12 Same Day, Bad Credit Loans You Can Apply for Online or In-Store

Same day loans can be handy in a pinch, though they’re extremely expensive and can be dangerous if you’re financially unstable. You can apply for a same day loan online or in person from lenders like Advance Paycheck Online or Check Into Cash. For more information on same day loans and where to apply, see below.

In This Article

What You Need to Know About Same Day Loans

There are a few different types of same day loans, all of which fall under the personal loan category. Personal loans are unsecured, which means they aren’t secured by collateral. Collateral is something like a home, boat, or car that a lender can repossess if you don’t repay the loan as agreed, according to LendingTree. While you can get the cash you need the same day you apply, same day loans, in general, are extremely costly and can be dangerous if you’re already in financial trouble. Here are a few different types of same day loans:

  • A payday loan is an extremely short-term (think: two weeks), high-interest loan. It’s called a payday loan because borrowers were traditionally required to write a check for the full amount plus fees post-dated to their next payday, according to the Consumer Financial Protection Bureau. Payday lenders verify income and bank account information but often forego a traditional credit check, thus making them attractive to borrowers with poor credit.
  • A cash advance is a short-term loan taken against an existing line of credit. However, unlike normal credit card activity, cash advances start accruing interest as soon as the cash is taken out — and the interest rate may be much higher than your APR for credit card purchases.

Where to Get Same Day, Bad Credit Loans

While loan company storefronts make it possible to apply in person and walk out with cash, you can also take advantage of same day online loans. Funds can be deposited in your bank account within one business day. We have the list of online and physical lenders that offer same day loans for those with bad credit.

Note: There may be other in-person lenders available in your area. If none of the options listed below appeal to you, run an online search to find same day loan options near you.

1. Advance Paycheck Online

Advance Paycheck Online loans are available in Illinois, Utah, and Wisconsin.

  • Online or in-store: Online
  • Types of loans offered: Cash advances, personal loans, and installment loans
  • Loan amounts: $200 to $1,500
  • Requirements and terms: Application decisions and funds will be delivered within 24 hours; bad credit won’t disqualify you from getting a loan. Exact requirements and terms are undisclosed by Advance Paycheck Online.
  • Apply for a same day loan from Advance Paycheck Online
  • Source: Advance Paycheck Online

2. Bonsai Finance

Bonsai Finance loans are available in all states except Arkansas, New York, West Virginia, and Vermont.

  • Online or in-store: Online
  • Types of loans offered: Personal loans and payday loans
  • Loan amounts: $100 to $5,000 (for payday loans) or up to $15,000 (for personal loans)
  • Requirements and terms: Applicants must be between 18 and 65 years old, a U.S. resident, and have an active bank account. Personal loan applicants must have a minimum net monthly income of at least $500; your loan payment cannot exceed 15% of your gross monthly income. The APR on personal loans starts at about 6%. Terms vary for payday loans.
  • Apply for a same day loan from Bonsai Finance
  • Source: Bonsai Finance

3. CashOne

CashOne matches you with lenders based on your criteria; all loans are not available in every state due to some states’ legal restrictions on short-term and payday loans.

  • Online or in-store: Online
  • Types of loans offered: Loan types vary by lender
  • Loan amounts: Vary by the lender
  • Requirements and terms: To apply, you must be at least 18, currently employed at a job you’ve had for 90 days or longer, and have a net income of at least $1,200 a month. Poor credit will not disqualify you from getting a loan. Funds may be available the next business day. APRs range from 20 to 300%.
  • Apply for a same day loan from CashOne
  • Source: CashOne

4. Cash 1

Cash 1 stores are located in Arizona and Nevada.

  • Online or in-store: In-store and online
  • Types of loans offered: Personal loans
  • Loan amounts: Up to $1,500
  • Requirements and terms: You can be approved and funded in as little as 15 minutes. Proof of income is required. Your loan amount will be determined by your income level and state regulations. Terms range from 90 days to six months, depending on the loan type and amount.
  • Apply for a same day loan from Cash 1 online or at your nearest Cash 1 location
  • Source: Cash 1

5. Check Into Cash

Check Into Cash has more than 1,100 store locations in 27 states.

  • Online or in-store: In-store and online
  • Types of loans offered: Payday loans
  • Loan amounts: $50 to $1,000
  • Requirements and terms: You’ll need to show proof of income, a photo ID, your most recent checking account statement (to prove that your bank account is active), and a personal check. Specific terms vary by location, but those with bad credit may still qualify for a payday loan. APRs can be up to almost 1,500%, so use these payday loans with caution.
  • Apply for a same day loan from Check Into Cash online or at your nearest Check Into Cash
  • Source: Check Into Cash

6. Check ‘n Go

Check ‘n Go has about 875 locations in 24 states.

  • Online or in-store: In-store
  • Types of loans offered: Payday loans, installment loans, and cash advances
  • Loan amounts: Vary based on income level and state of residence
  • Requirements and terms: Most loans require verified income and an active checking account. Payday loans typically have two- to four-week terms. You may be able to receive your funds before leaving the store; those with bad credit may still qualify.
  • Find your nearest Check ‘n Go to apply for a same day loan
  • Source: Check ‘n Go

7. Community Choice Financial

Community Choice Financial has more than 500 locations in 31 states.

8. King of Kash

King of Kash has store locations in Missouri.

  • Online or in-store: In-store and online
  • Types of loans offered: Personal loans
  • Loan amounts: Up to $3,000
  • Requirements and terms: To apply, you must be at least 18, provide a valid Social Security number, have proof of income and employment, and have an active checking or savings account in your name. A traditional credit check is not required. Terms are for 12 months, paid in monthly installments.
  • Apply for a same day loan from King of Kash online or at your nearest King of Kash
  • Source: King of Kash

9. Moneytree

Moneytree has locations in California, Colorado, Idaho, Nevada, and Washington.

  • Online or in-store: In-store
  • Types of loans offered: Availability varies by state, but payday loans and installment loans are available at most Moneytree locations.
  • Loan amounts: Vary by loan type and state regulations
  • Requirements and terms: Specific terms vary by location; borrowers with poor credit will still be considered for a loan
  • Find your nearest Moneytree to apply for a same day loan
  • Source: Moneytree 

10. Same Day Loans 365

Same Day Loans 365 offers loans in most states, except Arkansas, New York, West Virginia, and Vermont.

  • Online or in-store: Online
  • Types of loans offered: Payday loans and installment loans
  • Loan amounts: Up to $5,000
  • Requirements and terms: You’ll need to earn at least $1,300 a month and have a bank account that can accept electronic transfers. The site states that “any credit score is OK.” Funds are dispersed within one business day of approval. Payday loan interest rates range from 472 to 842%.
  • Apply for a same day loan from Same Day Loans 365
  • Source: Same Day Loans 365

11. Snappy Pay Day Loans

Snappy Pay Day Loans matches you with lenders; loans are available in most states, except where restricted by law.

  • Online or in-store: Online
  • Types of loans offered: Loan types vary by lender
  • Loan amounts: Vary by lender
  • Requirements and terms: Vary by lender; funds are generally available the next business day, but some direct lenders may be able to fund same-day loans. Borrowers with bad credit or no credit may still be approved for a loan.
  • Apply for a same day loan from Snappy Pay Day Loans
  • Source: Snappy Pay Day Loans

12. Wise Loan

Wise Loan offers loans in Idaho, Mississippi, Missouri, New Mexico, South Carolina, Texas, and Utah.

  • Online or in-store: Online
  • Types of loans offered: Short-term installment loans for financial emergencies
  • Loan amounts: Up to $1,500
  • Requirements and terms: The application process takes less than five minutes, and borrowers with bad credit can still qualify for a loan. Funds are available the next business day (for free) or the same day (for a $4.95 surcharge). APRs range between 300 and 520%.
  • Apply for a same day loan from Wise Loan
  • Source: Wise Loan

In Summary

Although a same day loan can put cash in your hands now, it’s an expensive and sometimes risky option. We listed the places where you can apply for a same day loan, including Advance Paycheck Online, Check Into Cash, and Moneytree. For more information on short-term loans for those with bad credit, see our articles: Auto Repair Loans for Bad Credit, Including No Credit Check Options and Payday Loans Online: No Credit Check, Direct Lender Options Listed, and Loans for People on Disability with Bad Credit.

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