Best Online Payday Loans Near Me

If you cannot repay your loan on time, you may be charged a late fee, additional interest and this could damage your credit score.

Therefore, if you realize before payday that you are going to struggle to pay your loan on time, you should speak to your lender as soon as possible. The company may be able to delay repayment or offer a payment plan to avoid you going into debt and being charged extra fees.

If you are struggling with debt long-term, you may find that it is worth speaking to a debt charity or debt counsellor to help you. Payday loans are not designed to help people with ongoing debt problems and should only be used when you are certain that you can pay them back.

Loan amounts with Harpsey range from $100 to $35,000 based on factors such as income, credit score, affordability and any outstanding debts that you may have.

You can set up a repayment schedule that pays off your loan in 1 month all the way up to 60 months in equal monthly installments to stretch out your repayments.

You can always repay early if you would like to. If you do, you can save on interest.

The closest and most sensible alternative to payday loans is borrowing money from family and friends. This is usually a free way to borrow money and comes with no credit checks, but just trust and a desire to help a close friend or family member in their time of need. It is important to have some kind of repayment expectation between parties or it can lead to some family conflict.

Other low cost options include 0% credit cards (if you are eligible) or speaking to a credit union, which is typically cheap because it is a non-profit organization.

For other loans with bad credit, you can use cosigner loans, where you get someone you know to agree to repayment on your behalf. You can also consider title loans secured against your car, whereby you temporarily agree ownership of your vehicle to the lender in exchange for 25% to 50% of the car’s value.

This can be another fast way to borrow money, but it can come with high interest rates and you can risk losing your car if you do not make repayments.

Harpsey is a broker meaning that we pair you with the best lenders for your financial needs. We do not charge you any fees for using our service, instead taking a small fee from the lender if your application is successful.

For weekend payday loans, you may find that some stores have restricted opening hours and may only be open on weekdays or just mornings on the weekend. However, if you apply online, most lenders are able to fund 24 hours a day and 7 days a week. 

But if there are any manual checks required such as a phone call from the lender or they need to request proof of income or employment, they may only ask for this on a work day, so applying during the week will usually maximize your chances of getting quick funds.

Payday loans are legal in 37 states including: Alabama, Alaska, California, Colorado, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming

Payday loans are illegal in the remaining states where a price cap of 36% is imposed on any personal or payday loans including:  Arizona, Arkansas, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, Vermont, West Virginia, and the District of Columbia.

When applying for a loan with a connection service like Harpsey, you will be placed with a national provider and product, such as a personal loan or credit card that has a maximum APR of 36%.