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Payday Loans Online
Apply for Money At Your Fingertips!

Finger Finance offers a fast and effective way to apply for a payday loan online - complete your details in less than 5 minutes and get an instant decision on the screen. Borrow $300, $500 or $1,000 with bad credit scores and no credit check options. Click on the 'Get Started' button below and receive funds in 1 to 24 hours!

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on
the mean APR of the lenders we work with

How To Apply for Payday Loans Online
in 3 Simple Steps

A payday loan can help you borrow money until your next payday – giving you an injection of cash upfront and the flexibility to pay it back in a couple of weeks time. Payday loans are often used to pay off immediate emergencies such as car or household repairs, medical bills or rent – and are often able to assist people with bad or poor credit histories.

Finger Finance allows you to apply for payday loans near me, with a 100% online application process. Enter your details using our form, including how much you wish to borrow and how long for. Receive an instant decision on the screen and if you wish to proceed, you will receive an online loan agreement form to electronically sign. Subject to further checks, the funds can be transferred to your bank account within a few hours or the same day of applying.

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Borrow-payday-loans

Step One - Apply Online

Complete our online form in less than 5 minutes. Choose your loan amount and how long you would like to borrow for. Always give accurate information including your contact details.

Payday-loans-search-lenders

Step Two - Instant Decision

Receive an immediate decision with your personalised loan offer on the screen. If you wish to proceed, you will need to electronically sign your loan agreement which outlines all the key terms of your loan.

Affordable-payday-loan-solutions

Step Three - Get Money Today!

Subject to further checks, you can receive money in your bank account within 1 hour, the same day or next business day. Success!

Key Features

  • Borrow $100 to $35,000
  • Repay over 1 to 60 months
  • Online application
  • Instant decision
  • Bad credit scores accepted
  • Same day funding available

Why Choose Finger Finance for Online Payday Loans?

Finger Finance is able to match your loan requirements with the US lender who is mostly likely to approve you and offer the most competitive rates. Instead of going to each lender one-by-one and trying to get approved, we can save you time, effort and money.

Working with over 50 direct lenders, we use thousands of data points to match your loan enquiry with the best payday lender in the US, connecting your requirements and also your income, location and credit score. We have helped thousands of customers of date and are delighted to help you too.

With no fees for applying and no impact to your credit score, we offer a secure and safe application process – and that is our pinky promise!

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Am I Eligible for a Payday Loan from Finger Finance?

  • You are a U.S citizen
  • Over 18 years of age
  • Have a social security number
  • Own a mobile phone
  • Able to afford monthly repayments
  • Earning a minimum income of $500 to $1,000 per month
  • Have a live checking account in order to receive funds

Where Can I Find Payday Loans Near Me?

Alabama

California

Colorado

Florida

Illinois

Kentucky

Louisiana

Maryland

Mississippi

Missouri

Nevada

Ohio

Texas

Tennessee

How Do Payday Loans Work?

A payday loan is designed to cover short-term and emergency expenses. If you have a shortfall of cash this month and cannot wait until your next payday from work, you can receive the money upfront as a type of cash advance – and you can get the funds into your bank account immediately to pay off any debts or pressing bills. You can then pay back the loan at the end of the month once your wages come in from work – and the loan is completely paid off, simple!

You also have the option to repay over several months in equal installments – and this can offer more flexibility for people who want to spread their repayments over a longer period. There are payday loans for people with bad credit, no credit checks and also other alternatives available from apps, credit unions and stores.

Can I Get a Payday Loan for Bad Credit?

Yes, Finger Finance can offer payday loans with bad credit scores and histories, since our lenders are willing to take all kinds of backgrounds into consideration. 

None of our partners expect you to have a perfect credit score, so they will take other factors into account such as your income, residential status, employment and commitment to repaying your loan on time.

If you have a stable income and employment, you can certainly be eligible and if you are passionate about paying on time, the companies we work with will be delighted to help you get the loan you need.

In some cases, they may recommend alternative products such as collateral loans or title loans – providing all kinds of options for people with bad credit. For more information, see bad credit loans online.

Useful Guides

What to Consider Before Applying

How Do Checks Work for a Payday Loan?

What Happens If I Can’t Repay a Payday Loan?

Will a Payday Lender Contact My Employer?

 

Do You Offer Guaranteed Payday Loans?

Guaranteed payday loans are ones where you always get a loan offer when you apply – however this is not always the case, since you do need to meet the basic criteria including being over 18, a US resident, have a social security number, a regular income, employment and a not-so bad credit score. So whilst people might be looking for guaranteed loans, you have to always check the eligibility beforehand and make sure that you meet it.

Fortunately, at Finger Finance, we work with such a range of companies, that if you are looking for guaranteed payday loans or looking to borrow $300 or $500, we can offer you the exact or maybe similar products including personal or title loans, credit cards, apps or even from credit unions. We will always do our best to match you to the right product, taking into account your credit history, income and personal requirements.

Can I Get a Payday Loan with No Credit Check?

Yes, it is possible to get a payday loan without credit checks, but the majority of companies we work with will carry out a credit check as a way of determining your eligibility for a loan.

We understand that maybe you have been turned down in the past due to your credit score and for this reason maybe you want to apply for a loan with no credit checks. But do not worry, at Finger Finance, we will gladly consider all circumstances and if a payday loan is not right for you, we can present new options and alternatives. This may include an affordable loan from a credit union or even using your car as a collateral for an auto or title loan.

In fact, there are some companies that offer payday loans with no credit checks, but you will need to have a good track record elsewhere, such as having a stable employment, income and maybe even being a homeowner to be eligibe.

How Do Repayments Work?

Yes, Finger Finance can offer payday loans with bad credit scores and histories, since our lenders are willing to take all kinds of backgrounds into consideration. 

None of our partners expect you to have a perfect credit score, so they will take other factors into account such as your income, residential status, employment and commitment to repaying your loan on time.

If you have a stable income and employment, you can certainly be eligible and if you are passionate about paying on time, the companies we work with will be delighted to help you get the loan you need.

In some cases, they may recommend alternative products such as collateral loans or title loans – providing all kinds of options for people with bad credit. For more information, see bad credit loans online.

What Happens if I Cannot Repay My Loan?

Yes, Finger Finance can offer payday loans with bad credit scores and histories, since our lenders are willing to take all kinds of backgrounds into consideration. 

None of our partners expect you to have a perfect credit score, so they will take other factors into account such as your income, residential status, employment and commitment to repaying your loan on time.

If you have a stable income and employment, you can certainly be eligible and if you are passionate about paying on time, the companies we work with will be delighted to help you get the loan you need.

In some cases, they may recommend alternative products such as collateral loans or title loans – providing all kinds of options for people with bad credit. For more information, see bad credit loans online.

Frequently Asked Questions

No, Finger Finance is not a direct lender. We are a broker that sources the most affordable loans for our customers from reputable lenders who are all vetted to the OLA standards.

The number of payday loans that borrowers can have open at one time depends on the laws of the US state that they reside in. Whilst some states such as Ohio cap the number of payday loans a borrower can have to 1 loan at time, other states such as Texas do not have any caps in place.

However, even in states where you can borrow unlimited payday loans, we do not recommend taking out several loans at once as this could lead to debt issues if not handled carefully. You do not want to be reliant on loans and so 1 or 2 loans at one time is a sensible limit.

To apply for a payday loan, you will need to provide basic information such as your name, contact details, postal address and employment status. You will also need to give your live checking account details for the funds to be sent to.

There are many alternatives to payday loans that you can consider. This includes requesting an authorized overdraft from the bank, applying for a low interest credit card or borrowing money from family or friends.

The cost of a payday loan ranges from 36% APR to 5000% APR. This depends on various factors such as your credit score, income, affordability and the state that you live in as some US states have price caps whilst others can charge higher amounts.

Whilst the APR may seem high, payday loans are designed to only be used for a few weeks and then be repaid in full. The APR is a measure of annual interest which is over 12 months so this means that your rate is multiplied over and over and is not necessarily a true reflection of the cost.

At Finger Finance, we endeavour to help you get your funds ASAP. After you have completed our online application form, an instant offer will appear on screen. If you decide to go ahead and are approved by one of our lenders, the money could be in your bank account within minutes, hours or by the next business day latest!

To maximize your chances of fast cash, try applying during typical working hours of 9am to 5pm on Monday to Friday. You should also keep your phone nearby incase the lender wants to get in touch with any follow-up questions.