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Am I Eligible For A Payday Loan?

To qualify for a payday loan with Express Payday Loans, you simply need to meet the following criteria:

Be a U.S. resident

Be at least 18 years old

Have a stable employment

Earn a minimum of $1000 per month

Possess an active checking account for loan deposit

Everyone’s Credit History is Unique

That’s why our partner lenders are willing to consider different credit backgrounds. Even if you have bad credit, you can still submit a loan application, as we believe in providing opportunities for everyone.

We Prioritize Responsible Lending

As part of our process, we conduct thorough income and affordability checks. This ensures that you borrow an amount that is suitable for your financial circumstances, preventing any potential difficulties down the road.

Swift Online Application, Instant Approval

Complete Express Payday Loans secure loan form in minutes. Get instant approval and receive cash via e-transfer within 60 minutes after signing your contract.

Basic Requirements for Payday Loans

Express Payday Loans offers a streamlined process for obtaining payday loans when you need immediate cash assistance. Here is what you need to get approved:

Minimum age: 18 years

Valid identification

Proof of income or employment

Active checking account

Contact information (phone & email)

Proof of US residency

How To Apply for a Loan in 3 Easy Steps

Get Funds Fast

Get funds fast: Receive the money you need quickly.

Fast Funding

Fast funding: Access to funds within a short timeframe.

Bad Credit Available

Bad credit available: Approval is possible even with poor credit.

Quick and Convenient

Quick and convenient: Easy and hassle-free loan process

Fewer Approval Requirements

Fewer approval requirements: Less strict criteria for loan approval.

Get a Payday Loan Online

Express Payday Loans: Easy Loans for Low Credit. Experience hassle-free borrowing – Submit your online request and leave the rest to us.

How Much Do You Need?

Express Loan – Get a Free Quote

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Payday Loan Amounts

Qualifying loan amounts vary depending on the borrower’s income and the payday lender, although most states have laws establishing maximum payday loan amounts.

Some states even limit the ability of borrowers to have multiple outstanding payday loans in an attempt to keep consumers from borrowing large amounts at extremely high interest rates.

Does paying back payday loans build credit?


Paying back a payday loan doesn’t usually build credit. Most payday lenders don’t report on-time payments to credit bureaus, so the loan can’t help your credit score.


If you don’t pay the loan back, however, your credit can be damaged. The payday lender may report the default to the credit bureaus or sell the debt to a collections agency that will do so, which will hurt your score.

We are really help

The bottom line is that if you are looking into payday loans, you more than likely need money ASAP. Express Payday Loans understands and will work with you to make sure you receive the money you need as quickly as possible.

Loan for you

The unfortunate truth about the industry is that not all our competitors take the same approach. Your loan is built specifically for you. It is based on the information you provide in your application, so you know that we are considering your situation.

Why you should choose Express Payday Loans?

Apply for a payday loan today

If you’re looking for a payday loan, Express Payday Loans are here to help.

How Much Do You Need?

Express Loan – Get a Free Quote

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