Best payday loans

Do you want to know which are the best companies offering payday loans in the United States? Responsible Economy provides you with a detailed overview of the top financial institutions where you can apply for payday loans, along with the features of each credit option. Let’s get started!

10 best payday loans

Here is a table with the key features of the best payday loans you can apply for in the United States. Later on, you will find each loan detailed individually:

Logo SoFi loans
  • APR: 8.99-25.81%
  • Terms: 2-7 years
  • Amount: $5,000-$100,000
  • Credit Score: no
Logo LightStream loans
  • APR: 7.99-25.49%
  • Terms: 2-12 years
  • Amount: $5,000-$100,000
  • Credit Score: 660
Logo Upstart loan
  • APR: 6.50-35.99%
  • Terms: 3-5 years
  • Amount: $1,000-$50,000
  • Credit Score: no
Logo Happy Money loans
  • APR: 10.50-29.99%
  • Terms: 2-5 years
  • Amount: $5,000-$40,000
  • Credit Score: 640
Logo upgtrade loans
  • APR: 8.24-35.97%
  • Terms: 2-7 years
  • Amount: $1,000-$50,000
  • Credit Score: 560
Best Egg loan
  • APR: 8.99-35.99%
  • Terms: 3-5 years
  • Amount: $2,000-$50,000
  • Credit Score: 600
Logo Universal credit loans
  • APR: 11.69-35.93%
  • Terms: 3-5 years
  • Amount: $1,000-$50,000
  • Credit Score: 560
Logo Discover personal loans
  • APR: 6.99-24.99%
  • Terms: 3-7 years
  • Amount: $2,500-$40,000
  • Credit Score: 660
logo rocket loans
  • APR: 9.116-29.99%
  • Terms: 3-5 years
  • Amount: $2,000-$45,000
  • Credit Score: 640


Best Overall ClearViewLoans stands out for its user-friendly platform, ensuring a hassle-free experience to secure funds ranging from $100 to $5,000. With a swift and secure application process, you can receive your loan within 24 hours.


Ideal for Bad Credit Designed for individuals with poor credit scores, BadCreditLoans connects you with lenders offering payday loans from $500 to $10,000. A simple online application process with no minimum credit score requirement ensures accessibility.


Swift Cash Advances When speed is crucial, CashUSA delivers with fast approvals and funding ranging from $500 to $10,000. Expect competitive APRs between 5.99% and 35.99%, with funds available within 24 hours.


Larger Personal Loans For those seeking larger loans, offers options up to $35,000, providing flexibility with repayment terms of three to 72 months. Their platform ensures transparent loan terms and straightforward repayment plans.

Frequent questions

Now we answer any questions you may have:

To conclude, we present you with related content about payday loans:

Updated the day 1 September, 2023 by Alfredo Barandiarán

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