Do you ever find yourself wishing that getting a loan was simpler?

It seems like no matter how little you want to lend, or how quickly you’re happy to repay what you owe; your lender will force you to jump through endless hoops just to get the cash that you need.

If you’re one of the few unlucky people who apply for a loan without the best credit score, then getting the money that you need fast becomes even more difficult.

How much would you like to borrow? $100 $200 $300 $400 $500 $600 $700 $800 $900 $1000 $1100 $1200 $1300 $1400 $1500 $1600 $1700 $1800 $1900 $2000 $2100 $2200 $2300 $2400 $2500 $2600 $2700 $2800 $2900 $3000 $3100 $3200 $3300 $3400 $3500 $3600 $3700 $3800 $3900 $4000 $4100 $4200 $4300 $4400 $4500 $4600 $4700 $4800 $4900 $5000 Get Started By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms & Conditions of Use. I understand that by submitting my information, I may be contacted by telephone by one lender.

It’s no surprise that people all across America find themselves searching for an easy alternative.

The good news is that we’re living in a world where there are now more lending options than ever before – including flexible solutions for those of us who want to borrow money quickly, without the extra hassle.

Here’s your guide to applying for easy loans.

What’s the Easiest Type of Loan?

The easiest lending option for you will depend on what you need, and why you’re borrowing. For instance, if you’re looking for a fast loan for bad credit that you can spread over a long period of time, then a personal loan from a traditional bank or a kind of online installment loan might be the best choice for your needs. However, that same kind of loan won’t be much use if you want to pay off everything that you owe in one cohesive chunk.

The first step in choosing the right kind of lending solution, is taking the time to think about what you actually need from your lender. Are you looking for a quick and convenient way to get in and out of debt fast, or do you need to borrow money that you can pay back over an extended period of time?

Your two main options are installment loans, or short-term loans. With an installment loan, you borrow what you need from a provider, and agree on a term for how long you have to pay it back. Every month, you’ll pay back a portion of what you owe, along with some extra fees like interest.

On the other hand, if you choose a short-term loan like a payday loan, you can borrow what you need instantly, and pay it back on your next payday. If you’re looking for the simplest way to borrow in an emergency, this is usually the best option. Not only do short-term payday loans get the debt out of your head and off your shoulders quicker, but they’re a lot easier to access too.

The Simplicity of Short Term Loans

If your biggest concern is finding a loan that’s simple, then a short-term payday loan is often the best place to start searching for the money that you need. Usually, these loans come from online direct lenders and dedicated companies, rather than traditional banks.

That means that instead of having to arrange a conversation with a professional finance manager at your local bank, you can sign up for an account with an online loan provider and make an application for the money that you need in minutes. Another great thing about short-term payday loans is that they come with a lot fewer requirements than your standard loan.

If you’re borrowing money from a bank from an extended period of time with a bank, then you need to prove to that bank that you can afford to pay them back. This means filling out numerous forms and proving yourself with a high credit score. If you don’t have a good credit score, then you’re unlikely to get the loan that you need, even if you have more than enough money in your monthly wage to pay off the loan today.

While payday loan providers do check your credit score, just like any other loan provider, they don’t rely on that exclusively when making a decision on whether they should lend to you or not. Because short term loans are only taking on your risk for a short period of time, they can be more flexible with their lending requirements.

More than any other kind of lender, a short term payday loan provider will be willing to look beyond a bad credit score and still give you a loan when you need one, provided that you can prove you have a regular source of income, and enough money from that job to pay off what you borrow.

In simple terms, payday loans are easier to access even for people who have a notoriously tough time getting approved anywhere else.

Even the Application Process is Simple

Not only are you more likely to be approved for a payday loan than any other kind of lending but applying for and getting the money that you need is usually much simpler too. As mentioned above, you’ll often be able to fill out the forms required for your application online. Usually, you can even complete these applications from your smartphone while you’re sitting on your sofa.

If you’re in one of the 27 states across the US that allow for payday lending today, then the process should only take a matter of minutes. What’s more, you won’t have to answer any complicated questions about why you need to borrow money. You can use your short-term loan for whatever you choose, whether it’s vet bills, or an unexpected health expense.

Once you’ve decided how much you want to borrow, and what you’re borrowing for, filling out your loan application is usually a process of answering some basic questions about your age, where you live, and when you’re expecting to pay the loan back. Usually, you’ll need to make your repayment within a month of receiving your cash. However, some loan providers can be flexible depending on the date when you’re expecting to receive your wages.

Other things that your loan provider might want to see when you fill out your application include:

Information about your employment

How long you’ve been employed for

How much you earn from your job

Whether you have any existing debts

Where you want your money to be paid

What your contact details are

As with most loan applications, there’s a good chance that you’ll be asked to give some sort of proof of identification too. This could be a passport or drivers license that you can scan through your computer and send to the company in seconds.

What About Receiving and Repaying your Loan?

Literally, every part of applying for a payday loan is designed to be as simple as possible, from the moment that you decide to make your application, to the day when you pay the money that you owe back to the lender.

Usually, when you finish an application with a short term loan provider, you can expect to get a response through your email inbox in a matter of hours about whether you’ve been approved or not. There’s no need to wait around for weeks wondering, like you would with a traditional bank loan.

Additionally, if you are approved for your loan, most companies will be able to get you the cash that you need within as little time as possible. Although the speed with which you get your money will depend on a number of factors, some companies can get your cash to you within 24 hours or less.

Even paying off your loan is simpler with a payday loan. There’s no need to worry about budgeting for an extra expense every month. Instead, you simply fill out a post-dated check with the company that you’re borrowing from, which allows them to claim all of the money owed on a specific date. The amount you pay will include the total price of your loan as well as any extra expenses like fees and interest rates.

Because you can set everything up to pay back your debt automatically, there’s a lot less stress involved with this kind of lending, particularly for people who don’t like the idea of being in debt for long. If you have any issues, there are even some lenders that can work with you to roll the cost of your debt over into the next month too.

Why Use Us? How much do you offer? $100 - $5,000 No charges Approval Chance? Good High approvals! Is poor / bad credit accepted? Yes All can apply How do I get a loan? Apply Online 2 min Application Do I pay it all back at once? No Easy repayments

Do You Need an Easy Lending Option?

In a world where many of us find ourselves in need of a little extra cash from time to time, short-term and payday loans can be incredibly useful. They allow you to overcome the common problems of traditional loans, like complicated application forms, and lengthy repayment schedules. Your loan is delivered and repaid in less than a month, so you can move on with your life.

Even if you don’t have the best credit rating, you could still find a payday loan provider in your area that’s willing to accept your application and give you the money that you need in a matter of hours. It’s the easiest way to deal with an emergency situation as quickly as possible.

What’s more, thanks to the magic of the internet, it’s now easier than ever to search for the perfect loan too. You can start tracking down the perfect lending opportunity today!