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It is likely you have experienced an unexpected cost in your life or emergency financial expense. Maybe you have incurred a medical bill you were not anticipating or you have been involved in a car accident and you need to repair you car. If this has happened to you and you need to borrow money online instantly to get you through until your next payday, a payday loan could be the best option for you, if your eligibility and circumstances allow.

The lenders we work with on our panel of selected payday lenders, perform soft credit searches on your credit account so that your credit score is not affected and will find you the best payday loan possible for your circumstances. Get started and apply online, whether you need $500 today or if perhaps you need a $1000 loan today.

Payday loan applications in the USA are usually pretty simple and do not take a long time to fill in. It is important to make sure that you are eligible for a payday loan before you apply and that you live in a US state that allows payday loans as not all of them do. For example, you can get online payday loans in Texas, as well as online payday loans in Ohio and same day loans in Kentucky and Iowa. There are many states across the USA which will allow you to receive a payday loan.

Some states in the US also have a cap on how much you can borrow and how high the interest rates can be on your payday loan so it is always good to research and understand your limits even if you live in a state that allows payday loans.

This guide takes you through what a payday loan, how the application process works in the US and how quickly you can have the money in your account.

What Are Payday Loans in the USA For?

A payday loan is a short-term loan, usually over 1 month or a few months which will help tide you over until your next payday. Payday loans can cover you if you are need of immediate cash, but there is usually a higher-than-normal APR rate on payday loans because you are not put through rigorous checks by payday lenders like you may be for other types of loans.

Before you apply it is important to make sure that you will be able to repay the payday loan on time because not paying back your payday loan could have consequences on you in the form of fines or a much worse credit score.

Kallyss can provide different types of payday loans including bad credit loans and installment loans so that you can get the help you need in the USA before your next payday.

How Does a Payday Loan Application Work?

Online payday loan applications can be very extremely simple and you can do it from the comfort of your home from your laptop or tablet.

Fill in the Kallyss form here, stating how much you would like to borrow and when you believe you will be able to pay it back and Kallyss will come back to you within 24 hours. If you agree to the terms of the loan with the payday lender then you can have the money in your account within 1 working day.

It is important that you tell the truth on your payday loan application because the payday lender will likely do a credit check to make sure that everything you said is true and you may delay the payday loan application process if you do not tell the truth.

It is also important to make sure that you are eligible for the loan before you apply, you are eligible for a payday loan in the US if you are:

  • A U.S. resident
  • Over the age of 18
  • In steady employment with a stable income
  • Earn a minimum of $800 per month ($9,600 per year)
  • Possess a valid mobile phone account and number
  • Possess a checking account for the loan to be deposited (if approved)
  • Able to afford the loan repayments
  • Live in a US state that allows payday loans (Maryland, Alabama, Nevada)

How Quickly Can I Get a Payday Loan in the USA?

If you need fast payday loans and you are in the USA, Kallyss can help. Our online submission form allows you to enter your details in less than 5 minutes and receive an instant decision on the screen straight away. Fast payday loans will allow you to take home the money within 1 working day as long as the application process goes smoothly, you agree to the terms of the loan and you have not lied on your application form.