Instant payday loans can mean the difference between incurring late fees and higher interest rates on credit cards, car loans or mortgage payments — or avoiding trouble altogether. Payday Central is here to help consumers take care of emergencies and debts when they arise. Anyone can come up short when the car needs a new transmission, an unexpected medical bill arrives or any of a dozen other everyday emergencies arise. At Payday Central, we provide access to trustworthy payday lenders, right from the comfort of your home or workplace. Payday Central is not a lender, but can match you with reputable lenders that pre-approve your online application in minutes.

No Credit Check 

One of the great benefits of instant payday loans is that they do not require a credit check. This is great news for anyone who has a low credit score, or no credit history. Your loan application is approved based on a few simple criteria, including your length of employment, legal residency, monthly income, and having a bank account in your name. You will also need a working phone and email account.

Very Convenient

Anyone with access to a computer with an Internet connection can apply for an instant payday loan in just minutes. The online application can be completed in as little as five minutes, and getting approval is just as fast. After you’re pre-approved, we’ll match you with lenders who fit your needs. You pick which company you’d like to work with. Usually there is no faxing needed – everything is done online.

Fast Money

The whole purpose of instant payday loans is to give borrowers access to quick cash. During emergencies, you can’t wait weeks to receive funds, as is typically the case with bank loans. At Payday Central, you can get money in your bank account within 24 hours of your approval. The funds are direct-deposited into your account, so there’s no waiting around for a check to show up in the mail.

No Hidden Fees

When you apply through Payday Central, you won’t have to worry about shady predatory lenders lurking around. The companies that offer instant payday loans within our network all adhere to the Truth in Lending Act, which requires all lenders to disclose their fees and rates upfront to borrowers. This means that you’ll know exactly what you’re paying upfront. Just make sure to read through the agreement of the lender before e-signing it.

Easy Qualifications

It’s easy to qualify for instant payday loans. Since there are no credit checks to determine your approval, only the following criteria must be met:

• You must be at least 18 years old.
• Earn at least $1,000/mo. after taxes.
• Be employed for 90 days or longer.
• Have a valid email address and phone number.
• Have a bank account in your name.
• Be a U.S. citizen or permanent resident.

It’s easy to meet these criteria. Once you have read through the terms of your contract, getting instant payday loans is easy.