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Receive A Payday Advance Online In Less Than 24 Hours – Apply Now With Harpsey!

A payday advance is there to help with short term and emergency expenses. You can borrow $100 to $35,000 through Harpsey and repay it with your next paycheck from work.

Harpsey is on hand to support with payday advance loans to use towards expenses and sudden emergencies with flexible repayment options. Whether you have bad credit, no credit or are looking for no credit check options, you can confirm your eligibility today by clicking below to get started now.


Why Should I Choose Harpsey For Payday Advance Loans?


Harpsey assists those looking for payday advance loans with a completely free of charge service. The way it works is simple – we connect your loan request with reputable US lenders that are most likely to accept your loan application and are willing to provide the funding for your loan quickly and hassle-free. We work with affordable lenders who offer some of the best rates in the market.

There is no impact to your credit score by completing a loan request form through Harpsey and you have no obligation to proceed after completing our loan request form and seeing what loan amounts and rates are available for you.

If you’re thinking about a payday advance loan from a reputable lender with fast funding options and ease of convenience, give us a try by completing our loan request form here. Whether you’re in California, Florida, Ohio or Texas, we work across multiple US states with local and regional loan providers who are ready and waiting to make affordable loans.

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How Do I Apply For A Payday Advance?

We’ve made the process of applying for a payday advance simple and straightforward with everything done online, at the touch of a button. There are three key steps:


Step 1: Fill Out Our Loan Request Form

Fill out our loan request form – it takes less than 5 minutes to complete and it’s completely free. You’ll need to provide some basic information such as your bank account details, employment status, your income, residential address and monthly expenses.

Step 2: See Options Available To You

Once you submit the form to Harpsey, you’ll instantly pre-qualify and be able to see, on screen, the best options for you in terms of which loans have been made available to you including the duration, APR and loan amount based on your own selected preferences.

Step 3: Choose Your Loan

Choose the loan that meets your requirements and confirm acceptance by signing an electronic loan agreement with the loan provider. Once signed, funds are sent to you usually within 1 hour by the provider, but it may take up to 24 hours or occasionally on the next business day. Watch the payday advance arrive into your checking account and use it as you need to.

What Is A Payday Advance? How Does It Work?

A payday advance (also known as a cash advance) is a short term loan made to borrowers who are looking to obtain funding quickly and easily. A payday advance is given in one lump sum and then typically repaid by the borrower on their next payday from work.

Typically, the payday advance is repaid within a 4 week payday cycle (as most people receive their salary each month) but there are sometimes options to spread the payday advance over several months meaning you can manage the repayments more easily over a longer period.

How Do I Know If I’m Eligible For A Payday Advance?

Eligibility for a payday advance is based on meeting the following criteria:

  • US or Canadian resident
  • Over 18 years old
  • Access to a checking account for funds to be deposited
  • Income of at least $800 per month from salary or other means
  • Passing affordability checks designed to ensure you can make monthly repayments
  • Email address and cell phone to confirm the loan
  • No signs of recent bankruptcy action

What Types Of Things Can You Use Payday Advances For?

Many borrowers want to know if there are any restrictions around what a payday advance can be put towards. In our experience, lenders are happy for payday advances to be used for almost any purpose that suits the borrower.

We see payday advances taken out to deal with emergency expenses such as a plumbing leak, a car breakdown, medical cost, funeral payment, household bills or a boiler repair. Payday advances are designed to help you manage cashflow when costs mount up in one month and you don’t quite have enough money to pay for everything in that period.

At the same time, payday advances are also used for other types of expenses like home improvements or to attend to the yard. Despite putting aside money from savings each month, sometimes you just need an extra cash boost to be able to afford the cost. Whether you need to borrow $400, $800, $1,500 or more, a payday advance is a useful loan arrangement to help you when money is a little tight and you do not want to delay.

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Key Features

Loan Amounts $100 to $35,000
Loan Terms 1 to 60 Months
APR 200% to 400%
Same Day Funding Yes
Bad Credit Yes
Direct Lenders Yes
Upfront Fees No

Representative Example


This is an example of a typical loan. Real terms will vary from lender to lender.

Borrow $900 over 3 months, at 400% APR, 3 repayments of $518.92, total repayable $1556.76

Does Harpsey Extend Payday Advances To Those With Bad Credit?

Harpsey can offer those with bad or no credit a simple and convenient way to access payday advances.

Having bad or zero credit should not be an obstacle to getting approved for a payday advance with Harpsey. Many of our trusted lenders understand that everyone’s financial circumstances are different. Together with our US lenders, we look to support those with a range of poor credit histories through affordable lending options.

A perfect credit score does not really exist anymore. Whether you have zero credit, bad credit, below average credit or average credit, Harpsey is here to support your case with our selected panel of flexible and responsive US lenders.

Your credit score may be one of many factors of the loan assessment criteria, but our lenders often place greater weighting on your affordability and cashflow. In order to balance their risk, they may reduce the amount you wish to borrow by a small amount or increase the interest rate they would usually charge to a slightly higher amount. Below is a snapshot of the typical APRs depending on your credit score:


FICO Credit Score Category
Typical APR offered on loan (1%)
720 or higher Excellent 11%
629 – 720 Good 11 – 386
629 or lower Poor 36%*
No credit check No credit check 200%

*Personal finance experts consider 36% to be the max rate for a loan to be generally affordable


You’ll be able to assess whether the overall payday advance is right for you when you pre-qualify for the loan with Harpsey. Before you agree to anything, you’ll be able to consider and evaluate the repayment amounts, duration of the loan and your overall suitability for the loan in question.

Provided you can prove you have a steady and regular flow of income from a stable employment or other workplace, you are likely to be eligible for a payday advance with Harpsey. The key is being able to show your proof of income when it comes to a payday advance in order to demonstrate that you can afford the payday advance repayments without falling into any financial difficulty.

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Does Harpsey Offer Payday Advances Near Me?

Harpsey works with regional US lenders spanning the whole of the US. Whether you’re in Texas, Florida or Illinois, we have US lenders ready and waiting to extend a loan to you. Our payday advance offering is made up from our selected network of online US lenders with a dedicated focus and presence across multiple states in the US.

We offer a matched service which enables you to be connected with the right lender for your loan requirements. All our lenders offer competitive and affordable loan options including payday loans and payday advances. These products are popular due to their short-term funding nature. They are currently available in over 36 US states and we have extensive coverage to offer these through our responsible lenders in those states.

If your US state is not listed, we would still encourage you to apply for a loan with Harpsey as many of our US lenders are able to offer other loan products such as instalment loans, personal loans and other online loans which may be of interest to you.


Does Harpsey Work With Payday Advance Apps?

Yes, many of our payday advance lenders offer customers the added benefit of accessing their loan account through the lender’s app, available on desktop, tablet and mobile. The apps provide customers with a whole range of useful options. Below are some of the most popular features:

Review your upcoming payments
Request a top-up to your payday advance loan
Request a settlement figure to pay-off some or all of payday advance early
Request a change to the repayment dates and duration of the loan
View the balance outstanding on the loan
Update your personal details such as your address and email
Download a copy of the loan T&Cs

Having everything at the touch of a button on your cell phone, tablet and desktop enables you to have greater control and visibility of your loan affairs on-demand and in real-time, which helps to make informed choices.

There are often extra features on some of the payday advance apps that are worth mentioning such as obtaining advice on ways to save money and tips on putting together a budget.

Get started now with Harpsey to be connected with lenders offering payday advance apps.

How Can I Get A Fast Payday Advance?

Many of our US lenders offer same day payday advances to customers that come through Harpsey. If you’re looking to borrow a few hundred dollars, this will usually be processed and paid to you almost instantly once you’ve provided a few simple details and been accepted.

If you’re looking to borrow a slightly larger amount, such if you want to borrow $1,000 to $2,500, this may involve some additional checks to be carried out on your application by the lender. They will typically want to confirm your identity, income and employment information. That said, we still expect our lenders to transfer the payday advance funds to your bank account within a few hours from you being approved, which often happens on the same day.

Loans larger than $2,500 may require the lender to carry out some additional verification. All of this happens efficiently and via an online process.  We would still expect the loan to arrive in your checking account on the same day that you are approved by the lender, but we advise our customers to plan to receive it on the next business day from acceptance.  If you apply during normal working hours (9am to 5pm), this does help to speed up the review of your application, acceptance stage and funding process with the lender.

Finally, once you’ve applied, try to check your email and cell phone for any messages as lenders sometimes have final queries to check off with you before making the loan. If you are available, particularly during working hours to respond quickly to the lender, it can make a big difference to how quickly you can get the loan funds into your bank account.

Can You Pay Back A Payday Advance In Installments?

Yes, it is possible to repay a payday advance loan through multiple monthly instalments over a longer period.

Typically, a payday advance is paid back in full on your next pay date when you receive your monthly pay check. However, many lenders offer the option to spread the payday advance loan over a longer period up to 60 months to enable more flexibility and to put less of a squeeze on your finances.

This can certainly help if you wish to borrow larger amounts of $5,000 to $15,000 or even more (Harpsey offers personal loans up to $30,000) by making the loan more affordable.

With this instalments option, your repayments are made on a monthly basis for the duration of the loan with the same amount, that you agree to up-front, being collected from your bank account on a particular date (such as the 28th) each month.

You do have the option to change the date each month if you wish to, by usually giving around 30 days’ notice to the lender. If your financial situation changes and you decide you want to repay some or all of the payday advance early before the scheduled final repayment date, you will always have the option to do that too.


Can You Get A Payday Advance Without A Credit Check?

Yes, many customers with bad credit can still be approved for a payday advance without needing to undertake a credit check. This is usually offered through the payday loans and payday advance loan product where some lenders opt not to carry out a credit check at all.

With that said, many lenders offering payday loans and payday advances still choose to carry out a credit check as part of their standard checks even if it doesn’t rank highly on their loan acceptance criteria.

There are some other options to avoid going through a credit check. We’ve listed a few below with some points for consideration:

No credit check option Points to consider

Borrow from friends and family



– Always a good option if possible

– Can involve difficult conversations

– Can lead to strained and ruined relationships if you have difficulties repaying the loan

Borrow from a credit union


– Many credit unions work with bad credit borrowers

– Many credit unions don’t run a formal credit check (unlike banks that tend to require good to excellent credit)

– The rate of interest is also generally capped at 18% for credit unions

– It is very competitive and often requires a longer application process and waiting time to obtain the loan

Cash advance apps -Certain cash advance apps offer lending options

– They often require subscription or a fee arrangement

– They typically require repayment on your next payday

Secured loan – Applying for a secured loan such as a title or auto loan often means no credit check is needed

– A secured loan is a loan where you put up an item of value such as your car, home or jewellery as collateral for the lender to have if the loan is not repaid

– The lender will focus on the value of the item as security rather than on your credit score

The other alternative, which we would recommend, is to apply for a loan with Harpsey even if you have bad credit and are worried about being rejected due to the credit check. Harpsey works with specific lenders that specialize in loans for people with bad credit and poor credit histories. They will assess your overall financial picture rather than rely solely on the credit check. Many of our customers are pleasantly surprised when they are accepted for a payday advance or other loan despite their bad credit score.

We always remind our customers that, provided you have a steady income, stable job, and have the cashflow to afford the monthly repayments, you have an excellent chance to obtain the loan you’re after.

What Is Different About Harpsey When It Comes To Payday Advances?

Harpsey’s objective is to enable people to find competitive and affordable loans that suit their needs. We work with only regulated and licensed US lenders who provide responsible lending to thousands of US citizens every day.

We have designed our loan matching process with ease, convenience, speed and simplicity in mind. As part of the loan request form, you have the choice to set the amount you wish to borrow and how long you wish to borrow it for. You’ll get an instant decision once you’ve applied and fast funding once accepted.

The application is all done online through our website with no fees payable. Your credit score is not impacted when you apply because you will pre-qualify enabling you to view the lenders that are interested in lending to you.

Harpsey processes your data securely and with strict controls in accordance with applicable data protection regulations.

To find out more, and see what you can borrow, click to get started now.


The cost of a payday advance will depend on:

– the amount you decide to borrow;

– how much time you request to pay it back over; and

– your overall financial picture such as credit score, cashflow, income and affordability, all of which is assessed by the lender to give the overall rate of interest (APR) that is set by the lender (the APR can typically range from 36% to 500% on payday advances)

Because of the way APR works, it’s expressed as a percentage of the amount of interest you’ll pay on any money you borrow over the course of 1 year. Often with short term loans such as payday advances which typically last just a few weeks, it is presented as a higher figure because it’s showing what the APR would be, if the loan duration was 1 year.

Payday advances of up to few hundred dollars are typically paid within 1 hour of completing the application form. For loans of more than a few hundred dollars, you’ll usually need to provide some proof of income and other information to be eligible. We would expect the loan to be paid to you within a few hours of being approved. However, to err on the side of caution, we say to expect to receive it within 24 hours of being accepted or on the next business day.

Harpsey is not a direct lender. We are a loan intermediary service. We match borrowers looking for short term loans with trusted and reputable online lenders regulated and licensed across the US. Due to our bespoke offering, we connect your loan request with the best lender based on your specific preferences. We don’t charge any fees for applying. We aim to boost your chances of securing a competitive and affordable loan with a responsible US lender who you will sign a direct agreement with if you decide to accept the loan and terms.

If you cannot keep up with your repayments and miss a payment deadline, then you may be charged additional interest on the loan, late penalty fees and it could negatively affect your credit score.

If you feel you are struggling to keep up with your repayments, it is best to speak with your lender as early as possible as they may be able to offer you some options to help you. These may include lowering your interest rate for a period of time, extending the loan term, or giving you extra time, as a grace period, to make any missed payments.

We strongly encourage you to engage with your lender and respond to them. This way, you can avoid any late penalty fees.

Harpsey does not charge any fees for applying – the application is all completely free of charge. Our website is free to use and you will be able to pre-qualify, meaning you get to see which lenders are interested in lending to you. It is completely up to you whether you wish to proceed with any of them and there’s no impact to your credit score through applying. Harpsey may take a small fee from your chosen lender if your application is successful and you decide to accept the loan from them.

Yes, you can apply if you are self-employed. All you need to do is show proof of earnings from your self-employed business. Our lenders fully support self-employed individuals in the same way as those that are employed. Your chances of being approved for a loan will be just as strong as employed applicants.

A payday advance typically lasts anywhere from 14 to 28 days. It is a short term borrowing option with the full amount paid up front by the lender. It is repaid in full when the individual receives their next pay check from work. In addition to repaying the principal amount, the borrower will also repay any accrued interest on the payday advance at the same time.

Harpsey is proud to offer flexible options for those wanting payday advances with longer repayment periods. These can range from 3,6, 12 and up to 60 months to help spread the repayments over time.

Harpsey makes loans available ranging from $100 to $30,000 to eligible applicants. The actual amount you can borrow will be based on a number of factors such as your cashflow, employment status, credit score and debt to income ratio. The larger the loan you wan to borrow, the more proof may be required by our direct lenders.