If you’re looking for the most outstanding need money now loans, it’s most likely because you’re in desperate need of cash. Maybe your car broke down, and you need it repaired before you can get to work, or perhaps you just got slammed with an unexpected payment that you can’t afford to pay.

Whatever the cause, if you need money now, one alternative is to obtain an emergency loan. However, with so many various types of loans available, determining which one is best for you can be difficult.

While there are many other options for fast loans, GreenDayOnline is your best bet because it provides straightforward and transparent loans with reasonable loan conditions and quantities. 

Furthermore, there is no application charge, and the platform provides exceptional customer service.

Aside from GreenDayOnline, there are other lenders from whom you can obtain a cash loan. 

We’ve developed a list of the top online loans to assist you in getting through these difficult times.

GreenDayOnline: Best overall for emergency loans if you need money now

GreenDayOnline Advantages

  • No application fees
  • A straightforward application method
  • Quick funding
  • Provides loans to those with bad credit.

GreenDayOnline Drawbacks

  • Higher interest rates in comparison

GreenDayOnline is an online lending marketplace that connects you to a network of eager personal loan lenders. On the platform, you can apply for personal loans from Tribal and State lenders, with a minimum loan amount of $100 and a maximum credit amount of $5,000.

Customer Service at GreenDayOnline 4.9/5

GreenDayOnline’s customer service is outstanding. You can contact the company by phone or email; they will typically respond within 24 hours.

GreenDayOnline’s Terms and Conditions 4.8/5

The terms of obtaining a loan from GreenDayOnline are straightforward. 

It would be best if you were over 18, had a regular source of income, and had a current bank account.

Fees for GreenDayOnline 4.9/5

GreenDayOnline charges no fees for its services. Instead, you must pay the lender’s interest rates and costs. These fees vary according to the lender and the sort of loan you take out. The APR typically runs from 5.99% to 35.99%. It is higher for persons with bad credit.

GreenDayOnline Application Process 4.8/5 

GreenDayOnline makes it simple to apply for a loan. You must complete the brief online form with your personal information, which includes your Social Security number, address, phone number, email address, and income information. Following that, you will be contacted by emergency loan lenders.

You also don’t have to pay an application fee, which is a benefit because you’re probably already strapped for cash. However, the application form also requires the loan amount and credit type to be filled out (poor to excellent).

Finally, you must state the purpose for the loan application if you need money now, such as for a wedding, a move, auto repair, debt consolidation, an emergency, a significant purchase, home remodeling, or medical care, among other things.

RixLoans: Most transparent interest rates

RixLoans Advantages

  • Reasonable loan amounts
  • Short-term loans
  • The payment date is changeable.
  • Pre-qualification is possible.

RixLoans Drawbacks

  • High-interest rate

RixLoans is one of the top personal loan providers, allowing you to qualify for a loan with as little as a 580 credit score. RixLoans’ APR is higher than the norm. However, the flexible payment arrangements may be worth it, depending on your financial position.

RixLoans Customer Service Rating: 4.5/5

RixLoans’ customer service is responsive. On the lender’s website, you’ll also find financial education resources.

RixLoans Terms & Conditions: 4.6/5

To apply for a RixLoans loan, you must be 18 years old, have a consistent source of income, a minimum credit score of 580, and have a bank account. You can utilize the pre-qualification option to check your rate without harming your credit score.

RixLoans Fess: 4.5/5

To process your loan, RixLoans charges an origination fee. It might be as much as 6% of the loan amount. The APR is competitive with other lenders. RixLoans, on the other hand, does not provide any savings for setting up autopay. On the plus side, there are no prepayment penalties.

RixLoans Application Process 4.5/5 

RixLoans exclusively accepts applications for unsecured personal loans. RixLoans, like any other lender, requests personal and financial information from you. You can also utilize RixLoans’ website’s pre-qualification tool to get an idea of what kind of loan you might be able to acquire without hurting your credit score.

PAYDAYDAZE: Best For Flexible Repayment Terms


  • Pre-qualification is possible.
  • The payment date is changeable.
  • Rapid funding


  • Small loan amounts
  • There will be no secured or co-signed loans.

PaydayDaze provides the best money now loans for unforeseen expenses for those with bad to good credit. While a strong credit score is not required, PaydayDaze does charge an origination fee for the loan.

PAYDAYDAZE Customer Service: 4.5/5

On any day of the week, you can contact customer service. PaydayDaze also has a mobile app where you can monitor your loan status and handle other things like repayment.

PAYDAYDAZE Terms & Conditions: 4.6/5

A credit score of 580 or better is required. You must also be at least 18 years old, have a bank account, a consistent source of income, and be a US citizen.

PAYDAYDAZE Fees: 4.6/5

PaydayDaze fees aren’t relatively low, but they align with the market. The origination fee you pay to the lender for processing your loan application is an additional charge when applying for a loan on PaydayDaze. PaydayDaze does not provide a discount for automatic payments.

PAYDAYDAZE Application Process 4.6/5 

PaydayDaze offers rate quotes on their website without damaging your credit score. The application takes about 5 minutes to complete, and you will need to supply basic information such as your job status and personal details.PaydayDazeIpass offers rate quotes on their website without damaging your credit score. The application takes about 5 minutes to complete, and you will need to supply basic information such as your job status and personal details.

PaydayChampion: Best For creditworthy borrowers.

PaydayChampion Advantages

  • Reasonable prices
  • Autopay discount
  • Money-back guarantee
  • No charges

PaydayChampion Drawbacks

  • APR is high.

PaydayChampion Customer Service 4.5/5

Customer service is available 24 hours a day, seven days a week, via phone or email.

PaydayChampion Terms & Conditions: 4.5/5

To qualify for PaydayChampion personal loans, you must have fair to exceptional credit (600 FICO or more) and a few years of credit history. In addition, you must have a source of income, a Social Security number, and an email address.

PaydayChampion Fees: 4.7/5

PaydayChampion’s fees are lower than the national average for lenders. There is no origination cost and no late fees or prepayment penalties. You also get discounts if you set up autopay.

PaydayChampion Application Process: 4.7/5

PaydayChampion does not allow you to pre-qualify online by entering your personal information. 

Instead, you must begin the application procedure to determine your eligibility. The procedure is simple, as you must provide personal and financial information. 

To apply for loans on PaydayChampion, you must have a minimum FICO credit score of 600. 

You must also have a few years of credit history.

KashPilot: The best choice for secured loans

KashPilot Pros

  • Autopay discounts
  • Checking account discount
  • Various repayment terms
  • There are joint and fast loans available.

Cons of KashPilot

  • Late fees may apply.

Customer Service Rating: 4.7/5

Customer service is available 24 hours a day, seven days a week, via various methods. 

You may also manage loans via the platform’s mobile app.

KashPilot Terms & Conditions: 4.6/5

The application requirements are comparable to most other platforms, such as US citizenship, a bank account, and evidence of employment. In addition, you can include a co-borrower in your application. If you face an unprecedented hardship, you may be eligible for the platform’s Hardship Program. Borrowers’ monthly payments are temporarily decreased under this arrangement.

Fees for KashPilot: 4.7/5

KashPilot’s fees are equivalent to those of other loan providers. The site, however, charges a high origination cost of up to 8%. Meanwhile, you can save money by setting up autopay or a checking account.

KashPilot Application Process: 4.7/5

Before applying, you can check your rate with a light credit pull on the platform. 

It has no adverse effect on your credit score. The platform will perform a hard pull if you are approved for a loan and accept the offer.

When applying for a loan, you must submit your name, email address, date of birth, income, and employment status. The application procedure is straightforward and may be finished quickly.

Please keep in mind that the approval procedure can take a few minutes. However, you could receive the monies within a day if authorized. Terms of repayment range from two to seven years. In Washington, DC, KashPilot does not provide loans.


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