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Apply For a Same Day Loan With Harpsey Today!

Get approved with Harpsey and receive a loan on the same day. Borrow up to $35,000 (or as little as $100) with funds paid directly into your account within 24 hours or on the next business day.

Start the process by completing our quick and simple online form and get an instant decision now.

Get Your Same Day Loan in 3 Simple Steps


Which type of loan is right for you? Payday, emergency, same-day or installments. Harpsey has them all.

Apply Online

Use Harpsey’s 100% online application for a simple, speedy instant decision.

Money in the Bank

If your application is approved your lender will send funds to your bank within one working day!

Where Can I Receive a Same Day loan?

You can get quick and secure access to a same day loan through Harpsey. As a loans intermediary service, we connect same day loans requests with our network of reputable and regulated lenders who cater to the needs of our savvy borrowers.

Our lenders offer a wide range of loans and are chosen by Harpsey for their responsiveness, fast funding and flexibility.

The process is simple with Harpsey. First, fill out our loan request form. This should take no more than 5 minutes to complete. You’ll receive an instant decision on-screen where you can preview your loan offers.

If you are happy with a particular loan offer and the terms, you can proceed by selecting it. You’ll then receive funding from the lender directly into your account within 24 hours, but often, it takes just a few hours.

What is Harpsey’s Criteria For Same Day Loans?

Harpsey works with a panel of trusted lenders who set certain requirements that need to be satisfied to be eligible to receive a same day loan. Essentially, each borrower must:

• Be a US or Canadian resident
• Be earning at least $800 income per month
• Have access to a live checking account
• Be at least 18 years old
• Have a stable job or other form of employment
• Meet certain affordability checks to ensure they can make the monthly repayments

Key Features 

Legal? Yes
Bad Credit? Yes
Same Day Funding? Yes
Legal? Yes
Direct Lender? Yes
Completely Online? Yes

Representative Example

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

Borrow $700 over 3 months, at 400% APR, 3 repayments of $403.60, total repayable $1210.80

Why Would I Need a Same Day Loan?

There are many reasons why you may need or want a same day loan as they can be used for almost any purpose. You might need to quickly deal with an emergency situation such as an urgent home or car repair.

Or you may need to quickly carry out a debt consolidation where you convert multiple debts into one manageable debt before the interest rates increase. Personal loans can also cover urgent medical problems.

For time-pressured and unexpected situations like these, a same day loan is extremely beneficial and can help you manage these quickly and effectively.

Harpsey would recommend only using same day loans as a temporary measure instead of a longer-term finance option.

What Can Same Day Loans be Used For?

Same day loans are mainly used for emergency type situations where other savings are too low or non-existent to afford to cover the urgent expense and you cannot wait for your next wage. Once your payday has arrived, you can repay the same day loan.

For this reason, some same-day loans are often referred to as payday loans and provide a temporary funding support for borrowers who need access to quick cash to manage unplanned financial affairs.

They typically plug the funding gap for people who are short of cash and who will use their next paycheck to repay the loan.

Certain lenders do have certain specific exclusions when it comes to what you can put the loan towards. For example, gambling or betting activities are usually excluded.

You’ll need to be clear and honest with the lender when asked why you need the same-day loan as this will be part of the eligibility checks they run before agreeing to lend to you.

How Does it Work When it Comes to Same Day Loans?

Essentially, a same-day loan will enable a borrower to receive funds into their bank account on the same day that they are approved by the lender for their loan. Whether you borrow $300 or more, it still needs to be approved.

Usually the funding takes place on the same day as the application and approval, and often within a few hours of your loan request form being accepted. For larger amounts, it may take up to 24 hours or on next working day to receive the money.

As part of the loan request form for a same day loan, you are required to provide some personal information in order for your application to be considered. This typically includes:

-Your full name
-Your date of birth
-Your employment status (and the amount you earn each month)
-The amount of the loan you want to borrow
-The period you want to repay it back over
-Your contact details such as an email address

Although these are the most usual pieces of information you’ll need to provide as part of your application for a same day loan, some lenders do sometimes require additional information depending on the type of loan you are wanting to borrow and the specific lender involved.

Where’s the Best Place to Get Same-Day Loans Near Me?

Harpsey is able to provide many borrowers with competitive same day loan offers and many other forms of short term lending across the US.

This is due to our network of trusted and reputable online lenders who work across over 30 states (including within a huge number of cities and towns) where same-day loans and short term lending is legal.

Harpsey offers a bespoke localized service which means we can help borrowers find the best loan options near to where they live. Our service is free to use and you’ll receive an instant decision on screen within a matter of minutes, enabling you to choose whether or not you want to accept the loan offer made to you.

If you do decide to proceed with the same-day loan offer, you’ll be able to receive the money into your bank account on the same day, or at the latest, on the next business day.

We are proud to be able to offer lending in the following states:

Alabama, California, Colorado, Florida, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Ohio, Tennessee and Texas.

How Can I Get Same Day Loans Fast?

If you’re looking for a same-day loan within a short time-frame, it’s important to understand your options and be clear on the types of features that are important to you, such as:

• The APR on the loan (which is made up from the interest rate plus any fees charged by the lender);

• The monthly payment amount which is based on the loan amount, interest rate and repayment term;

• What types of fees may be charged including any origination fees and late payment fees;

• The speed of funding (whether the lender can fund the loan the same day as approval or whether it will take weeks or months for the money to come through); and

• The payment flexibility (whether you can change your monthly payment due date easily, skip a payment if needed or pause payments during a period of financial difficulties)

By identifying the loan features most important to you, you’ll be able to make informed and effective decisions about what type of same-day loan works best for you based on your financial situation and eligibility.

How Quickly Can I Get a Same Day Loan? I Need it ASAP!

Harpsey is set up to support our users to find the same-day loan that works best for your individual circumstances. We carefully choose lenders that we feel have the strongest offering for our borrowers based on being trusted, responsive and competitive in the market.

Our panel of lenders can accommodate most borrowers based on their financial needs. We continually vet our lenders to ensure they offer the most attractive and diverse same-day loan features. For example, our lenders offer same-day funding meaning they fund the loan on the same day as approval (or latest, on the next business day).

Click “Get Started” to kick-start your same-day loan application today and find a loan that satisfies your borrowing needs from our network of lenders.

In order to give yourself the best chance of being successful as part of your loan application process, we would recommend making sure you double check the details in your application before you press submit (so there’s no inaccuracies that could slow things down).

Try to apply during working hours and be on hand to answer any follow-up questions from our lenders by checking your cell or email for any supplementary queries. This can help you to secure the same-day loan without delay.

Find Your Same Day Loan

Same Day Loans | FAQs

Our lenders typically pay the funds into your bank account within a few hours from your loan application being approved.

We typically advise a 24 hours or next business day funding gap just to be on the cautious side but most borrowers tell us funds have arrived on the same day and some even within 1 hour of being approved.

No, filling out and submitting a loan request application with Harpsey will not impact your credit score in any way. This is because Harpsey allows all borrowers to “pre-qualify” meaning they get to see the best loan offers available to them without it affecting their credit report.

However, if you do decide to accept and proceed with one of the loans made available to you, the lender may carry out a credit check as part of their final approvals and funding.

It is also worth emphasizing that if you fail to keep up with the loan repayments on the amount that you borrow, your credit score is likely to be damaged.

Conversely, if you do take out a loan and maintain a solid track record of making all of your repayments on time and in full, then your credit score will improve as you’ll be building up a good record of borrowing.

No, Harpsey does not charge any fees for its loan intermediary and connection service. It is absolutely free to our users.

Harpsey, as a broker to our panel of trusted lenders, may take a small commission from a specific lender if you decide to proceed with an available loan that’s best suited to your borrowing requirements. This is to ensure we can continue to provide an expert service and to pay our staff.

Repayments are collected by the lender on a selected date for each month of the loan as agreed between you and the lender (for example on the 28th of each month). The repayments typically come out of your bank account automatically.

You can choose to repay a loan over a short, medium or longer period as you wish. Some borrowers wish to repay the entire loan quickly on the next month whereas others prefer to stagger it over a 1-2 year period. Some prefer to have a 4 year repayment period. It all depends on your individual circumstances and what you agree with the lender.

You’ll usually receive reminders leading up to the repayment date to remind you that the repayment is due on the chosen date, just to make sure you have enough money in your account so there are no surprises.