Online Payday Loans

up to $2,500

Click here to find out How it works

Payday SOS Lender Matching Service

Personal loan lenders can help you get out of a short-term financial bind. Thousands of Americans across the country use personal loans to help them pay for emergency expenses like medical expenses, mechanic fees, and bills. When searching for a small loan you may see services like:

These short-term loans are popular because they offer a convenient way to gain quick access to cash. These types of loans can prevent you from paying late fees, overdraft charges, or other penalties.

Just a few reasons why thousands of people have turned to PaydaySOS:

Bank Level Encryption of your data (256 bit Industry Leading SSL encryption)

In transmitting your application data to our lender network we ensure the highest safety of your personal information. Using SSL encryption your personal data is scrambled in route to our servers, and decrypted once it arrives at

You may be able to get your money in as little as 24 hours

Don't be fooled by "1-hour online personal loan" or "1-hour cash advance loan" marketing schemes. While approval for a short-term loan can be fast, usually within minutes, you are not likely to be able to get cash within the hour. Think of the process as depositing a check into your bank account, typically, you have to wait at least 24 hours before the check clears and the money is available for you to use from your account. If you are approved for a personal loan by one of the lenders in our network, you can receive the cash for your emergency in as little as 24 hours and resolve your short term cash problem in no time!

No waiting in line or going into a physical store

Entering your information on is easy and private. From the comfort of your home desktop, laptop, setcook phone, or tablet computer you can complete the entire application without going into a store and waiting in embarrassing lines. The process is easy and private.

Approval for up to $2,500 directly deposited as soon as tomorrow

Once you're approved for a loan with one of the lenders in our network, you could receive up to $2,500 directly deposited into your account as quickly as tomorrow.

Just a few more reasons why people have turned to PaydaySOS:

Our easy online form takes less than 5 minutes to complete: Our online form is already integrated with multiple lenders, one application is all it takes, an online decision is provided within minutes.

Proud member of the Online Lenders Alliance: As a trade organization for the online lending industry, the OLA is dedicated to ensuring that customers are fully informed and fairly treated.

Representative APR Range is not a lender and does not provide short-term loans but refers consumers to lenders who may provide such loans. is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to the information supplied by you in your loan request and your lender. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. For help with any related services consumers may Contact Us.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on.

How does the APR for a single payment small dollar loan compare to other options?
Compare your options for the cost of $100 extension of credit for 14 days:
Product Type (single repayment) Charge APR
NSF + Bounced Check $45.00 1,173.21%
Overdraft Fee $30.00 782.14%
Late Fee $20.00 521.43%

Implications of Non-Payment and other Considerations is not a lender and does not charge any fees for its services. Every lender in the network provides the consumer with specific terms, conditions, and practices prior to the consumer’s acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you. For further details about the above considerations see our Rates & Fees webpage.

Implications of Non-Payment, Late Payment, or Partial Payment

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full or if you make a late payment. cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. has no control of knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. does make an effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair and reasonable manner.

Fees and Interest

If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. is not a lender and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.

Credit Score Impact does not make credit decisions nor does conduct a credit inquiry on consumers. Some lenders on the network may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders typically do not conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. Ultimately, your credit score may or may not be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a Credit Counseling company.

Renewal Policy Information

Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Personal loans are intended to be a short term financial instrument. encourages all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees. If you suspect that you may be unable to pay off a payday advance loan we would recommend that you explore other loan alternatives before applying for a Personal loan.

Collection Practices is not a lender and does not engage in debt collection practices. Your lenders’ collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender we recommend that you discuss this issue with your lender directly. makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct.