Top 4 Picks For Payday Loans For The Year 2022

Do you need quick cash yet have bad credit? The top online payday loans are the only ones you need to consider.

Yeah, forget about that local lender that is a few miles away; you might need transportation to get there. However, you can get the money you require from the convenience of your home thanks to online loans.

But how do you sort through the plethora of possibilities available on the internet? We can help with that since we have searched the internet for the best solutions available, which you simply cannot ignore.

Money Mutual

First on our list is MoneyMutual, a Nevada online lender that’s been in business since 2010. They’re bursting with experience in the game and are determined to help credit your bank account in just 24 hours.

MoneyMutual isn’t a direct lender per se but rather a middleman that connects you to its network of trusted lenders across the nation. This probably explains why the payday lender isn’t responsible for any issues you might run into with a given lender (in its network).

Pros of MoneyMutual

  • Fast loan approval, approved by the Online Lenders Alliance

  • Numerous lender’s Education facility

  • Without charge

Cons of MoneyMutual

  • not available in all states


The next provider on our list is SoFi, a straightforward lender with extra benefits. You can acquire unemployment insurance through SoFi, which may really come in handy if things don’t work out. Therefore, if you lose that job, it won’t matter.

Given that not everyone is adept at playing the “money game,” if you know what we mean, their financial education is also a plus. You’re in safe hands here whether you need assistance with an investment strategy or simply want to handle your money like a pro.

Did you know that SoFi also provides one-on-one career coaching?

Additionally, their mobile app is useful for accessing the website when you’re on the go. The icing on the cake is that it supports iOS and Android aficionados alike.

Pros of Sofi

  • No fees

  • Unemployment protection

  • Mobile app

  • Free financial advice

  • 24/7 customer desk

Cons of Sofi

  • Not available in Vermont


No matter where you live in the US, this loan source will open the door wide for you. Yes, CashUSA serves all 50 states, in contrast to some of our top recommendations, which only serve a few states.

Despite not being a direct lender, CashUSA is highly regarded by consumers all across the nation and checks most of the boxes for a payday loan company. In any case, the vast majority of internet payday lending companies aren’t.

Pros of CashUSA

  • Large network of lenders

  • Education Center

  • Instant payday loan

  • Encrypted system

  • Reliable customer desk

Cons of CashUSA

  • The application procedure is relatively longer

Bad Credit Loans

Are you reading this with a poor credit history? Go on… We included BadCreditLoans in our list of the top payday loan services thanks to you. These individuals, against the odds, are committed to saving your skin.

If for some reason you are not matched with one of BadCreditLoans’ lenders, the business will put you in touch with people from other organizations who may be of assistance.

One of the best payday loans online, BadCreditLoans boasts a fast application process, as well as a handy education center – and they won’t charge you a cent for their service.

Pros of BadCreditLoans

  • Service is free

  • Large network of lenders

  • Works with all credit scores

  • Education Center

  • Quick application process

Cons of BadCreditLoans

  • Not accredited by the BBB