Direct Payday Lenders

Loans For People With Bad Credit


About 2 Minute Payday ™

2 Minute Payday ™ provides a 100% FREE payday loan lender matching service. Finding a payday loan lender can be a daunting task which is why we established this business and have a proven track record of satisfied customers.

When you complete the secure online loan application your information is sent in real time through an encrypted server to pool of payday loan lenders. These lenders will review your application and contact you if they can provide you with a loan.

Before you accept the loan the lender must disclose any and all fee's that may be associated with the loan. You are NOT obligated to accept the loan and you have the right to turn down the loan if it doesn't meet your needs. Your interest rate and the loan amount you are eligible for will vary depending on the state you live in and your financial history.

Payday loans will usually have higher interest rates when compared to a loan from a traditional bank. The interest rate is usually higher for these type of loans because the borrower typically has a higher risk factor for the lender.

In order to be approved for a cash advance you will need to meet several requirements (please see the FAQ page for full details):

  • 1. You must be 18 years or older.

  • 2. You must be employed for a minimum of 90 days.

  • 3. Your take home income must be a minimum of 1000.00 dollars per month.

  • 4. You will need a checking account that accepts direct deposit.

    If you apply before 1:00pm the loan lenders can typically fund your loan the same day if you're approved. Most banks are only open until 5:00pm which is why you have a better chance of getting your loan if you apply earlier in the day. If you're ready to apply simply click the apply now button in the navigation bar or click on the large banner above. Lenders will at their own discretion perform credit checks.

    At 2 Minute Payday ™ we pride ourselves in being totally transparent about the service we offer and providing you the best service possible. If at any time you have questions or comments feel free to drop us a line using the contact form.

    Best Regards,
    2 Minute Payday ™