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Payday Loans from iPaydayLoans.com Phoenix AZ

Getting payday loans from iPaydayLoans Phoenix, AZ has never been easier. We meet or exceed all other online lenders in speed, quality and performance.

Payday Loans for Easy Approval, Fast Cash near Phoenix, AZ

Payday loans are a perfect solution for fast cash and the simplest possible approval. If you have been turned down for loans in the past, but you need money as soon as possible, check out these non-traditional loans. Based mostly on your income, and not your credit score, you can apply and get approved easily and in just minutes.

If You Need Money Now, You Need Payday Loans

The money you need right now won’t just magically appear in minutes, but there is a solution that comes close. Payday loans can get you from application to cash in hand in 24 hours or less in most cases. In fact, most people who apply get cash the very next morning. If you need money by tomorrow, this is a great solution. The process is fast from beginning to end. You can access the application in seconds with a computer or smartphone; the application will take you just a few minutes to complete; the lender you get matched with will give you an answer on your application in 90 seconds or less; and that lender will transfer cash to your bank account right away.

Payday Loans Are Online and Mobile

So how do you access these great loans? Just go online. Unlike other types of loans you don’t actually have to go anywhere for these. There are no loan offices, banks, or cash advance stores involved. You don’t have to find the time in your busy day to spend an hour in line and another hour filling out a paper application. Go online for access to the application that will put you in touch with a great lender from our pre-screened network of professionals. In just minutes you will have the application completed, right from your home computer. If you don’t have easy access to a computer you can also use a mobile app. Payday loans are also mobile. With just a smartphone you can download the free app and use it any time you need the cash. This takes convenience to another level. Apply from wherever you happen to be, when you have a few spare minutes.

With Online Payday Loans, You Have Options

There is so much more to payday loans online and through mobile apps than speed and ease of use. You also get options with these loans. You will not be forced to accept any loan amount, for example. Choose the amount that works for you, including loans of just a few hundred dollars if that’s all you need. You can also work with a lender who will help you get the loan rates and terms that make the most sense for you. You will never be forced or pushed into a loan that is too big or too expensive. The choices you have ensure the loan matches your finances and your money needs.

What Do I Need to Get Approved for Payday Loans near Phoenix, AZ?

Getting denied for a loan is discouraging. And if you have a low credit score or you don’t have a lot of credit experience at all, you have probably faced this situation. There are a lot of lenders out there, especially more traditional lenders, who do not want to give people a chance. Unless they can meet a minimum credit score requirement or put up collateral, the answer is often no. But with these payday loans you only need to meet a few easy requirements. Almost any working American adult can meet them. First, you need to have a job and a regular income. That income needs to amount to at least $1,000 each month. The rest of the requirements are minor details: have U.S. citizenship, have a bank account, be 18 or older, and not be on active duty in the military.

What about Bad Credit?

Yes, bad credit is Okay with these payday loans. Most lenders in this network will not even check your credit score. So if you have low credit, no credit, or only a little bit of credit, but you meet the qualifications above, you can still get approved. The point of these loans is to allow access to borrowing cash for just about anyone who works and brings in a regular income. Your past credit mistakes may haunt you, but they don’t have to impact your ability to get approved for a small, simple loan.

Who is Behind These Payday Loans?

It’s important to understand who you are working with when borrowing money. With our payday loans, we provide an application so that you can submit your information not to just one lender, but to more than 50 great lenders. We know the top lenders in the business and can match you to the one that will get you approved more easily and quickly.

No Hidden Fees with These Payday Loans

When you apply for payday loans, lenders are competing for your business. This means you get a competitive rate. And, there are no surprise fees either. There is no fee for using the service that matches you with a lender. When you do get in contact with a lender, he or she will make sure you understand all the costs of your loan. There are no surprises here.

Life is Short, Don’t Spend More Time or Effort on Payday Loans than Necessary

Financial decisions can be complicated and difficult. But borrowing a small amount of cash shouldn’t be. We can make it simpler for you. The process of getting payday loans online or with the app is streamlined and as easy as it can possibly be. You have a short application, basic requirements, and lenders who do all the legwork. The rest of your life is complicated, but borrowing money doesn’t have to be. We’ll simplify the process, do most of the work, and ensure that you get connected to a great lender who will do what it takes to help you get the cash you need.

At iPaydayLoan.com we get you approved in minutes, not hours.

Need Cash Before Payday? Here’s Why You Should Try a Payday Cash Advance

Running out of cash before payday is a common problem. Many people are unable to keep savings and have to live paycheck to paycheck. It’s not necessarily a result of bad decisions, simply the high modern cost of living and jobs that don’t pay that well. The good thing is that when this happens to you, there are solutions. You have more than one option, but a payday cash advance may be your best. This kind of loan is fast and can get you cash within a day. It is easy to get approved for, so that your credit score doesn’t have to hold you back. And, among many other great qualities, this loan is convenient and available 24 hours a day online. We’ll answer all your questions about cash advances for payday.

What Exactly is a Payday Cash Advance?

This is a special kind of loan. There are several different things that make a payday cash advance different from a traditional loan. First, it’s a cash advance. That means you get it when you know you have a paycheck or some of your income on the way, but you need it sooner. This kind of loan essentially advances your pay, even though it’s not coming from your employer. A payday cash advance is also a type of loan that is based on your income rather than your credit score. The main factor that indicates you can be approved is how much you earn. Finally, unlike other types of loans, this one is fast and easy to use. There is no need to go to a bank or a cash advance store. You can do everything online or through your phone.

How Do I Get Approved for a Phoenix, AZ Payday Cash Advance?

With a traditional loan you will have to undergo a credit check. The lender has a certain minimum number you need to meet before your application will even be considered. For a payday cash advance, on the other hand, you only need to prove a few simple things:
  • You are a citizen of the U.S.
  • You are 18 years old or older.
  • You have a regular job and a regular income.
  • Your income is at least $1,000 per month on a regular basis.
  • You have a checking or a savings account that is valid.
  • You are not currently serving on active duty in the military.
Notice that credit score is not part of the requirements. You do not have to have a certain number on your credit report to be considered for this loan. A lack of credit history or a low score alone will not disqualify you for a payday cash advance.

Do Most People Get Approved for Payday Cash Advances?

Yes, the approval rates are high for these loans, thanks to the easy requirements. Most people who have a regular job and apply for a payday cash advance do get approved. With no requirement for having a certain credit score, the approval rates on these loans is much higher than for other, more traditional loans.

Where Can I Access Payday Cash Advances?

One of the best things about a payday cash advance as compared to another type of loan is that you can easily access it online. Don’t go to the bank, a loan office, a pawn shop, or a cash advance store ever again. Instead, go online. The application for these loans is available 24 hours a day, seven days a week, holidays, and weekends, online. Fill out the application, submit it to the website, and get connected to your lender. Going online is just one of your options for accessing payday cash advances. The other way to do it is to download and use a free app on your mobile device. This takes convenience to another level. You not only don’t have to go to a loan office, but you also don’t even need to be tied to a computer to access these loans. Use your phone, tablet, or a computer to apply at any time.

Are There Any Service Fees for Payday Cash Advances?

No, there are no fees associated with applying for and getting approved for an online or mobile payday cash advance. The only cost is the interest you pay on the loan, which is a cost you will face with any type of loan. When you apply, you get free access to lenders, who have already been screened and checked out. Those lenders then compete for your business. You get to choose a loan that has the terms and the interest rate that makes the most sense for you, and there is never any charge for this service.

Do I Have to Deal with a Check?

No, you do not have to wait for a check or cash a check to get your payday cash advance money. The lenders offering these loans make direct transfers to your bank account to supply you with the money you are borrowing. This is a hassle-free loan that makes every step of the process easier. Just check your bank account once your loan has been made official, and you will see the cash soon.

When Will I Get Cash from a Phoenix, AZ Payday Cash Advance?

Exactly when you get the cash in your account and when you can access it depends on a few factors. When you apply is important. You can apply at any time, but the cash will only be transferred on a business day. Try to apply Sunday through Thursday for quickest access to cash. But, no matter when you apply your money will be transferred by the next business morning, which means that you can get money as soon as early tomorrow. Getting cash has never been faster or easier. The smart way to get money to pay the bills and cover daily expenses before your next paycheck is a payday cash advance. Check it out online today or through the free mobile app.

Thank you very much for using iPaydayLoan.com for all your short-term loan needs.

10 Things You Need to Know about Payday Loans Online

What do you need to know about Phoenix, AZ payday loans online to convince you to try one? How about the fact that they are fast and easy? Or that bad credit is OK? If you haven’t yet experienced these great loans, you need to know a few important facts. These will help you make a smarter choice about how you get cash the next time you have expenses and bills and here’s no money in the bank.

1. Payday loans online are available online.

It may go without saying, but yes you can get payday loans online. Instead of going to a bank or loan office, or even a cash advance store, you can simply go online for cash. When getting a traditional loan, you have to find time to go during business hours, likely causing you to miss time at work. This just doesn’t make sense when it can all be done online. Apply online, make the loan official, and have the cash transferred to your bank account.

2. Payday loans online are also mobile.

Going online to get a loan is pretty convenient, but what if there was an even better way? There is, and it involves using a free app. Download the app to your mobile device and apply for payday loans on the go. This is a great solution for anyone without easy access to a computer. It also works for those times when you’re out of the house and have a few minutes to spare. It takes just a couple minutes to apply, and then the lender does the rest of the work.

3. Payday loans online are backed by a network of the best lenders.

When you apply for Phoenix, AZ payday loans online, you are really applying to an entire network of more than 50 pre-screened lenders. We have selected the lenders that are best suited to helping people just like you. They are professional, reputable, and follow all the lending laws to the letter. You can be sure you are getting a fair deal when you work with them and that you will have a professional backing your loan.

4. There is no fee to get connected with these lenders.

The service to connect you to this network of lenders doesn’t come with a fee. In fact, it is completely free of charge. There are other services that might try to charge you for something like this, but that’s a warning signs that you’re dealing with a business that is not reputable. We simply take your information and pass it along to some of the best lenders available offering payday loans online. They compete for your business, and you get the best deal.

5. Bad credit is OK with payday loans online.

Getting approved for payday loans online couldn’t be easier. What holds back many working Americans from getting the cash they need from personal loans is a bad credit score. Our lenders don’t set a minimum requirement for credit score to consider you for approval. Instead, they look at other factors that tell them more about your ability to use a loan responsibly and pay it back on time.

6. Approval requirements for payday loans online are simple.

Approval rates for these payday loans online are very high. This is because the requirements for getting approved do not include a great credit score, and are in fact very easy to meet. You need to have a job, a regular payday, a paycheck that you deposit to a valid bank account, and an income of at least $1,000 per month. You also need to be at least 18 years old and a U.S. citizen. This is all it takes to get approved.

7. Payday loans online are secure.

Some people still feel uncomfortable with sharing private information online or doing any kind of business online. But the truth is that financial transactions online are now commonplace and safe. Our payday loans online service uses the best encryption software to protect personal data. We also delete your information once it’s no longer needed and give you the right to opt out of marketing opportunities. Only your lender gets your information if that’s what you choose.

8. Borrow only what you need, up to $2,500.

Most people choosing payday loans online don’t need to borrow a lot of money. Borrowing too much can get you into financial trouble. With these loans you can choose your amount, and you can even borrow just a couple hundred dollars if that’s all you need. Amounts are available up to $2,500. Other lenders may only offer larger amounts so they can make more money, but here you have a choice and flexibility.

9. Payday loans online are just easy.

Life is already hard. It’s complicated. But payday loans online are one thing that’s easy. From finding the application online or with the app to getting the cash transferred right to your bank account, the entire process is designed to be easy for the borrower. Once you fill out the application with your basic information, your lender does the work. You don’t have to pick up a check, fax documents, or worry about a credit check. Just sit back and wait.

10. Use the fast cash from payday loans online for anything.

Once you get through the simple process of applying and getting approved for online payday loans, you’ll get the cash you need near near Phoenix in as little as 24 hours, even less time depending on when you apply. The cash will come right to your bank account, and once your bank lets you access it you can use it anyway you choose. There are no strings attached. Pay the bills, cover weekly expenses, or treat yourself. Check out the easy, short online application to get payday loans today. It’ll be the easiest and best thing you do all day.

You can apply at iPaydayLoan.com 24/7 - 365.

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Bank of America - Christown Branch
(800) 432-1000
5755 North 19th Avenue
Phoenix, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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U.S. Bank - West Osborn Road Safeway Branch
(800) 872-2657
520 West Osborn Road
Phoenix, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Comerica Bank - North Central Phoenix Branch
(800) 292-1300
3200 N Central Avenue, Suite 100
Phoenix, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $20.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - 19th Ave & Bethany Home Road Branch
(866) 245-3452
5815 N 19th Ave
Phoenix, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Chase - 7th Avenue-Thomas Road Branch
(877) 682-4273
2901 North Seventh Avenue
Phoenix, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Harris Bank - Camelback Drive Up
(800) 546-6101
4819 North Central Avenue
Phoenix, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. This fee can be waived if you are a student. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Harris Bank for details.
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

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U.S. Bank - Main Branch
(800) 872-2657
3800 North Central Avenue
Phoenix, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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BBVA Compass Bank - North Central Branch
(800) COM-PASS
3003 North Central Avenue, Suite 100
Phoenix, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $20.00. See institution about how these monthly fees can be waived.
ATM Fee Rebate Noe: BBVA Compass Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Chase - Indian Central Branch
(877) 682-4273
3620 N Central Avenue
Phoenix, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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New York Community Bank - Central And Camelback Branch
(888) 550-9888
24 East Camelback Rd
Phoenix, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $5.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

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