Online Payday Loans to Keep You Going
Easy application process
Apply online in minutes
Instant approval decision
Get immediate answer
Bad Credit OK
Any types of credit scores accepted
What is an Online Payday Loan?
An online payday loan is a cash advance you borrow from direct lenders and repay once your next paycheck reaches your bank account. Consumers can borrow from $100 up to $1,000 from online payday cash loans. Plus, the minimum term is 14 days, but the maximum is 30 days. Borrowers can spend this money on different expenses like grocery bills, car repairs, minor house renovations, or other small living costs.
Our Cash Loan Products
15M Loans has several financial options for customers who need emergency cash as soon as possible. Each of these loan products has its terms and conditions to save your budget until the next payday.
Payday loans – short-term cash advances available for consumers in need. If you are one of them, feel free to get up to $1,000 with a term of 30 days and cover your financial needs.
Installment loans – medium-term loans you borrow to cover more significant expenses like major medical bills, house repairs, or study taxes. You can borrow from $1,000 up to $5,000 and repay them in equal monthly payments. The minimum term is two months, and the maximum is 24 months.
How It Works
Online payday loans work quickly and hassle-free. You don’t have to stay in like at the bank institutions to receive your money because with 15M Loans, everything is online and 100% safe for you as a borrower. Depending on the lender’s term, you might access your funds on the same day or within the next business day.
Fill in the loan application form.
Provide us valid information about yourself and your financial situation. It will take you up to one minute.
Get Instant Approval Decision.
Find out instantly your qualification for the loan via Email. Don’t wait days or weeks for the lender’s answer.
Sign the loan agreement online.
If you agree upon the loan terms and conditions, sign the contract digitally via Email and forget about faxing and useless paperwork.
Access your funds.
Get your money through direct deposit to your bank account on the next business day. Apply before noon to obtain same-day funding.
Online Payday Loans Eligibility Criteria
You must be at least 18 years old. You must be a permanent resident or a US citizen. You must have a steady income source. You must have an active bank account. You must have an active email address and phone number.
How to Repay
The loan repayment process also occurs online and is 100% safe for all our borrowers. Once your next paycheck reaches your checking account, the lender just withdraws the loan amount. But if you borrowed an installment loan, the lending company withdraws monthly only an equal amount from your account. This time-saving process helps you avoid the infinite lines in traditional lending institutions.
Why Choose Us for Your Online Payday Cash Advances?
Trusted direct lenders only
We partner with trustworthy direct lending companies. No third party is involved in the borrowing process because we value your data security.
Fast approval process
We won’t make you wait days and weeks. You receive an instant answer from the lender that approved your loan.
No hidden costs
We don’t charge additional fees for our connecting services. You won’t spend extra dollars on your loans.
We provide an explicit loan agreement and fair clauses for all borrowers in need. Take your time to read the contract and sign it aware.
No hard credit checks
Our lenders perform only soft credit checks that don’t affect your credit score. You’ll be able to use other loan options in the future.
We are here to assist you in getting your money as soon as possible. Rely on our customer care service to provide you all the needed information.
Repaying your Payday Loan
The repayment process of your cash advances is much simpler than you used to do it. Consumers don’t have to stay in infinite lines to repay the loan because now everything is online and 100% safe for them. Once your next paycheck reaches your bank account or the loan date is due, the lender just withdraws the loan amount and it’s done!
Frequently Asked Questions
How much do instant cash advances cost?
The cost of instant cash advances varies by state and lender, but the general fee ranges from $10 to $30 of every $100 borrowed. Also, there can be an origination fee from $1 to $5, depending on the lending company.
Is 15M Loans a direct lender?
No, 15M Loans is a connecting service that helps you get in touch with hundreds of direct lenders from your state. We don’t charge any additional fees for our services because no third party is involved in the borrowing process.
Can I apply with a bad credit score?
Sure thing! Regardless of your credit history, you are welcome to apply for our loan products to cover your financial needs. Our lenders rely on your steady income instead of your FICO score when reviewing your creditworthiness.
Are there no credit checks for online cash advances?
Our lending partners perform only soft checks when assessing your repayment risk. These checks consist of a slight review of your current financial situation. This checking process doesn’t affect your credit score in the future.
Can I get cash loans with a same-day deposit?
Yes, only if you apply before noon. In this case, the loan provider might make a same-day deposit of your money. To avoid unpleasant situations, we suggest you assess when exactly do you need emergency cash.
If you have more questions about loan products or application processes, access our page FAQ.