5 Best Fast Loans – Quick & Fast Cash Loans Online For Bad Credit & Payday In 2022

Fast loans are life savers when you’re in a financial pickle. Millions of Americans have made use of fast cash loans at one time or another. So, whether you’re strapped for cash because you’ve just forked out hundreds for a home repair, bought an expensive birthday present, or covered an emergency expense, fast online loans will get you a cash advance to live comfortably until your next payday.

Using loan finder services such as Viva Payday Loans ensures that you access the best fast online loans with minimal hassle. While it isn’t guaranteed that using such a service will result in loan approval, you stand a better chance because your application reaches a broad selection of lenders most likely to approve your loan. Even those with bad credit or no credit history are welcome to process applications for fast loans via Vivapaydayloans.com. While there are several fast cash loans providers, it can be hard to make a selection. This article presents the top five fast loans providers (editor’s pick) and what makes them a viable choice.

Best Fast Loans 2022 – Quick Overview

  1. Viva Payday Loans – Best Fast Payday Loans Overall For Quick Disbursement
  2. Heart Paydays – Best For Bad Credit Fast Loans Welcoming All FICO Scores
  3. Credit Clock – Best For Quick & Easy Loan Approval
  4. Money Lender Squad – Best For Fast Online Application
  5. Very Merry Loans – Best For Small Loans Paid Out Same Day

General Eligibility Criteria For Fast Loans

If you want to benefit from fast loans online, you must meet the following criteria:

· 18 years old minimum

· Permanent US address

· Earn at least $1,000 per month

· Not be over indebted

· Have a bank account

Even if you’ve got a poor credit score but meet these criteria, you are eligible to apply for fast loans for bad credit via the Vivapaydayloans.com portal.

5 Best Fast Payday Loans – Full Reviews

If you’re in the market for fast loans online, here’s a brief overview of everything you need to know about the top online fast cash loans providers in the US.

  1. Viva Payday Loans – Best Fast Payday Loans Overall For Quick Disbursement



· Disbursement within 60 minutes of approval

· Get up to $5,000.

· Repayments over 2 to 24 months.


· Interest of up to 35.99%.

Viva Payday Loans is one of the best fast loans apps providing access to lenders that get the job done. There is no waiting around when using Vivapaydayloans.com. Once a loan is approved, the cash is paid out into your bank account as fast as possible. It’s not unusual for borrowers to get the money in their bank account within one hour, subject to lender approval. While interest rates can be high, some lenders reduce their rates to remain competitive. For this reason, interest can range from 5.99% to 35.99% for fast payday loans. To be a successful applicant, you must be 18 or older, have a permanent residence in the US, hold a permanent job and earn sufficient income to cover the cost of the loan installments along with your other monthly expenses.

Click here to request funds at Viva Payday Loans >

  1. Heart Paydays – Best For Welcoming All FICO Scores



· Affordable monthly repayments

· Low FICO scores welcome to apply

· Application feedback guaranteed in 2 minutes


· Expensive form of borrowing

Heart Paydays does not discriminate against borrowers, even those without a credit history or those who are specifically looking for fast loans for bad credit. When using this loan finder service, you will have the advantage of being connected with lenders who are most likely to assist you, even if your credit score is low. Of course, there are affordability checks in place to ensure that borrowers can afford the loans they are applying for. Fast loans via the Heart Paydays portal come with APRs of 5.99% to 35.99% and range in size from $100 to $5,000. If you earn at least $1,000 per month, have a permanent residence in the US, and are at least 18 years old, you can apply today.

Click here to request funds Heart Paydays >

  1. Credit Clock – Best For Quick & Easy Loan Approval



· 100% loan finder service

· Super-fast online application

· Fast disbursement


· Interest rates can be as high as 35.99%

Credit Clock puts borrowers in touch with lenders that offer affordable, fast loans in the US. As a reputable loan finder, Credit Clock presents borrowers searching for fast payday loans with viable loan packages ranging from $100 to $5,000 with 2 to 24 months to pay. While lenders try to keep interest rates competitive, you will find that most packages available through Credit Clock include between 5.99% and 35.99% interest. That said, the cost of the loan seems worth it when you consider the convenience offered and quick payout too. If you earn $1,000 per month, have a valid form of ID, are at least 18 years old, and are a permanent resident of the US, you’re eligible for fast payday loans through Credit Clock – you just have to apply!

Click here to request funds at Credit Clock >

  1. Money Lender Squad – Best For Fast Online Application



· Online application takes minutes

· Get up to $5,000 in your account today

· Panel of lenders to choose from


· Not all applications are approved

Money Lender Squad is an excellent alternative if you’re tired of the red tape often associated with traditional bank loans. This loan finder site helps borrowers select the best fast loans online by applying just once. The online system is geared towards ultimate simplicity. All you have to do is input how much you want to borrow and the intended repayment period. Then, provide your details (name, ID, address, employment details, bank account, and a list of your monthly expenses), and the best options for fast cash loans will be presented to you within minutes.

Most fast payday loans through Money Lender Squad include interest of no more than 35.99%, and you can borrow between $100 and $5,000 with 2 to 24 months to settle your account. The requirements to apply are very simple as well. You must be 18 years old, earn a minimum of $1,000 per month, have a valid bank account, and be a permanent resident of the US – that’s it!

Click here to request funds at Money Lender Squad >

  1. Very Merry Loans – Best For Small Loans Paid Out Same Day



· Easy loan terms

· 2-minute online application

· Get cash out on the same day


· Small loans of up to $2,000 only

If you’re not looking for a big loan, the fast loans available through Very Merry Loans are ideal. These loan packages are kept purposefully small to ensure easy repayment so that you won’t find any fast payday loans of more than $2,000 here. APRs are in the range of 5.99% and 35.99%. Best of all, lenders that Very Merry Loans will connect you with have a habit of paying out loans on the same day they are approved.

Applicants can fill in the online form in a matter of minutes, and it’s guaranteed for the system to take just 2 minutes to advise if your application has been approved or denied. It’s best to have your documents readily available when you apply for fast cash loans, as most lenders will request these immediately after you have been pre-approved. Documents you will need include your proof of address (a utility bill works), salary slip, bank statements, and your valid form of ID.

Click here to request funds at Very Merry Loans >

What Are Fast Payday Loans?

Fast payday loans are often fast loans for bad credit borrowers or people who do not have the time to wait for the bank’s lengthy processes to get the cash they need. These loans work on a basic loan model. The borrower requests funds and indicates the repayment period that would work best for them. The lender offering instant or fast cash loans will present an offer detailing the interest amount (typically between 5.99% and 35.99%, depending on the state) and the terms of the loan. If the borrower accepts the terms, the loan contract must be signed, and the lender will, usually on the same day, transfer the funds into the borrower’s bank account.

The borrower must then repay the instant loan in small monthly installments that include interest until the loan amount is paid in full. Penalties for late or early payments may apply, depending on the lender and the agreed fast loan contract terms.

How We Chose The Best Fast Loans

Borrowers searching the internet for fast cash loans will discover a multitude of options at their fingertips. However, finding loans that tick all the boxes in terms of low-interest rates, flexible repayment plans, and transparency can be challenging. For this reason, when putting this guide together, we researched the top fast payday loans online that offer quick cash with same-day deposits. We made it our top priority to find same-day lenders that focus on providing fast loans to borrowers in need of cash in a hurry without applying high-interest rates or formidable payment schedules as typically seen with other fast loans online. Below are some of the criteria we used to compile this list of loan finder sites.

  • Loan finders that connect borrowers to lenders directly

  • Excellent reputation for good lending practices and transparency

  • Easy, comprehensive loan types and terms

  • Interest rate band of 5.99% to 35.99%

  • Sites that welcome borrowers requiring fast cash loans for bad credit

  • Fast matching services and response time

  • Access to a pool of potential lenders simultaneously

Advantages of Fast Payday Loans

Access To Fast Cash

Many borrowers have experienced the lengthy application and decision processes of traditional banks. This can make waiting for your much-needed cash rather frustrating and worrying if the funds are required for an emergency. Fast payday loans are the exact opposite of this situation. In most cases, they are approved and paid out on the same day as the loan approval. For this reason, borrowers often turn to loan matching sites where they are connected to lenders most likely to approve their fast cash loans with the understanding that payment is typically on the same day and in as little as 60-minutes!

Easy Loans For Poor Credit

Loan matching sites such as Money Lending Squad, Very Merry Loans, Viva Payday Loans, and Credit Clock are not only for those with great credit scores. Those with poor credit can easily apply for fast loans for bad credit. However, while we don’t facilitate credit checks, the lenders you connect with may request one during the application process. But that’s not to say you will be rejected for a loan; many lenders offer bad credit borrowers the opportunity to loan the much-needed cash they are after if they can afford the loan. Lenders determine if the borrower can afford the repayments by conducting an affordability check. Most lenders will agree to fast loans for bad credit if the borrower can afford it and their current finances are in good order.

Fast Online Approval Process

Fast cash loans need to be precisely that, fast! This is excellent news for those applying for fast loans online because it’s pretty standard to receive an almost instant response. In a matter of minutes, you know if you qualify for the loan, which is great when you don’t have the time to spare. In addition, lenders via loan matching sites such as the ones in this guide utilize automated systems and top-notch technologies, enabling borrowers to action their applications quickly and easily. Furthermore, most lenders introduced by the loan finders sites mentioned in this article make sure that feedback on the loan request is provided to the borrower in as little as two minutes.

Choice Between Interest Rates

Loan finder or loan matching services provide borrowers with access to many lenders simultaneously. This means you can choose between lenders using their interest rates to compare them, giving you direct control over your loan choice. In addition, many lenders are competitively minded and will want to secure your business; as a result, you may even be able to negotiate with them and reduce the interest rate they are offering.

Convenient Online Application Process

Applying for fast cash loans online eliminates the need to stand in long queues or attend face-to-face meetings, typically seen with traditional lenders. Instead, borrowers can apply from the comfort of their own home and couch, saving them time and hassle as the entire process is done online. The online process handles the initial application and manages the loan process right until funds are paid into your bank.

Top Alternatives To Fast Cash Loans

Credit Unions

Not many borrowers are aware of credit unions and the way they work. Credit unions are non-profit, self-help co-operatives. The way they work is pretty simple. Union members pool their cash which is then used to help members obtain low-interest credit, aka fast cash loans. Members benefit from this arrangement by receiving earnings in the form of low-interest credit and fees. So if you belong to a credit union, you may be able to access a low-cost credit union loan to resolve your financial constraints.

Peer to Peer lending

If you are looking to cut out the proverbial middle man, then peer-to-peer lending may be your solution. P2P enables borrowers to loan money from real people; this cuts out financial institutions. Its also known as crowdfunding or social lending and is offered to borrowers through online services matching borrowers to potential lenders. Qualifying criteria for P2P lending are less rigorous than those seen with traditional high-street banks.

Secured Loans

Secured loans are, as the name suggests, secured. They require collateral to secure the loan, from property to vehicles or expensive equipment. Borrowers using loan finders sites to get secured loans will need to discuss the types of collateral they can offer with the lender directly, as each lender has different requirements. Here’s how it works. Lenders will access the value of the collateral you want to use to secure the loan and offer a percentage of its value rather than its total value.

Bank Loans

Bank loans are a tough form of finance to obtain. They have strict lending criteria and require a good credit score and proof of affordability before borrowers can gain loan approval. The advantage of a bank loan is that borrowers can obtain lower interest rates and apply for larger loan values, FICO score dependent. Applying for a bank loan is pretty simple in terms of the application process. Borrowers usually request a loan from the bank where their account is held. This triggers the bank to instigate the relevant checks and verifications on the information supplied. Based on their findings, the bank will decide on the loan amount and interest rate they can offer. If the borrower accepts the loan and terms offered, the funds are paid into their account and repaid according to the repayment schedule.

Pawn Shops

Pawn shops are a convenient form of finance for borrowers with poor FICO scores looking for fast cash loans. Much like secured loans, pawn shops require collateral or items of value to secure the loan. They accept typical forms of collateral such as cars, expensive equipment, and other items of value such as jewelry. How do they work? The collateral is held until you repay the loan. This can be pretty risky because if you can’t repay the funds, your valuable items are sold to defray costs. Pawnshops offer fast loans of between 25% to 50% of the collateral value. However, if you don’t have collateral to offer, perhaps unsecured fast payday loans are a better option?

Tips For When Looking For Fast Cash Loans

When searching for fast cash loans online, it can be difficult to know which lender to go with. How can you tell which loan companies are reputable and trustworthy? Below are a few tips to ensure you pick the right lender for you.

Use Loan-Finder Sites

Viva Payday Loans, Very Merry Loans, Money Lender Squad, and Credit Clock are examples of loan finder sites that connect borrowers directly with top-notch lenders in the industry. The free loan matching services they offer to borrowers ensure they connect with multiple lenders simultaneously. Borrowers simply input their information and loan requirements into the loan finding site, and the automated process provides them with a list of loan options available on the market. From there, it’s down to the borrower to choose the loan that suits them and, on approval, start spending their cash. While the loan finding site does not conduct credit checks, they may be requested by the lender providing the loan.

Utilize Loan Comparison Sites

Loan comparison sites take the guesswork out of searching for fast cash loans online. These sites collate information on the loans available online and provide a snapshot of how they compare to each other. With all the information in one place, borrowers save time and can make an informed decision regarding interest rates, loan amounts, and the lender’s ethics.

Check Interest Rates

Interest rates are the amounts you repay on top of the actual amount you borrow. If they are too high, they can make a loan extremely expensive. Borrowers with low FICO scores are generally offered higher interest rates because they appear to be more of a risk. In contrast, those with good credit scores typically enjoy lower interest rates. Most lenders offering fast cash loans offer borrowers interest rates ranging between 5.99% and 35.99%, depending on their FICO score. It’s worth noting that if you are offered a high-interest rate, you may be able to negotiate it down as lenders want to remain competitive in the market.

Understand Repayment Criteria

When applying for fast cash loans, repayment periods can be the number one trip hazard. If you rush into a loan without understanding the repayment terms, you may find that you struggle to make the repayments on time. When utilizing loan-finding sites, borrowers can expect lenders to offer repayment periods of either 2-12 months or 2-24 months. Be upfront with the lender regarding your financial circumstances and realistic about the amounts you can afford to repay each month. This will help them determine a repayment period and schedule suited to your requirements. Also, it’s worth mentioning that early repayments can often attract penalty fees, so if you think you may repay the loan early, check with the lender what their rules are regarding early repayments.

Must Knows To Avoid When Getting Fast Cash Loans

Loaning money comes with the responsibility of making your payments on time and sticking to the rules of the loan agreement. Unpaid loans can result in bad credit and prevent you from obtaining fast cash loans in the future. Obviously, the loan needs to be beneficial to you besides just the initial lump sum. Here are a few things to consider before signing on the dotted line for fast cash loans.

Understand The Loan Agreement

Loan agreements aren’t just tedious amounts of paperwork filled with boring information to be ignored. Everything you need to know about your loan can be found in your loan agreement. Before signing the loan agreement, it’s best to check you understand its terms and the expectations required of you. If you are unsure of any of the information, raise this with the lender directly, who can explain things in more detail. It’s better to be informed and understand what you are signing up for before rushing into accepting the money.

Avoid High Interest Rates

As a rule, lenders in the US will initially apply the highest interest rate to fast cash loans. This is just their usual way of working; however, they also want to obtain your business, so many are quite willing to negotiate better rates. When using a loan finder site, you can easily spot the lenders offering lower interest rates and put them on your short list of loan options. Always ask if the interest rate can be lowered; you’ll be surprised how often the answer is yes. Lenders on the loan matching sites mentioned in this guide offer interest rates ranging from 5.99% to 35.99% and loan repayment periods of 2-12months and 2-24 months.

Always Pay On Time

Late payments or missed payments are not viewed favorably when it comes to fast cash loans. While most lenders understand that sometimes life is a little bumpy, they require you to advise them immediately if you can’t afford to make your monthly payment. Often late payments attract penalty fees and or additional interest. Therefore skipping payments without notifying your lender may result in expensive consequences. If notified, your lender may try to assist by moving your direct debit date or by other means. Paying your loan off early can also result in penalty fees; therefore, it’s best to check your agreement to ensure you avoid additional fees by simply being a good payer!


If you’re looking for reputable cash advance apps, turning to any of the five options mentioned above should ensure that you get the financial helping hand you need without unwittingly stepping into a long-term contract with an unscrupulous lender.


Can I Get An Instant Loan In 5 Minutes?

If you’re looking for the best fast loans in the USA, you might want to give Money Lender Squad, Viva Payday Loans, Credit Clock, Very Merry Loans, or Heart Paydays a try. All of these loan matching services have application processes that take just two minutes. If your loan is approved by a lender, payments usually happen on the same day.

Can I Get A Fast Loan With A Credit Score Of 550?

Credit scores of 550 are significantly below the average credit score. If you cannot genuinely afford to repay a loan, you should not apply for it. That said, if your financial situation has changed and you are now able to afford your monthly expenses plus a loan installment, you may still be a viable candidate for fast payday loans. Simply apply for a loan via Viva Payday Loans, which is a loan finder site that will put you in touch with lenders most likely to approve your loan.

Can You Get A Loan With No Payment History?

If you don’t have a credit history to speak of, you are still eligible to get fast cash loans online. Fast payday loans are designed to help people make ends meet. While a credit check will be done, it won’t be the sole deciding factor in the outcome of your loan.

What Are The Easiest Loans To Get Approved For?

If you’re looking for the best fast cash loans possible, payday loans and same-day loans are great options. You can apply for these loans online via Viva Payday Loans and get a loan outcome in as little as just two minutes! You may think that a payday loan is only a small amount, but that’s not true. Most fast payday loans providers offer loans of $100 to $5,000.

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