive APR and low fees - along with fair early repayment terms. 

It’s the ideal same day payday company because they’re the fastest in the industry - but their customer support service could be better. 

4. Heart Paydays: Broker for Payday Loans

If you want to explore different direct lenders, then Heart Paydays is the broker you are looking for. Thanks to their massive pool of lenders, you can find your ideal payday loan offer in just a couple of clicks.

Heart Paydays is the bridge between you and direct lenders, and thanks to their useful search functions and matching algorithm, you will find your ideal offer quite fast.

However, keep in mind that selecting a direct lender is likely to take longer since you have to screen different offers. If you want to receive it same day, then you need to take action as soon as possible.

5. Low Credit Finance: Borrowers With No Credit History

A limited credit history is one of the main reasons loan applications get rejected, but it’s not the case at Low Credit Finance, because they specialize in bringing same day approval payday loans to borrowers with limited or no credit history.

Low Credit Finance is also quite fast for approving and depositing payday loans - but you need to do it early in the morning to speed up the process.

The application form is intuitive and straightforward - you can complete it in 5 minutes or less, even if you’ve never requested an online loan before.

The con of Low Credit Finance is that they charge a higher APR and fees when compared to our other selected companies, but it's a small price to pay for getting the money you urgently need now.

Brand Summary Score
Viva Loans Great Same-Day Payday Loans 10/10
Zippy Loan Good for Bad Credit  9/10
Credit Clock Low APR Rates 9/10
Heart Paydays Speedy Cash  8/10
Low Credit Finance Fast Approval  8/10

 How to Apply for a Payday Loan with Same Day Approval Online

If you already know what loan to request from our ranking but you don’t know how - then let us explain to you how to request it in just 5 steps:

  • Choose How much you want to borrow
  • Enter your details as requested on the loan provider's website
  • Get an instant response 

As you can see, it’s very easy to apply for your online payday loan and it will not take you longer than 5 minutes, and you can follow the same steps on mobile and desktop.

Because the requirements are minimal, you can get your application approved the same day, and many times it’s instantly. However, keep in mind that the lender might take up to 24 hours to deposit the money in your account, but in the majority of cases, they do it the same day as well.

What Are Online Payday Loans with Same-Day Approval and How Do They Work?

If you are brand new to the world of online payday loans, then it’s highly probable you want to learn more about them in the first place. This concise guide will explain to you what they are and how they work so that you can request yours with total confidence.


A same-day approval payday loan is a loan that gets approved the same day you request it, as long as you meet the requirements such as having a verifiable income source and being at least 18 years old. Furthermore, you will have to pay the installment or the full loan the day after you receive your paycheck.

That’s why many people who are employed are interested in a payday loan because they’re more likely to obtain it. However, our recommended lenders also consider applications from people with alternative income sources - as long as it’s stable and recurrent, you can still stand a chance at getting your petition approved.


Our lenders are capable of approving your loan the same day because the requirements are minimal, and hence, their software and internal systems analyze them instantly. However, it’s still key to be aware of the standards you have to meet - here you have the list:

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

You might be wondering, what about the credit score? The importance of your credit score will depend on the lender you choose, but our recommended companies don’t use it as a decisive factor. Because they offer these products to people like you who need the money urgently but have had a hard time getting a loan due to their credit score. They’re willing to help you, even if you have bad credit.

Furthermore, a stable and verifiable income source is a requirement that will change depending on the lender you choose and how much money you want to borrow. For example., if you want to borrow $1,500 USD, then it’s likely that the lender will require you to have a monthly income of at least $800 per month, and you must have the proper documentation to prove it.

Evaluation and Approval Process

Each lender will use its own systems, software, tech and processes to manage and analyze your loan application. Nonetheless, we can break it down in the following stages:

  • The lender receives your application
  • The system and software analyze it automatically
  • The system issues a response
  • The lender lets you know if you’ve been approved
  • If your petition was approved, then they will proceed to deposit the money.

We’ve only selected the companies with the most efficient systems for evaluating and approving loan applications, because after all, you’re looking for a same day approval payday loan, and this is exactly what our selected lenders will bring you.

Types of Payday Loans Online with Same Day Approval: Find Your Ideal Option Easily

There are different types of same day payday loans, and the best choice will depend on your own needs and goals. Here you will find a complete description of the most important types, so that you can choose wisely.

Same-day payday loan for the unemployed

You don’t have to give up on getting your payday loan if you’re unemployed, because our recommended lenders have a special type of loan for you, for which you can use alternative income sources to fulfill the monthly income requirement.

Same day payday loan for students

If you’re a student then you should look into payday loans for students because they are adapted for your specific needs and goals. Chances are you are working part-time and your verifiable income source won’t be enough to satisfy the requirements of traditional lenders, but thanks to payday loans for students, you will stand a chance at getting your application approved.

Same day payday loan for bad credit

If you have a pretty low credit score, let’s say only 350 points, then most lenders will reject your application. This is the sad reality that thousands of Americans have to face every day, but thanks to bad credit payday loans, now you can obtain the money you need regardless of how bad your credit score is.

Keep in mind that these payday loans are usually attached to a higher APR, but this is the price to pay because only a few lenders are willing to accept customers with bad credit.

Same day payday loan with instant release

This type of payday loan is a dream come true because you will get approved the same day if you meet the requirements, and you’ll receive the loan money instantly. However, you need to keep into account that our selected lenders only offer this special type of loan to their recurrent clients. 

Once a lender knows that you pay back on time and that you are a great customer, then they will do what’s needed to keep you around, and that’s why they will offer you payday loans with instant release. They already know you pay on time and your credit score has been improving as a result, so they can trust you with that kind of offer.

Therefore, if you want to get access to this exclusive benefit, just join any of our recommended companies, request a loan, become a loyal customer and you’ll get loans with instant release.

One hour same day payday loan 

This type of payday loan gets approved the same day and will deposit the money to your bank account in just 1 hour once it’s been approved. This is an ideal choice if you have an urgent expense to cover, and our recommended lenders can offer you this type of assistance.

These loans are usually reserved for recurrent clients, so if you want to have access to this type of loan, then you need to become a loyal customer.

How to Select the Perfect Payday Loan Online with Fast Approval: Our Methodology

Building this ranking has been a challenging mission, because there are dozens of options in the payday loans market in the US. That’s why our team focused on it for all the necessary time, in order to select the best options for same day payday loans - here you will learn how they did it.


Be it a company that brings the loan directly or a broker that allows you to connect with direct lenders who can bring you the money you need, we still need to screen the company to make sure that it’s legal, trustworthy and reputable.

We start by verifying if the company is registered in the states they do business in, because if it’s not, then we discard it immediately. Once this has been verified, then we go ahead and check its history to make sure it’s free from scandals or several complaints, to ensure that you’re dealing with a reputable lender.

The research for verifying if a lender is reputable and legal is a process that requires plenty of resources and several hours of hard work, but we’re happy to do it to protect you as a borrower.


The eligibility requirements must be minimal in order to increase your chances of getting approved. That’s why our recommended same day payday loans only require you to be at least 18 years old, an US resident, have a verifiable source income and a valid bank account. Your credit score can be checked, but it’s not an important factor at the time of approving your application and releasing the loan money.

Application Processing

For a company to get inside our ranking of the best same day payday loans, they need to be at the top of their game for processing applications, by using cutting-edge software and systems. This way they can process and analyze applications fast, in order to let you know if you’ve been approved. Your time is precious, and that’s why our recommended lenders will not make you lose any bit of it.

Approval Rate

We also analyze the approval rate of any of the lenders we recommend, because it’s key for them to approve the majority of applications. Fortunately, our selected companies have the highest approval rate in the industry for online same day payday loans - since you only have to meet minimum requirements.

For example, Viva Loans is ready to approve you even with bad credit and a very limited credit history - bringing you one of the highest approval rates in the industry. This is the type of benefits that our ranking brings you, a viable way to get the money you need with high chances of getting your application approved.


It will vary depending on the lender, the time you will take to pay it back and other factors - nonetheless, we’ve made it sure that our recommended companies offer the lowest APR in the industry for this type of loan. This will help you to save money, especially if you want to pay it within a bigger time frame.

Truth be told, the APR for payday loans is higher than a regular personal loan, but it's a small price to pay in exchange for the convenience and minimum requirements of these financial products. We’ve done all that’s needed to only select the payday loans same day approval with the most affordable APR, even with bad credit. 


The fees can severely drive up the cost of a loan, especially if you have to pay for signup and origination fees. Fortunately, our recommended lenders are free from these fees, in order to make your payday loan a lot more affordable to pay at the end. 

Payday loans are known for being more expensive, but we’ve done our best to only choose the most affordable options such as Viva Loans, Big Buck Loans and Credit Clock, which charge fair fees in addition to a low APR for loans in this segment of the industry.,


Many customers forget to check the repayment terms when requesting a loan online, but this is a huge mistake. This is the exact reason why we’ve selected companies with fair repayment terms that won’t play against you as a borrower. Furthermore, we’ve also made sure that they won’t charge you penalty fees if you decide to repay the loan early.

Our recommended lenders like Viva Loans, Big Buck Loans and Credit Clock will happily accept your early repayment, because the goal here is to lend you a hand when other companies simply won’t do it - but under fair and transparent conditions.

Loan Amount

The amount of money you have to borrow will depend on the nature of your emergency, because it’s cheaper to pay for a pending electrical bill than it is to cover a car repair - and that’s why we’ve only selected lenders that bring you the freedom you need to borrow the necessary money to solve your problems. Be it just $200, $500, $1000 or even $5000+ USD - our listed companies are ready to lend you the same you need with same day approval.

For example, Viva Loan, our #1 choice, is ready to lend you up to $5,000 USD that you can pay the day after you get your paycheck, or you can divide it in several installments up to 24 months. 

Release Time

Same day approval is nice, but it’s much better when it comes along with a fast release of the funds - and this is exactly what our recommended companies can offer you. Even though they don’t promise to deposit your loan instantly, they can do it within 24 hours max. And many times they only take a couple of hours to credit your bank account.

For example, our fastest option is Credit Clock, which can release your loan in less than 1 hour once you’ve been approved. In the second place we have Viva Loans, which can release your loan in 2 hours - allowing you to get money to handle any type of emergency.

Customer Experience

The above factors are the most important by far, but it’s also good to find a lender that brings an excellent, easy and satisfying customer experience. From making it easy to fill out the application to setting up your account in 5 minutes or less - this is the kind of experience that our recommended lenders will bring you.

We’ve also dived into the technical aspects of the lenders we recommend, to ensure that their websites or apps load fast, so you can request your loan as soon as possible and without problems.

Customer Support

We are talking about money, and that’s why it’s mandatory for a lender to bring you efficient customer support service. If you have questions or a problem before or after getting your same day approval payday loan, you can rely on our recommended companies to help you via live chat, phone or email.

Pros and Cons

A good balance of the pros versus cons is an excellent way to see if a same day payday loan is the right fit for you or not. Here you will find all the information to help you decide.


Here you have all the benefits and reasons why you should request a same day payday loan now:

  • Get money fast: Since your payday loan application will be approved the same day you send it if you meet their eligibility requirements, you will get the money fast to handle any type of emergency
  • Get money for any purpose: The beauty of our recommended payday loans is that they won’t ask you endless questions about how you are going to use the money. Just send your application, get the money and use it as you please
  • Get it even with bad credit: Even though every application is still subject to analysis before being approved, our lenders can accept us as a customer even with bad credit. If you’ve been denied other types of loans, then this might be the ideal choice for you. Because options like Low Credit Finance can bring you a loan even with a low credit score and limited credit history
  • Improve your credit score: If you request a payday loan from our ranking and you pay it on time, then you will contribute towards increasing your current credit score. Since you can request a max of $5,000 USD from lenders like Viva Loans, it’s a significant amount that will help you to improve your credit situation
  • Get access to new and better loans: By improving your credit score and becoming a loyal customer of our recommended companies, then you will get access to new and better loans to fund your projects.


The advantages are clear, but because we want to be as transparent as possible, we also must share with you the few cons:

  • Higher APR and Fees: Payday loans are known for being more expensive than a regular loan, but we’ve taken all the necessary steps to only choose the lenders in this category that offer the lowest APR and fees to help you reduce the total cost of your loan
  • Limited Funding: Most payday loans top at $1,000 USD - but our recommended lenders can bring you up to $5,000 USD. It’s still less than what a regular personal loan can bring you, but it’s a good amount that will help you to solve a wide myriad of situations and emergencies.

Verdict: Should you really apply for a same day approval payday loan?

A same day approval payday loan is an excellent choice when you need to pay for something urgently - be it home bills, funeral costs, late tuition fees, medical expenses, etc. Especially if you have bad credit and cannot meet the requirements of traditional loans such as being employed, having a stable income source, etc. 

If this is your case, then a same day payday loan is exactly what you need - because the benefits massively surpass the couple of disadvantages. So, don’t wait any longer and request your loan now.

Best Alternatives to Consider

Do you feel like a same-day payday loan is not the solution you were looking for? Then you don’t have to leave empty-handed, because here you will learn about the best alternatives that might provide you with the money and benefits that you need right now.

Short Term Loans

If you need less than $1,000 USD, let’s say $300 USD, and you want to pay it as soon as possible, for example in 7-14 days, then you should consider requesting one of the best short term loans, because you can get one even with bad credit and if you’re unemployed. As long as you have a verifiable income source, you will stand a chance at getting your application approved.

Installment Loans

If you need to borrow more money than what a normal payday loan can offer you, and you want the flexibility to pay it back over several months, then an installment loan might be the ideal choice for you. Furthermore, they are also cheaper because they offer you a lower APR.

Therefore, you should look into the best bad credit installment loans because you can take advantage of these benefits to get more money under better conditions - only keep in mind that the eligibility requirements might be more strict.

Cash Advance

If a payday loan doesn’t sound like a good deal to you, then a cash advance might be exactly what you need if you have a credit card. A cash advance can bring you as much money as a payday loan and you can get it even sooner - as long as you have a good credit score.

One of the most popular options in this category is a $500 payday loan, which you can obtain even with bad credit and usually within 24 hours.

Collateral Loans

If you are comfortable with using something valuable as a guarantee that you will pay the loan, then you should look into collateral loans. You can use your home, car or any other valuable item to apply for this type of loan. The biggest advantages over a same day payday loan are that you can borrow more money (way over $1,000 USD) and you can get access to a lower APR and less fees.

You can find this option under the spectrum of high-risk personal loans, which are a popular choice amongst people with bad credit that need money as soon as possible. These lenders are always ready to lend you a hand.

Loans for the Unemployed

It can be frustrating to request a loan if you are unemployed because the majority of lenders will reject your application. However, there are lenders willing to bring you a loan if you don’t have a job, even if you’re unemployed on benefits. Some of our lenders like Low Credit Finance can help you with this, as well as the top options like Viva Loans and Big Buck Loans.


With the goal of bringing you even more information about our recommended same day lenders, here you have the answers to the most frequently asked questions.

Can you request a payday loan with same day approval if you have bad credit?

Yes, our recommended companies will be more than happy to approve your payday loan the same day, even if you have a bad credit score. If you meet the minimum monthly income requirement, then you’ll have a high probability of getting your application approved. Just make sure to fill out all the request information so you can increase your chances.

What fees do you have to pay for online payday same day approval?

Our recommended lenders won’t charge you the typical sign up or origination fees, and of course they won’t make you pay upfront fees, because that’s a red flag that might tell you that you’re dealing with a scam company. However, if you fail to pay on time, then the lender might charge you with late payment fees, something that you should avoid at all cost because it will end up hurting your credit score even more.

Do online payday loans with same day approval also deposit the same day?

Even though our recommended lenders will approve your application the same day - as long as you meet their requirements - it doesn’t necessarily mean that they will deposit the money instantly. It can take them up to 1 business day to deposit the sum of your online payday loan, but based on our own experience, they can do it in as little as 1-2 hours. 

To increase your chances of getting the loan money the same day, try to request it early in the morning, because lenders like Credit Clock and Viva Loans can release the money in as little as 1 hour.

Do same day payday loans require a credit check?

Yes, but it depends on the lender. Some of them will not perform a credit check to evaluate your application, and even if they do it, most of them will consider your petition even if you have bad credit. That’s why you should apply regardless of your credit score, because you still stand a good chance of getting your application approved the same day.

Can you get a same day loan online if you are unemployed?

Yes, you can get a same day payday loan even if you’re currently unemployed, as long as you have a verifiable source of income that meets the lender’s requirements. Nowadays, especially after the COVID-19 pandemic, thousands of US citizens had to look for alternative income streams to support themselves.