How it works

We connect users interested in a personal loan with independent third-party lenders. Register online with a PC or mobile device and we connect you with our trusted lenders in real-time.

See below the step by step process.

Start your journey here:

How to apply for a loan step by step

Bad credit score? No Problem

It is difficult to find a lender when you have a bad credit score, but that doesn’t mean it is impossible; offers may still be available but will be limited.

Online payday loans will help people that have been turned away due to past repayment issues or even for people who have no credit history due to never having borrowed before. If you find yourself in this situation, it’s probably important to you to find a source for ‘payday loans’, ‘installment loans’ or ‘fast cash’, for people with bad credit. You might think that it will not be the easiest thing to find, but it’s easier than you imagine.

Simply click here to fill out our quick and easy form and you can be on your way to getting your cash advance.

To consider

These loans tend to come with high APRs because you are viewed as a high risk if you have poor credit. Be aware that your home may be repossessed if you default on loan repayments. If you cannot afford the payment plans it can lead to considerable penalties and extreme difficulties in getting finance products and services in the future.

Our Fees

Our service is free! However, each of our lenders set their rates and fees. If you are approved for an online loan, your lender will send you information about their terms and conditions.

The rates and fees associated with your cash advance will vary from lender to lender.

Our rates

We recommend you take a look at the overall cost before going ahead with your cash advance agreement. We encourage all of our customers to only borrow what they think they can afford to pay back. We take no responsibility for consumers who can’t afford to pay back their loan costs. ThePaydayKing will allow you to borrow any amount between $100 to $5,000. However, we strongly advise you to think very carefully before submitting a request for a loan with us. Be sure that you can actually afford it.

Important Information

  • It does not charge any fees to connect customers to third-party lenders
  • It is not a lender, therefore, there are no fees or interest directly associated with completing the form
  • Connects consumers interested in payday loans with third-party lenders or brokers

Your credit checks

Third-party lenders may wish to verify, without limitation: your driver’s license number, social security number, or any other qualifying identification information in order to determine credit standing, capacity and/or creditworthiness in order to approve your payday loan. Multiple inquiries may be made on the three national databases (Equifax, TransUnion, and Experian) and this may result in a lower credit score. For more information visit our privacy policy page.

Am I Eligible for a Payday Loan?

Eligibility for a payday loan depends on several factors that will be reviewed and verified by our third-party lenders once you have filled in our online form:

  • Valid checking or savings account with direct deposit
  • Employment income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer


Each state set has its own guidelines in regards to the rules and regulations for payday loans, such as the maximum loan amount as well as the maximum loan terms.

State laws

Out of the 50 states, payday loan lending is legal in 27 states, with 9 others allowing some form of short term storefront lending with restrictions, while the remaining 14 prohibit any sort of payday advance lending.

There are three main reasons for the bans set forth by the Federal regulation including: significantly higher rates of bankruptcy amongst consumers who take out the loans heavily due to the high-interest rates, unfair and illegal debt collection practices, and automatic rollover loans which just compounds the total debt owed. Each state sets out its own rules and regulations such as maximum payday loan amount and maximum loan terms.

To find out whether your state allows payday lending and any restrictions, please visit:

How thePayDayKing could help you


Medical Loans
A medical loan is a type of personal loan that is used to help pay for (or towards) a medical procedure or medically-related costs, which are not covered by your insurance.
Installment Loans
An installment loan is a loan that usually has a fixed amount and fixed regular repayment months.
Car Finance
A car finance loan is an agreement between you and a lender to borrow the funds necessary for the purchase of a new vehicle.
Wedding Loans
It is an amount borrowed to help you, or your loved one, factor in those extra expenses towards the big day.
Debt Consolidation Loans
If you have many different debts with different lenders, such as loans and/ or credit cards, a debt consolidation loan may help.
Home Improvement Loans
If you own your own home, it may be that you can take out a homeowner loan for any improvements, which is typically secured against your home.
Personal & Payday Loans
A personal loan is an exact amount of money repaid over a set amount of time.
Holiday Loans
A holiday loan is a short-term loan from lenders such as commercial banks or credit unions.


Once the application is complete, you’ll be able to gain access to your funds in as little as one business day.


Once application is complete, you’ll be able to gain access to your funds in as little as one business day.


thepaydayking is a FREE and SAFE service, with over 10 Years of experience, expertise and knowledge.