How It Works

Thanks to the convenience of internet technology, obtaining a loan online has never been easier. Since we want to help people in need initially, we built iPaydayLoans as a broker platform that connects you to our network of trustworthy lenders across the US, providing you with as many financing options as possible.

iPaydayLoans accepts payday loan requests ranging from $50 up to $5,000 (personal loan requests up to $35,000). The amount you receive depends on your financial status, state law, and the lender you choose to work with.

You can easily access our platform to submit your loan requests and related documents through our online submission portal. Once our system receives your information, it will automatically forward it to our partner lender network. Lenders will assess your profile and provide you with a result almost instantly. If more than one lender approves you, you get to compare different offers from multiple lenders with various rates and terms. Select the one that suits you the most, and then sign the agreements to confirm your choice. After that, sit back, relax, and the lender you choose to work with will release the fund into your account as fast as the same day.

General requirements for getting online loans approved

  • Must be a US citizen or permanent resident
  • Must be over the age of 18
  • Must have a valid government-issued ID
  • Must have an active banking account
  • Must have a stable source of income

Straightforward Access

iPaydayLoans is a web-based online platform that can be accessed through any internet-enabled device, including your smartphone, laptop, tablet, and PC. We have also developed a clean, user-friendly interface to improve your online loan experience.

Easy Approval

Getting online loans usually comes with easy requirements. iPaydayLoans partners with lenders across the continent that are experienced in dealing with customers with unpleasant credit backgrounds to satisfy their financial needs. As long as you can prove your repayment ability with stable sources of income, you will have a higher chance of getting your requests approved online than traditional financial institutions.

Instant Response

You will get an instant response anytime within a day after you submit your request. Our website operates 24/7, and most lenders we work with accept requests around the clock as well. Since online creditors often use employment status and income to assess the repayment ability and risk involved, they will likely perform soft pulls on most applicants, which massively reduces the time to determine creditworthiness and increases the decision-making efficiency.

Quick Funding

Once you have decided and signed the documents, the lender you choose to work with will start processing the funds immediately, and the emergency cash you need will be directly deposited into the active bank account you provided. However, you should always expect uncertainties from the banking system lags or specific lenders'processing delays.

Data Protection

We value your personal data seriously and will not compromise on information security. For all our online financial services and document submission portals, we employ bank-level SSL secured connection with AES-256 encryption to protect your sensitive data from information leaks and identity theft. We will ensure that your data is safe and sound with iPaydayLoans.