Instant Loans

Quick Instant Payday LoanAre you in need of fast cash, but your bad credit score is preventing you from getting it? You are not alone. In fact, many borrowers with poor credit scores end up being rejected by traditional banks when they apply for loans since they are considered as high-risk borrowers. You can visit different banks, and you’ll face not only loan rejection but also a negative record on your credit history that can further pull down your rating. Lending companies that offer instant loans are different from traditional banks. They offer a higher chance of approval for any kind of borrower, regardless of their credit scores.

If you need help finding a website that offers instant approval from direct lenders, US Financer is here to help. We offer a free service that lets you compare rates, terms, and other information when applying for an instant loan for bad credit. You can look at various payday loan providers or sites offering instant cash loans and see which one is right for you.

US Financer will help you get access to lenders who do not need a credit check or will look past your low credit score. We are here to bridge the gap so more people can get an instant payday loan for bad credit.

We know how difficult it can be to get payday loans for bad credit instant approval, so feel free to browse around the site and read on for more information.

Loan Amount Up to $5000
Interest Rate Varies
Lender Direct Lender
Min. Credit Score None
Loan Terms Short Term & Long Term

Instant Loans or Pay Day Loan For Your Money Needs

Many financial institutions provide straightforward online tools on their site for borrowers who wanted to apply for a personal loan or payday loans. You can utilize these online application methods if you’re going to apply for a loan or learn about why you needed a loan. You can also quickly see the terms of of repayment and if they require a credit check before letting you open a line of debt.

Here’s a list of benefits of availing instant payday loans through an online application process.

  1. It is a fast and convenient – payday funds offer you the chance to process your application in the comfort of your own home. No need to fax documents and other requirements since the application for this quick loan is uncomplicated.
  2. Save a generous amount of money – other loan applications are packed with extra charges that might increase the amount of repayment or EMIs. With the online loan application process, you won’t face any of these additional fees, allowing you to save some money.
  3. EMI and other Calculators – instant payday loan lenders see to it that their site offers loan calculators that will enable borrowers to asses and calculate the interest rates and loan repayment amount or EMIs of the loan.
  4. Easily accessible information – all the essential information that you need to know about payday loans can be found on the website. These include the loan application procedure, eligibility criteria, terms and conditions, processing fees, extra charges, repayment options, documents, and other tiny details that concern the payday loan.
  5. Fewer documentation – compared to banks, a loan payday does not require intricate verification and documentation. Instant loan lenders and pay loan business don’t focus on the borrower’s credit score, and they don’t ask for collateral. In fact, they specifically offer their services to those with bad credit. The only documents that they ask to approve your application are your income, age, employment or business info, residency, and bank account details.

Where Can I Go to Borrow Money Fast?

Instant loans offered by payday loans companies can help you access the urgent money that you need often on the same business day. However, be careful since this type of loan is famous for having higher annual percentage rates in the terms of repayment. You can apply for debt that are offered by legitimate online lenders since they have cheaper prices, but the process might take several business days. So, if you prefer instant payday loans, make sure you have everything you need before you apply. This will speed up your application to give you the funds that you need right within one business day.

Instant Loan Alternatives

Before you decide to avail of the instant loan, here are other loan or business alternatives that you should try out first:

  • Ask help from religious organizations and local nonprofit charities.
  • Apply for an alternative payday loan offered by the credit union.
  • Seek for a pawnshop loan secured by something valuable that you own.
  • Ask your employer for a cash advance on your paycheck or utilize an app called Earnin.
  • Borrow from your family members or friends

Which App gives instant loans?

Getting funds within the same business day is important to a lot of people. Here are some quick avenues to explore.


Earnin provides an instant way of how you can advance on your incoming salary without the need to fill out an application or pay a fixed amount. You just need to download it, link it to your bank account, and obtain an advance of as much as $500.

Speedy Cash

Speedy cash is made to assist borrowers in handling their short-term loans. Besides this, the app also offers a cash advance loan that is payable using your next salary. Speedy cash also handles instalment loans, auto title loans, and lines of credit.


MoneyLion is an all-in-one personal finance app that also provides short-term personal loans. It offers a free checking account, credit monitoring, 0% APR cash advances, and credit-builder loans of as much as $500 with a minimum of 5.99% APR. Apart from this, you can also earn gift cards and cash back rewards if you manage to maintain your finances in good standing.


Dave is known as a banking app that provides zero-interest loans curated to prevent overdraft charges. It is an ideal option if you are having problems sticking to your budget. Dave will send you an alert if you’re about to use up all your funds or if you’re expecting regular expenses such as utilities and rent.


Just like the app Dave, Bigit is also engineered to assist users in preventing overdraft charges on their bank. It is a simple and straightforward app that only focuses on doing one thing: providing you entry to pay advance in case you are at risk of overdrawing your account.

Can I Get a Loan with Really Bad Credit?

Even with bad credit, you can still apply for instant loans and get the money in one business day. Many lenders are willing to offer you loans also if your credit score is not that favorable. Though they will perform a credit check, the result won’t affect the approval rate of your request. This is because they understand that you are more than the information on your credit history that they obtain during the credit checks.

When you decide to apply for an instant loan, make sure you use US Financer to do your research on different lenders. When you apply for a loan with us, you will save time and be assured of instant approval. Take note that instant cash loans can be a great financial option if you know how to use it right away.