No credit checks run

No credit checks run

Instant approval

Instant approval

Payday loan direct deposit

Payday loan direct deposit

100% legitimate lending

100% legitimate lending


In order to qualify for a short-term loan, you must meet the following requirements:

  • You should have a current employment of at least three months old.
  • Own a checking account, with at a least a three-month history.
  • Maintain a monthly income of $1000.

We do not require any documentation prior to loan approval.

Yes- we generally do not run a credit report


Simply click here, fill in the information and submit.

Once you submit your online application, your status is communicated instantly.


A small, short-term cash loan that must be paid back on your next payday is termed as payday loan. These loans are intended for use in immediate or emergency situations.

We charge $30 for every $100 you borrow. Generally, our APR ranges from 365.00% to 1564.28%. Please visit our Fees page to learn more.

Once the loan is approved, we will deposit the agreed-upon amount directly into your checking account by the end of the next business day.

Loans requested before 8:00 p.m. (EST) on Friday will be deposited on the following Monday. Any loans requested over the weekend will be treated as loans requested on Monday. For example, if you request a loan on Saturday or Sunday, we will contact you on Monday, and you will receive your deposit on Tuesday.

We do allow the cancellation of loans. If you apply for a loan and then realize you do not need the loan, you can return the loan to us before the end of the business day.

Sorry - we do not provide loans to a military personnel.


On the due date of your payment, we will withdraw the money from your account.

Your loan payment is due on your next payday, unless your payday falls within seven days after receiving the loan. If so, then you have until the next payday to make your payment. For example, if you borrow money on Wednesday and your next payday is Friday, you will not have to pay back the loan until the next payday after Friday. We never lend funds past 30 days.

Of course! We encourage the prepayment of our loans. If you repay the amount ahead your due date, you may even qualify for a refund of a portion of the loan's finance charges.

Yes, you may make partial payments to the loan, as long as they are received before the payment due date. We do not allow partial payments at the time of loan maturity - you must pay the loan in full when the due date arrives.

It is imperative that you contact us right away. We allow for an extension if you contact us at least two days prior to the loan's due date. However, we will charge an extra $30 for every $100 you have borrowed.

InstantPaydayCash has been authorized to utilize the Federal Reserve Wire System, which means we are subject to NACHA regulations, as lenders. We do follow state and federal laws, withdrawing only the amount agreed upon.

Need further assistance? Email us your query at

Returning Customers

  • Request For Extension
  • Payment Arrangements
  • Login / Sign Documents
  • Get Your Balance / Due Date
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Deal with your credit crisis confidently with Instant Payday Cash - the genuine payday loans direct lender that's always at your service. Apply for reliable payday cash advance loans online today and get affordability, security, speed, simplicity and convenience of borrowing at no extra costs.