5 Best Same Day Payday Loans for Bad Credit in 2022

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Do you have an emergency and need to borrow money? Anyone who knows how and where to get emergency money would rejoice. There are fast online loans with same day approval if you are in dire financial straits. Let’s explain why they are so important.

No one expects to find themselves in financial difficulties. Unfortunately, sometimes all it takes is a broken down car or boiler to plunge you into a sea of ​​debt. You find yourself unable to manage the bills or pay your rent. These are some of the unexpected and unfortunate events that come with life, and unfortunately anyone can be caught off guard.

In this guide, we will review the best same day payday loans available online.

5 Best Same Day Payday Loans With Bad Credit in 2022

Here is our list of the 5 best same day payday loans with bad credit in 2022:

Heart Paydays: ideal for same day loans for people with bad credit.

Viva Payday Loans: ideal for quick and easy loans, no credit history required.

Money Lender Squad: best for a wide range of lender options.

Credit Clock: ideal for new borrowers accessing payday loans.

Very happy loans: ideal for flexible repayment options.

1. Heart Paydays:

At Heart Paydays, borrowers can choose from a variety of bad credit payday loans ranging from $100 to $5,000, with terms up to 24 months. You can complete a simple online application form and get a loan approval response in less than two minutes. You will know if you have been authorized or denied.

If you are authorized to obtain a loan, you will be directly transferred to the poor credit personal loan directly to the lenders who will provide you with the money. If the lender can help you, they may ask you for additional data, such as proof of address, bank statements and proof of income. After reviewing and approving the terms and conditions, the borrower confirms the loan and receives the money via direct cash deposit shortly thereafter. The loan is repaid by monthly direct debit.

The interest rate varies from one direct lender to another; however, the site typically ranges from 5.99% to 35.9%.


  • If approved, funds can be sent within 24 hours depending on your bank.
  • Candidates with bad credit are considered.
  • The application and approval process takes less than three minutes.

The inconvenients

  • Additional charges may accrue if you do not repay on time.

Visit Heart Paydays >

2. Viva Payday Loans:

Viva Payday Loans uses a loan matching service to connect borrowers with lenders, including same day payday loans for bad credit. Loan options range from $100 to $5,000 and you can repay in terms ranging from 3 to 12 months. The application is entirely online and you should receive your loan within minutes. You can get the funds within 15 minutes or the same day after signing the loan agreement.

The process at Viva Payday Loans is simple. Start by selecting the amount you want to borrow and for how long. Next, complete the application form with your details – once submitted, if approved, you will be transferred to a lender to provide further information.


  • Same day payment.
  • Loans are available for amounts ranging from $200 to $5,000.
  • The application and approval process takes less than three minutes.

The inconvenients

  • Not available in all states.

Visit Viva Payday Loans >

3. Money Lender Team:

Money Lender Squad connects you to multiple loan options at once by giving you access to different lenders.

You can choose the type of loan you want according to your needs, and your credit report would not even be a problem. Access personal loans within 24 hours, if approved, and repay over 3 to 24 months, depending on the option you choose.

Money Lender Squad is suitable for borrowers with no credit or bad credit who want to take out a loan, no matter how big or small, and pay it back later.

Loans are approved same day, usually within 24 hours, and you’re good to go!


  • Prompt payment usually the same day.
  • Loans are available for amounts ranging from $200 to $5,000.
  • Wide range of lenders available in multiple states.

The inconvenients

  • Limited loan options for those who are unemployed.

Visit Money Lender Squad >

4. Credit Clock:

It can be difficult to find loan providers who will even consider your loan application with a less than excellent credit rating. However, Credit Clock can help you overcome your anxieties by helping you choose a loan regardless of your credit history. Plus, their loan providers are knowledgeable and will never reject a loan application based on your credit score alone.

Credit Clock quickly connects you to a comprehensive list of direct lenders and other lending networks that specialize in providing bad credit payday loans. Additionally, their vast network of private lenders gives them an edge in the credit markets and helps a wide range of people.


  • Applications are processed 100% online.
  • Flexible repayment periods from 1 to 12 months.
  • Wide range of lenders available in multiple states.

The inconvenients

  • Not available in several states including Arkansas, Connecticut, New Hampshire and Montana.

Visit Credit Clock >

5. Very Happy Loans:

Very Merry Loans lets people borrow up to $5,000 for two to three years, regardless of their FICO scores. Customers can choose the required loan amount and optimal payment period from the homepage for maximum convenience.

When the resources are available in an individual’s membership once they have been authorized, the website also encourages them to use them according to the solutions they have chosen.

Additionally, Very Merry Loans offers a maximum APR of 35.99% without requiring a guarantor, rates vary widely between lenders.

The website offers bad credit loans for unemployed residents with claims and debtors that can pay in installments and tiny payday advances. People can immediately take out a loan according to their own needs by filling out a simple online application form.


  • Borrowers with bad credit are encouraged to apply.
  • The online application only takes a few minutes to complete.
  • Prompt payment if approved by a lender.

The inconvenients

  • Services are not available in 11 states.

Visit Very Merry Loans >

Same Day Payday Loans With Bad Credit – Conclusion

Same day bad credit payday loans are available from the providers reviewed above. Long gone are the days of queuing to submit loan applications with little or no promise of approval. Instead, in just minutes, you can fill out an online form, submit it, and apply to multiple providers in one app rather than filling out multiple forms — while sitting on your favorite couch at home.

One of the top 5 same day payday loans for bad credit on our list will provide you with great service and fast results.


What Are Same Day Bad Credit Payday Loans?

Same day bad credit payday loans are loans that specialize for those with bad credit and are paid the same day. They range from $100 to $5,000 and are usually repaid over 24 months.

What is a bad credit score?

A bad credit score is usually a FICO score below 400. Bad credit can be caused by not making payments on time, such as your phone contract or car financing agreement.

What happens if I can’t repay my loan on time?

If you cannot repay your loan on time, contact the lender immediately. By doing so, you may be able to freeze additional fees or charges that may arise with a bad credit payday loan.

How can I provide proof of income if I am self-employed?

Being self-employed will limit your options for same day bad credit payday loans, however, at a minimum most lenders will require you to provide:

  • Your annual tax returns
  • Bank statements (at least three months)
  • Official profit and loss accounts

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