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Check `n Go Online is not a direct lender in Texas, where instead it acts in the capacity as a Credit Services Organization in conjunction with third-party. – Offering Cash Advances & Online Payday Loans with Same Day Direct Deposit! Not only do we use safe payday loans online that direct deposit. MoneyMutual has lenders willing to offer payday loans for financial emergencies. Paycheck Advance. You can get a paycheck advance directly from.

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Do I Need A Payday Loan Direct Lender?

Swift Money

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If you find yourself stuck in a difficult financial situation, there is always a solution. Sometimes using a payday loans direct lender can get you out of trouble with zero stress and very little effort.

A payday loan is a small amount of money which is borrowed and then repaid over a short period of time. They are specifically focused on getting you out of any financial emergencies in the short term. If you find that you have suddenly run into a problem without preparation, then a payday loan is a useful way out.

These particular loans are focused on smaller amounts and are very accessible. As long as you meet the required criteria, you could have the money deposited into your bank account within minutes. This way, you really can get your money fast without any lengthy applications or holdups.

With very high acceptance rates, a super efficient application process, and almost instant money deposits, payday loans are a great solution. At Swift Money®, we can make this a simple reality through our easy and efficient services. Here is our guide on everything you need to know about using payday loans from a direct lender to give you the financial assistance you need.

Should I Get A Payday Loan?

We all find ourselves in difficult situations that we just aren't prepared for or don't expect. When these arrive, they can often cause some serious financial strain. When you feel this kind of pressure, know that there is a definite solution without any repercussions.

If you need to cover unexpected car repairs or bills then a short term loan is always a helpful option. These payday loans direct lender services also come in very handy for any tough medical expenses which you weren't prepared for, unexpeced car repairs, faulty washing machine, and much more.

At Swift Money®, we do not stipulate what you are borrowing for or ask for any proof of this, if you are in need of funds to help with a short term issue, then applying for a payday loan may be exactly what you need.

How Does Your Payday Loan Direct Lender Service Work?

While we are not a payday loan direct lender, we provide a credit matching service. This means that we will approach all lenders directly in order to sort everything out. This makes things easier for you, as well as gives you more assurance of your loan.

As a service finding you the best rates for borrowing, we help you to apply for and receive that loan you need all from the comfort of your home. We offer a completely transparent service with zero hidden fees, secrets, stress or hidden conditions. Simply put, if you need money, we can provide it in the easiest way possible.

Instead of searching through the many different money lenders out there with the hopes of finding a trustworthy one, we do all of that for you. This way you can just tell us what you need, and we will handle all of the details. We handle all applications with a real sense of urgency, allowing you to receive your money fast.

How Do I Get A Payday Loan Through Swift Money®

Our service is fully transparent and trustworthy. We hide nothing from you in order to make the entire experience as smooth as possible. When using our services, the process is made up of four different areas. Submit Your Application
First, you will need to submit an application. This application form can be found and completed online. There are no difficult questions or documents required here - just a straightforward and to the point process.

Await The Outcome
Once we have received this and know how much money you will require, we will send your application out to over 20 UK payday loansdirect lender companies. As soon as a decision is made here, you will be contacted straight away confirming the outcome.

Get Access To Your Loan Agreement
At this point, you will gain access to your loan agreement. All this requires is a quick signing off of the agreement once you are happy with all that it involves.

Receive Your Money
Once your agreement is signed, the money is yours. Your money will be processed for dispatch when the lender has received your approved application. It can take as quick as 10 minutes for the funds to reach your bank account, though this will vary according to your bank.

Who Can Apply?

All of our customers are treated fairly and equally. As long as you meet a few basic requirements, you can easily apply through us.

Before submitting your application, it is important to understand a few things. Payday loans are not for the long run. If you are looking for a long term solution, then getting a short term loan is not the answer. These loans must not be used to cover any existing debts you have already. You also need to be sure that you will be able to make the payments before applying.

Even if you have bad credit, you can still apply. The application is simple and extremely efficient. All applications are done online for added convenience. As long as you can prove that you will make the payments, your loan will be given.

Why Choose Swift Money®?

Getting into a tricky financial situation is often easier to get into than out of. If you feel that this is the case, then turning to a payday loans direct lender is a good move. At Swift Money®, we will provide all of the service and efficiency which you will need to get that loan into your bank account.

Finding a suitable UK lender can be extremely difficult and confusing. This is why we handle that for you. Once you have submitted your application through us, we will then find the best solution available to you. This makes your entire loan process far smoother.

All it takes is a few clicks, and the money you need could land in your bank account within 10 minutes. Dealing with your financial problem really can't get any easier than that.

FCA Register

Swift Money Ltd are authorized and regulated by the Financial Conduct Authority (FCA)
Authorization can be checked on the FCA register at:
FCA Firm reference Number: 738569

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Swift Money is rated 4.59 stars by, based on 201 reviews


Copyright 息 2021 - Swift Money Ltd. Registered in England and Wales.

Company Number: 07552504
FCA Authorised: 738569
Data Protection: ZA069965


Swift Money Ltd
1-3 The Courtyard
Calvin Street

Tel: 0800 567 7444

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  • is a registered trading Name of Swift Money Limited which operate a credit brokering service. Swift Money Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 738569. Swift Money Limited is registered in the United Kingdom. Principal place of business: 1-3, The Courtyard, Calvin Street, Bolton, Lancashire, BL1 8PB
    Swift Money are not a direct lender. If you complete an application through our website, it will be shown to our lending and broker partners for their consideration.
    We do not charge any fees for the use of our service, but we do receive a commission from our lending and broker partners following successful introductions from our website. Any information we provide is for the purposes of illustrating the lending process only and should not be read as financial advice.

    Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

    Best for instant approvals

    CashNet is a Payday lending service that avails short-term loans. They pride themselves on being able to provide instant approvals and next day cash payments.

    CashNet does not discriminate and according to their website, work with people with all credit scores. This can come in handy if you are looking for finances urgently and your credit score is not that high. All you need to do is log on to their website and furnish them with your details. These will include your date of birth, your name, address, email, phone number, social security number, and any other relevant work details.

    The application process is a 5-minute process, and approval decisions are sent you via email. You will then have the funds deposited in your bank account the next day. This will, however, depend on just how soon the loan is approved. Once you have received the funds, the loan will be repaid in full on your payday.

    CashNet avails loan amounts of between $255 and $500 and their loan fees range between $10 and $45 per $100 borrowed. Additionally, their APR ranges between 205% and 800% with a repayment term of between two weeks and 15 months.

    Cashnetusa loan app company logo
    • Flexible repayment periods of between two weeks and 15 months.
    • Early repayment earns you refunds on the loan fees.
    • 5-minute application process and next day cash payment.
    • Not available in all states.
    • They share your information with third-party advertisers.

    9.Rise Best Payday Membership

    Money Lion is another membership app that offers other things than just payday loans. This is probably one of the most complete payday loan apps and the most diverse name from this list since you can go for traditional personal loans and even some credit cards that offer up to 12% cashback.

    From an app perspective, the firm allows for cash advancements of up to $250 in literally no time. The reason why it is so fast is that the company offer their own checkings and savings accounts. This allows employers to pay or deposit your paycheck directly with Money Lion. In other words, whenever you request an advancement the firm will simply credit the funds directly into your account, this will allow for almost immediate access to the funds.

    Take into consideration that Money Lion offers an app that is definitely at the level of some of the ones offered by most traditional financial institutions. Don't forget that you can easily request your money to be deposited here in order to take advantage of the benefits of the firm, and still send your money to your regular bank account each month. Not every individual feels comfortable having savings and checkings accounts with relatively new firms. There is a risk associated with it, but once you see all the benefits and also the backing of the firm, it becomes more appealing.

    Something worth mentioning is the fact that you can request a personal loan of up to $500 automatically from the app. Even though you will be charged an interest rate for borrowing in a period of 12 months, it is still one of the cheapest options in the market. Having to pay less than 6% for individuals with high risk is absolutely nothing when compared to the rest of the market.

    • Free Money Management App: Not only does the firm offers the ability to borrow money in a fast an easy way, but the app also offers money management capabilities.
    • Report to Credit Bureaus: the app lets you build your credit limit by reporting you repayment activity to the credit reference bureaus.
    • Minimum Credit Score 640: the high minimum credit score requirements acts as a barrier for many potential borrowers
    • The app is only available in some states

    Differentiating between borrow money apps and payday loans

    There is a slight difference between borrow money apps and payday loans. A borrow money app is, for instance, considered a small-dollar lender as they tend to offer lower cash advances in comparison to payday lenders. Borrow money apps are also less intrusive and consider your current financial situation and not the credit history in determining how much they can advance you, unlike most payday lenders that conduct a soft search of your credit report.

    More importantly, while most payday lenders look into your creditworthiness to determine how much they can lend a client, a borrow money app adopts a graduated loan scale. They start by advancing small loan amounts but increase it with every subsequent loan application. 

    Conclusion – Which is the best loan app?

    Compared to all the other loan apps that have been reviewed in this post, Viva Payday Loans stands out for its presence in all states. Additionally, we recommend this particular lender because of the fast approvals that it makes and the favorable repayment terms. Viva Payday Loans also is a good lender if you are looking to borrow both small and large amounts as well.

    And as you make this decision, you will do well to remember that just as reliability and speed of the payday loan apps come in handy in addressing urgent cash needs, it can also tempt you into unhealthy over reliance on debts that in effect traps you into a debt cycle.

    Glossary Of Loaning Terms


    💸 Which is the best payday loan app?

    Different payday loan apps often have varied offerings that make them stand out from the competition. Some like CashNetUSA place more emphasis on their efficiency and competitive loan pricing, while others like Earnin claim to offer larger loan amounts. Consider carefully your choice of the best payday loan make sure the provider you choose is the most relevant to your circumstances.

    💸 Which loan apps are compatible with iPhone and Android?

    In 2021, almost all loan and payday loan apps cater for both Android and iOS. If you are concerned however, when reviewing each company look for the corresponding logos to confirm that your device is covered. If you are still struggling to find confirmation with the apps support literature you can always contact the loan company directly.

    💸 How do I download a pay advance app?

    Most of the loan apps are available for download on the lender’s websites or within the app store for android phones and Apple store for iOS smartphones. And they are availed to you free of charge.

    💸 For how much can I be approved on a loan app?

    A loan will either have a maximum loan limit – especially the payday loan apps – or operate a graduated available loan scale that depends on such factors as your credit rating, ability to repay and previous loan repayment history. These specifics alongside other factors determining the maximum loan amounts advanced to different types of borrowers will be clearly spelled out in the app’s terms and conditions. No, most operate like the conventional payday loan dispensing store by the street corner. They will only ask for proof of such details as your identity, employment history, and annual incomes. Some will, however, pull the credit report before they can unlock higher loan limits for you.

    💸 What do I need to qualify for cash advanced on a loan app?

    Understand that different loan apps adopt different loan qualification requirements. At the very basic however you must be a U.S resident above the age of majority and with a reliable source of income. You will also need to have an active bank account and a phone number. Some will also have stipulations dictating the minimum annual income need to qualify for a loan.

    💸 What is a borrow money app?

    A borrow money app refers to an iOS or Android-based mobile application that is specially designed to help its users access short term loans. They are often referred to as small-dollar loan mobile money apps as they specialize in offering small short-term loans.

    💸 How do I apply for cash from a cash advance app?

    Its simple, decide on the cash advance app you wish to borrow from and download their app from Google play or an apple store. Complete the registration process and proceed to apply for a short-term loan.

    💸 How much can I borrow from a borrow money app?

    Most borrow money apps, have an upper limit on how much they can lend a client – averaging $5,000. You, however, will not always qualify for the maximum loan limit on your first application. Most borrow money apps will at first offer you a loan minimum and increase these amounts gradually with each subsequent loan application.

    💸 What is the interest charged by a borrow money app?

    Like payday loan providers, a mobile money app must conform to the federal maximum loan interest limit of 36%. The interest charged on a borrow money app loan will, however, be dependent on such factors as the repayment period, amounts advanced, and borrowing history.

    See our full list of money loan app providers





    Best for high credit limits