Quick cash to get you through to your next paycheck — apply in 2 minutes, get funds within 24 hours
Fast approval, funds within 24 hours
Payday loans are true to their name — they're small, short-term loans designed to carry you through to your next payday. Think of them as a financial breather that lets you catch your breath when unexpected expenses pop up or when you're running short before your salary arrives.
At NeptuneLoan, we connect you with lenders offering payday loans from $100 to $5,000. These loans are designed to be quick to get and easy to pay back, so you're not stuck in debt for long. Most lenders set up automatic repayment from your bank account when your paycheck comes in — convenient and hassle-free.
Whether you need a few hundred dollars for an emergency car repair or a bit more to cover rent until payday, our network of lenders is ready to help. The entire process happens online, and you could have cash in your account within 24 hours.
The process is super simple. Fill out our online application form with your requested loan amount and preferred term — it takes about 2 minutes. Once submitted, our system matches your application with lenders most likely to approve your request. You'll receive a decision in minutes, not days.
If a lender can help, you'll be connected directly to review the loan terms, sign the agreement, and get the money deposited into your bank account. Most of our lenders offer same-day or next-business-day funding, so you can get cash fast when you need it most.
Repayment is straightforward. The lender typically sets up an automatic debit from your bank account on your next payday or according to a schedule you agree upon. This means you don't have to worry about remembering payment dates or manually transferring money.
Back in the day, bad credit meant no loan for you — period. Nowadays, bad credit is just a bump in the road, not a dead end. Many lenders in our network readily work with borrowers who have less-than-perfect credit scores or even no credit history at all.
If a traditional bank has turned you down or you've been rejected by other platforms, you may have better luck here. Our lenders focus on what really matters: can you afford to repay the loan? They look at your current income, employment status, and overall financial situation — not just a number on your credit report.
One bonus of payday loans: making consistent, on-time payments can actually help rebuild your credit score over time. It's a chance to get the cash you need now while improving your financial future.
Payday loans are designed for everyday Americans who need quick access to cash. You may qualify if you:
2-minute application, decision in minutes, cash by tomorrow
Bad credit, no credit — our lenders look at more than just your score
256-bit SSL encryption protects your personal information
Transparent terms — you know exactly what you're paying
Don't let a cash shortage stress you out. Use the loan selector above to choose your amount and check your rate — it only takes 2 minutes and won't affect your credit score. If approved, you could have money in your bank account as soon as tomorrow.
There's no obligation to accept any offer, so you've got nothing to lose. See what payday loan options are available to you today.
Disclosure: NeptuneLoan is not a lender. We are a loan matching service that connects borrowers with independent third-party lenders. Loan approval, terms, and funding are determined solely by the lender. APR ranges from 5.99% to 35.99%. Actual rates depend on the lender and your creditworthiness.