Top 5 Fast Loans & Fast Cash Loans Online for Bad Credit & Payday in 2022


Quick loans are lifesavers when you are in a financial bind. Millions of Americans have made use of fast cash loans at one time or another. So, whether you’re short on cash because you just shelled out hundreds to repair your home, or maybe you bought an expensive birthday present or covered an emergency expense, fast online loans will give you a cash advance for live comfortably until your next payday. These are the top five fast loan providers and what makes them a viable option.

Best fast loans 2022 – Quick overview

  • Viva Payday Loans – The best fast payday loans in general for a fast disbursement
  • heart paydays – The best for fast loans for bad credit
  • Credit Clock – Best for fast online loans and easy loan approval
  • Squad of money lenders – Best for quick online application
  • Very cheerful loans – The best for small loans that are paid on the same day

General eligibility criteria for fast loans

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

  • 18 years minimum
  • US permanent address
  • Earn at least $800 per month
  • not be over-indebted
  • have a bank account

5 best fast loans

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

1. Viva Payday Loans: Best Overall Fast Payday Loans for Quick Payout

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  • Disbursement within 60 minutes of approval
  • Get up to $5,000
  • Refunds from 2 to 24 months


  • Not available in some states

Viva Payday Loans is one of the best quick and fast loans that gives you access to lenders that get the job done. There is no waiting when using Viva payday loans. Once a lender approves a loan, the cash is credited to your bank account as quickly as possible. It is not unusual for borrowers to receive the money in their bank account within an hour, subject to lender approval. Although interest rates can be high, some lenders lower their rates to remain competitive. For this reason, the interest can range between 5.99% and 35.99% for fast online loans. To be a successful applicant, you must be 18 years of age or older, have a permanent residence in the US, have a permanent job, and earn enough income to cover the cost of the loan installments along with your other monthly expenses.

Click here to apply for funds at Viva Payday Loans >

2. Heart Paydays: the best for quick loans for bad credit

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  • Affordable monthly rebates
  • Low FICO scores welcome to apply
  • Guaranteed app feedback within 2 minutes


  • Approval times may take longer than 1 business day in some cases

Heart Paydays does not discriminate against borrowers, even those without bad credit or those specifically looking for quick loans for credit problems. By using this loan matching service, you’ll have the advantage of being connected to lenders who are likely to help you, even if your credit score is low. Of course, there are affordability checks to ensure that borrowers can repay the loans they take out. Quick loans through the Heart Paydays portal come with APRs from 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 apply for Heart Paydays funds >

3. Credit Watch – Best for Fast Online Loans and Easy Loan Approval

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  • 100% easy loan search service
  • Super fast online application
  • fast disbursement


  • Interest rates can be as high as 35.99%

Credit Clock connects borrowers with lenders offering fast, affordable loans across the US. As a reputable loan finder, Credit Clock introduces borrowers seeking fast payday loans with viable loan packages. ranging from $100 to $5,000 with 2 to 24 months to pay. If you earn $1,000 per month, have a valid form of ID, are at least 18 years old, and are a permanent US resident, you are eligible for fast online payday loans through Credit Clock!

4. Money Lender Squad – Best for a Quick Online Application

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  • 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 a great alternative if you are tired of the red tape often associated with traditional bank loans. This loan search site helps borrowers select the best fast loans online by applying just once. The online system is geared towards maximum simplicity. All you have to do is enter how much you want to borrow and the anticipated repayment period. Then, provide your details (name, ID, address, employment details, bank account and a list of your monthly expenses), and in minutes you will be presented with the best options for quick cash loans.

5. Very cheerful loans: the best for small loans that are paid on the same day

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  • Easy loan terms
  • 2 minute online application
  • Withdraw cash the same day


  • Small loans up to $2,000 only

If you are not looking for quick loans for bad credit, the quick loans available through Very Merry Loans are ideal. These loan packages are kept small on purpose to ensure easy repayment, so you won’t find any quick online loans over $2,000 here. APRs are in the range of 5.99% and 35.99%. Best of all, the lenders Very Merry Loans will connect you with are in the habit of paying off loans the same day they are approved.

What are fast payroll loans?

Fast payday loans are often quick loans for borrowers with bad credit or people who don’t have time to wait through long bank 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 suits him best. The lender offering instant or quick cash loans will submit an offer, detailing the amount of interest (usually between 5.99% and 35.99% depending on the state) and the terms of the loan. If the borrower agrees to the terms, the loan agreement must be signed and the lender will, usually the same day, transfer the funds to the borrower’s bank account.

Frequent questions

Can I get an instant loan in 5 minutes?

If you are looking for the best fast same day loans in the US, you may want to try the options mentioned above. All of these loan matching services have application processes that take just two minutes. If your loan is approved by a lender, payments are usually made the same day.

Can I get a quick loan with a credit score of 550?

Credit scores of 550 are significantly below the average credit score. If your financial situation has changed and you can now pay your monthly expenses plus a loan fee, you may still be a viable candidate for fast payday loans.

Can you get a loan with no payment history?

If you have no credit history to speak of, you are still eligible for fast cash loans online. While a credit check will be performed, it will not be the only deciding factor in the outcome of your loan.

Disclaimer – The foregoing content is non-editorial, and Economic Times hereby disclaims any and all warranties, express or implied, relating thereto, and does not necessarily warrant, endorse or endorse any of the content. The loan websites reviewed are loan matching services, not direct lenders, therefore they have no direct involvement in accepting your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan.
This article does not provide financial advice. Seek help from a financial advisor if you need financial assistance. Loans available only to US residents.


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