5 Best Same Day Payday Loans For Bad Credit in 2022

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Do you have an emergency and need to borrow some money? Anyone who knows how and where to get emergency cash would rejoice. There are fast online loans with same-day approval available if you are in a financial bind. Let’s explain why they’re so important.

Nobody expects to find themselves in financial hurdles. Unfortunately, sometimes all it takes is a broken down car or boiler to get you spiraling into a sea of debts. You find yourself unable to handle the bills or pay your rent. These are some of the unexpected and unfortunate events that come with living, and sadly, anyone can be caught unawares.

In this guide, we’ll review the best same day payday loans available online.

5 Best Same Day Payday Loans with Bad Credit in 2022

Here is our list of the 5 best same day payday loans with bad credit in 2022:

●   Heart Paydays: best for same-day loans for people with bad credit.

●   Viva Payday Loans: best for quick and easy loans, no credit history required.

●   Money Lender Squad: best for a wide range of lender options.

●   Credit Clock: best for first time borrowers accessing payday loans.

●   Very Merry Loans: best for flexible repayment options.

1. Heart Paydays:

At Heart Paydays, borrowers may choose from various payday loans for bad credit ranging from $100 to $5,000, with periods up to 24 months. You may complete a simple application form online and obtain a loan approval response in less than two minutes. You’ll find out if you’ve been authorized or refused.

If you are authorized for a loan, you will be transferred directly to the personal loan poor credit straight to lenders who will provide you with the money. If the lender can help you, they may ask for further data from you, like address proof, bank records, and evidence of income. After reviewing and approving the terms and conditions, the borrower confirms the loan and gets the money by direct cash deposit shortly after that. The loan is repaid by automatic monthly deduction.

The interest rate varies from one direct lender to another; however, the site typically ranges from 5.99% to 35.9%.


  • If approved, funds can be sent within 24 hours depending on your bank.
  • Applicants with bad credit are considered.
  • The application process and approval last for less than three minutes.


  • Extra charges can build up if you don’t repay on time.

Visit Heart Paydays >

2. Viva Payday Loans:

Viva Payday Loans use a loan matching service to link borrowers with lenders, including same-day payday loans for bad credit. The Loan options range from $100 to $5,000, and you can pay back within periods ranging from 3 – 12 months. The application is fully online, and you should receive your loan in a matter of minutes. You can obtain the funds within 15 minutes or the same day after signing the loan contract.

The process at Viva Payday Loans is simple. Begin by selecting how much you’d like to borrow and for how long. Afterwards, complete the application form with your details – once submitted, if approved, you’ll be transferred to a lender to provide further information.


  • Payout on the same day.
  • Loans are available in amounts ranging from $200 to $5,000.
  • The application process and approval last for less than three minutes.


  • Not accessible in every state.

Visit Viva Payday Loans >

3. Money Lender Squad:

Money Lender Squad connects you with several loan options at a time by granting you access to different lenders.

You can choose what kind of loan you want depending on your requirement, and your credit record wouldn’t even be an issue. Access personal loans within 24 hours, if approved, and pay back over 3 – 24 months, depending on what option you choose.

Money Lender Squad is suitable for borrowers with no credit or bad credit records who wants to take a loan no matter how small or large and pay it back later.

Loans are approved on the same day, usually within 24 hours, and you’re good to go!


  • Quick payout usually on the same day.
  • Loans are available in amounts ranging from $200 to $5,000.
  • Wide range of lenders available in multiple states.


  • Limited lender options for those who are unemployed.

Visit Money Lender Squad >

4. Credit Clock:

It may be hard to find loan providers who will even consider your loan request with a less than excellent credit score. However, Credit Clock can assist you in overcoming your anxieties by supporting you in choosing a loan regardless of your credit report. In addition, their loan providers are knowledgeable and will never reject a loan application based solely on your credit score.

Credit Clock quickly connects you to a comprehensive list of direct lenders and other loan networks who specialize in providing bad credit payday loans. Also, their extensive network of private lenders gives them an advantage in the credit markets and assists a wide range of people.


  • Applications are processed 100% online.
  • Flexible repayment periods from 1 – 12 months.
  • Wide range of lenders available in multiple states.


  • Not available in several states including Arkansas, Connecticut, New Hampshire and Montana.

Visit Credit Clock >

5. Very Merry Loans:

Very Merry Loans allows people to borrow up to $5000 for two to three years, regardless of their FICO scores. Customers can choose the required loan amount and the optimum payment period from the homepage for maximum convenience.

When the resources are available in an individual’s membership once they have been allowed, the website also encourages them to use them based on their chosen solutions.

In addition, Very Merry Loans offers a maximum APR of 35.99% without requiring a guarantor, rates vary widely from lender to lender.

The website provides loans for people with bad credit for unemployed residents with claims and debtors who can pay in installments and tiny payday advances. People can immediately take out a loan according to their own requirements by filling out a simple online application form.


  • Borrowers with bad credit are welcome to apply.
  • Online application takes just a few minutes to complete.
  • Speedy payout if approved by a lender.


  • Services aren’t available in 11 states.

Visit Very Merry Loans >

Same Day Payday Loans With Bad Credit – Conclusion

Same day bad credit payday loans are available at the providers reviewed above. The days of standing in line to submit loan applications with little or no promise of approval are long gone. Instead, in just a few minutes, you can fill out an online form, submit it, and apply with multiple providers in 1 application rather than filling out multiple forms – all while sitting on your favorite couch at home.

Any of the 5 best same-day payday loans with bad credit on our list will provide you with excellent service and prompt results.


What are same day bad credit payday loans?

Same day bad credit payday loans are loans which specialize for those with bad credit, and are paid the same day. They range from $100 – $5000 and are usually repaid over 24 months.

What is a bad credit score?

A bad credit score is usually a FICO score below 400. Bad credit can be caused by failing to make payments on time, such as your phone contract or car finance agreement.

What if I can’t repay my loan on time?

If you can’t repay your loan on time, contact the lender immediately. By doing so, you may be able to freeze any additional fees or charges which can occur with a bad credit payday loan.

How can I provide proof of income if I’m self-employed?

Being self-employed will limit your options for same-day bad credit payday loans, however, at minimum, most lenders will request you to provide:

  • Your annual tax returns
  • Bank statements (at least three months)
  • Official profit and loss statements

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