Get the Cash You Need—FAST!
Apply Now!Payday & Installment Loans Online
Need money before your next paycheck? With Guaranteed Cash Now you can request a short-term loan online in a few minutes, from your phone or computer. Tell us how much you need and our secure form looks for a lender that may be able to help, without faxing and without a trip to a store.
- $100 – $35,000loan amounts you can request
- 5 minutesto complete the online form
- Online decisionno faxing in most cases
- Direct depositoften by the next business day if approved
Two Ways to Borrow
Payday Loans Online
A payday loan, also called a cash advance, is a small loan that you repay in one payment on your next payday, usually in two to four weeks. It suits a one-off expense such as a car repair or a utility bill that cannot wait.
- Typical amounts: $100 to $1,000, set by state law
- Repaid in one payment on your next payday
- Fee is a flat amount for each $100 borrowed
Installment Loans Online
An installment loan lets you borrow a larger amount and repay it in equal scheduled payments over several months. Each payment covers part of the amount you borrowed plus interest, so the balance goes down with every payment.
- Larger amounts, depending on the lender and your state
- Repaid in installments over several months
- You know every payment amount and date in advance
| Payday loan | Installment loan | |
|---|---|---|
| Typical amount | $100 – $1,000 | larger amounts, often several thousand dollars |
| Term | 2 – 4 weeks | several months or longer |
| Repayment | one payment on your next payday | equal payments on a set schedule |
| Cost | flat fee per $100 borrowed; very high APR | interest on the remaining balance; APR varies widely by lender and state |
| Good for | a small, one-time expense | a bigger expense you want to spread out |
How Much Does a Short-Term Loan Cost?
Short-term loans are an expensive way to borrow, so it pays to know the price before you sign. According to the Consumer Financial Protection Bureau, payday fees usually range from $10 to $30 for every $100 borrowed. A typical two-week loan with a $15 fee per $100 works out to an APR of almost 400%.
Example: you borrow $300 for two weeks with a fee of $15 per $100.
Fee: 3 × $15 = $45. On your next payday you repay $345.
Installment loans spread the cost over several payments, but the total interest can be higher because you borrow for longer. Before you sign, the lender must show you the APR, the finance charge and the total of payments in writing. Compare these numbers, borrow only what you need and make sure the payments fit your budget.
How It Works
- Fill out the form. Tell us how much you need, your income and your bank details. It takes about five minutes.
- Get a decision online. Lenders review your request, usually within minutes. If a lender can help, you see its offer.
- Review and sign. Read the amount, fees, APR and payment dates. Sign only if the terms work for you.
- Receive your money. Funds go straight to your bank account, often by the next business day, and payments are debited on the dates in your agreement.
What You Need to Apply
- You are a U.S. resident of legal age in your state (18 or older in most states)
- A steady source of income, from a job or benefits
- An active checking account in your name
- A valid e-mail address and phone number
- Your Social Security number to verify your identity
Each lender sets its own criteria. See the full requirements published by Guaranteed Cash Now.
Why Guaranteed Cash Now
Online since 2014
Guaranteed Cash Now is a trade name of B Financial LLC in Addison, Illinois. About us
Secure form
Your information travels over an encrypted connection and is handled as described in our Privacy Policy.
Free to request
There is no fee to submit a request and no obligation to accept an offer.
Real people
Questions? Call 877-822-1064, Monday – Friday, 9am to 5pm CST, in English or Spanish.
Questions About Payday & Installment Loans
Is approval guaranteed?
No. Despite our name, no lender can promise approval before reviewing your request. The lender checks your income, bank account and other information and decides whether to make an offer and for how much.
Can I apply with bad credit?
Yes, you can submit a request with any credit history. Many short-term lenders look mostly at your income and bank account, but they may still check credit through specialty or major credit bureaus, and bad credit can affect the amount and the cost you are offered.
Do lenders check my credit?
It depends on the lender. Some use only alternative data and specialty bureaus, others run a soft or hard credit inquiry. A lender has to tell you if a decision was based on information in a credit report.
How fast will I get the money?
If you are approved and accept the loan, most lenders send the funds by direct deposit, usually by the next business day. Timing depends on the lender, when you sign and your bank's processing schedule.
Can I get $500 the same day?
Sometimes. A few lenders can fund the same day when you sign early on a business day, but same-day funding is not available everywhere and is never guaranteed.
Are you a direct lender?
No. Guaranteed Cash Now is not a lender. Our secure form passes your request to lenders who may be able to help, and the lender that makes you an offer is the one you sign with and repay.
Is it available in my state?
Availability depends on state law. Payday loans are not allowed in some states, and loan amounts, fees and terms differ from state to state. Enter your state in the form to see whether a lender can help you.
Does it cost anything to apply?
No. Submitting a request is free and you are not obliged to accept any offer. You only pay the fees and interest of a loan you choose to sign.
Last reviewed: 2026-11-05. Sources: Consumer Financial Protection Bureau; loan request form on this site.