What We Provide

Payday App: Financial Help for Everyone

Are you looking for the most suitable cash app?

When life throws you another curveball, you have to get ready and embrace it. PayDaySay is your helping hand when it comes to getting a small personal loan for consumers who work but don’t have enough aid to cover emergency expenses.

Every woman and man has the opportunity to utilize this money borrowing app that works 24/7 directly from your smartphone and allows you to use the borrow feature and solve any upcoming monetary issues right away.

To start the loan request process, define the amount you need and let us try to find you a reliable provider here. Hit the "Get Started" button, input the necessary details and wait for the results. Get in touch with a safe lender through this app, then wait for the funds to be sent to your account.

Two phones

PaydaySay is a great place to submit a quick payday loans online same day request. Provide just your basic details and you will be connected with a suitable lender via our app. We cooperate with a wide range of direct lending institutions to ensure that any customer has a chance to get a payday advance with a free plan.

How Much Money Can I


Many people encounter urgent situations in their lives when they can’t bolster their finances. Do you need to borrow money using direct deposits?

Payday loans present a modern way of borrowing money for the short term without the need to gather paperwork.

If you have an active checking account, you may want to know how much it is possible to withdraw with this app. Usually, cash advance apps that loan money provide an opportunity to obtain a decent amount of additional funds.

Using the PayDaySay app, you may get from $100 to $5,000 for your immediate cash needs.

Personal loans are issued to the applicants with any credit score, while the funds can be utilized for a variety of needs and purposes.

It’s easy to get your loan options for a sum up to $5,000 depending on your current financial aims.

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How to Request Money from PayDaySay

If you can’t bolster your funds right away, you may simply open our one of the best cash advance apps and request funds in a minute. This is a convenient and fast process that also protects your personal and banking data as well as account activity.

Do you need quick financial aid that will come to the rescue and issue the necessary funds to help you support your urgent needs within a certain repayment period? You may also search for FDIC insured banking institutions. This borrow money app is designed to help every borrower meet their short-term cash advance needs. It works similarly to your Chime account. There are three easy steps to request your fast funding:


Submit Web Request

Lenders in our network just need some data about you as a potential borrower so that we can issue the funds. Full name, valid bank account, and your phone number are more than enough. Whether it’s your Chime checking account, Spotme feature, or PayDay Say account, lenders only need your basic information.


Get Quick Options

You don’t need to travel to New York department or any other places. Consumers will instantly get connected with direct lenders through one of the best payday loan app. This process is fast and takes a few seconds. Only the best payday loan apps like PayDaySay cooperate with trusted creditors that work fast.


Receive the Funds

Unsecured personal loans can be quickly obtained via direct deposit into your checking account with overdraft coverage. Our loans app is suitable for borrowers with any credit and it offers free access. This editorial note includes voluntary tips as we don’t charge anything for our services.

Our money loan app uses industry-led data protection. We never disclose personal information to third parties and we utilize 256-bit encryption. Everything is transparent and safe, the funds can be obtained through ATM withdrawals. No worries or hassle. Your funds are just a few minutes away from you if you need enough money transferred fast.

Loan Apps vs Cash Advance Apps

When consumers are strapped for funds and seek the best borrow money app, they may either qualify for extra funds using a loan app or a cash advance app. Having a valid bank account is an important factor for getting supplemental funds.

Some cash apps require covering monthly membership fees and overdraft fees while others don’t. There is a difference between payday loan apps and advance cash app, borrow money for the short term can often be necessary if you need to stay current on bills or finance an emergency expense. Here is the difference between these two lending options:

Loan App
Cash Advance App
Amount to Borrow
Generally $100 to $5,000
Percentage of your credit limit
Repayment Terms
Accrues interest at once, fixed pay back time
Accrues interest at once, can be long-term
Interest Rates
Generally 400% APR and higher
24% average APR (won’t charge fees additionally)
Extra Charges
$15 to $30 per $100 borrowed
3% to 5% or $10 to $20 of the transaction
Basic Requirements
ID and active bank account
Credit card that allows cash advances

It Takes Less Than 5 Min

We will try to connect you with a direct lender no matter what your credit score is.

Our Expert Writers


Rebecca McClay

Financial Writer, Editor

Rebecca McClay is an experienced financial writer and a regular contributor to Investopedia and published in Bloomberg, The Wall Street Journal, TheStreet, MarketWatch, etc.


Allison Martin

Financial Educator and Writer

Allison E. Martin is a Certified Financial Education Instructor (CFEI) featured on The Wall Street Journal, Investopedia, MoneyTalksNews, ABC News, MSN Money, Yahoo!Finance and Fox Business.


Kathryn Pomroy


Kathryn Pomroy holds a BA in journalism. She writes for major publications and financial companies, including Intuit/Quickbooks, Money Crashers, NextAdvisor/Time and FOX Business.

Borrow Responsibly

When we think about any borrow money app, users want to find the most suitable cash app to borrow money for the short term.

Payday loans have become very popular and widespread among clients these days. Customers want to visit a specific product’s site to spend their earned wages instead of improving their spending habits. Shopping products can cost quite a lot today while the average income isn’t high enough.

If you have a steady income source but your spending has risen recently, you can easily sign a contract with one of the money borrowing apps. Do you need supplemental aid instantly? Can’t you wait until the next paycheck? Credit card issuers look at your bank account balance and usually conduct a hard credit check. Apps that loan money may perform only a soft credit check so your credit score won’t get hurt.


Financial experts agree that maintaining a good credit score is essential if you want to be eligible for lending solutions and borrow money without overdraft fees. Remember to mention an active checking account when you seek personal loans. We encourage you to borrow a personal loan responsibly as your credit score may be affected. Funding apps let the clients bridge their financial gaps but you should take out only the amount you really need at the moment.

Don’t be scared of credit checks as the providers of a money borrowing app usually conduct a soft credit check. If you have a positive balance, there is nothing to worry about. Make certain you utilize online apps wisely and take full responsibility for the aid transferred to your debit card. Whatever unexpected expense happens, you will have to pay the debt off on time.

What You Need to Know Before Making a Decision

Whether you decide to obtain a short term loan from Dave app or any other lending tool, many cash advance apps offer to request the money pretty fast. If you meet the demands of qualifying direct deposits, you will be able to get connected with direct lenders through PayDaySay money borrowing app. While loan amounts vary from one financial institution to another, minimum balance fees are also different.

Once you are offered a loan agreement, your aim is to check the pay period and look for overdraft protection. Each personal loan contract may come with a different annual percentage rate. Money apps like PayDaySay can’t tell you the contract details as it’s not our company’s competence. Contact the service provider personally, if you want to learn about interest rates, penalty fees, overdraft fee.


Monthly Membership Fees

Generally, fee ranging is quite affordable but high fees can be applicable for consumers with less than perfect credit scores. Make sure your credit history and direct deposits history are in good shape to qualify for the better terms and rates from payday lenders. The monthly fee may range from $10 to $30 per $100 borrowed. This membership fee depends on your state law and the ... Show Moremaximum sum your state permits you to borrow when you need to cover emergency expenses. Credit unions have smaller fees to transfer money but it’s harder to apply for these banking services. Show Less


Fast Funding Fees

Fast cash can be quite expensive as you will need to pay interest. Are personal loans apps safe? Yes, you can receive the desired loan amount fast and return it on the next payday. The loan amount can range from $100 to $5,000 but covering interest is obligatory. Fast funding can be used as financial protection for cash withdrawals, car repair, or any other unexpected ... Show Moreexpenses. A fast funding fee of $15 per $100 is common. The lender will automatically transfer the money directly to your bank account. Show Less


External Bank Account Fees

Wire transfer charges on a credit builder loan typically range from $0 to $50. The price of financial products varies among service providers. The local bank may have zero external bank account fee while some banking institutions offer early access to more money and charge interest of up to $35 for domestic outgoing wire transfer. For example, international outgoing wire transfer char... Show Moreges are usually $35-50. Show Less


Late Payment Fees

Depending on the state law, some apps impose other charges and late charges. Users often have to pay returned check penalties on credit cards and extra fee if the check isn’t paid due to a lack of funding in the customers’ account. It’s better to pay back the debt several days early than pay a few days sooner as it can cost you a lot of extra cash. The due date is the date when the lender rec... Show Moreeives compensation from customers. You should track record of your payments and charges. Monthly payments should be regular and on-time. Late fees can be imposed if you’ve got short term loans with less than perfect credit. Make sure you have enough cash on your debit card when the next paycheck arrives to avoid financial disruptions. Show Less

Apps That Loan Money

There is a wide range of money apps and online services such as Spotme service that give you access to extra funds until the next paycheck. You can get funded for various needs while our services are free of charge. The best loan app is the one that doesn’t check your credit score and offers fast financial assistance on your accounts without paperwork or hassle.

You are welcome to submit your loan request quickly, even if your credit score is less than perfect. You should take some time to check the reviews and compare rates at several money loaning platforms to make the right decision. Our website won’t let you down so we recommend you start using our services as possible after lender’s approval.

Small Loan Apps: Do You Need Them?

You don’t need to rack your brains over the next financial emergency that hit you all of a sudden. If you need to request funds quickly, you have a chance to solve any small issue connected with personal loans even when you are pressed for cash and there are still a few weeks left until the next salary day.

There are many trusted loans but our cash app is among the top due to the above-mentioned advantages and features. We are aimed at delivering a high level of services with the help of modern technology while you can relax and request the needed amount of cash directly through your mobile device from any place and at any time of day. Isn’t it perfect?

Tools that loan money protect your privacy so that any data mentioned in your account will be stored safely. This is a convenient borrow money app that allows borrowers to forget about waiting in the queues at conventional institutions and still get loans.


A Smart Way to Choose Financial Options


Compare our choices for the financial options and find answers to some of the most common questions you may have. Make educated and confident financial decisions!

PayDaySay Company is one of the leaders and connecting services available on the web today. Our service has been working for several years and has proven to be one of the the most reliable loan connecting services in the market allowing thousands of clients solve temporary cash issues among other benefits. If you don’t have extra income, this is your solution with few eligibility requirements even for less than perfect credit history clients.

Our aim is to help consumers understand that personal finances may not always be challenging. We strive to provide the best quality of our services and update the content to help clients get expert guidance tailored to their needs.

Request a loan through our web platform and reach more lenders with a single request!

Need Money Fast?

Protection Your personal information is safe with us.


Among one of the most reliable payday advance apps, PayDaySay app allows consumers to meet their near-term financial goals without too much effort and obtain loans. There are many advantages of turning to this cash app:



This is our top priority. This platform helps you to request quick loans from the comfort of your office or house without the need to travel anywhere directly from your smartphone. Get the funds you need at any time of the day.



We value each consumer and want to protect your privacy. Banking, employment, or private information of the borrowers will not be disclosed. We use industry leading security system to protect your information on our platform.


Money 24/7

Whenever you feel the urgent cash need you may get funded for a small fee. If you have a smartphone and submit your bank account to the app, you will be able to obtain fast money.

Tips for Using
Loan App Wisely

Do you have enough cash on your savings account? If you don’t, it may be the reason why you can’t cover your debit card purchases and search for the apps that let you borrow extra finances with low fees. When you know how to borrow money wisely, you will be able to avoid too much debt and pay less interest. Besides, you will protect your credit score if you use borrowing money apps wisely. Here are the top tips:


Only borrow what you can repay.

The company website contains all the details about potential penalties for late repayment. So, it pays to be careful and responsible with the amount you withdraw. Think twice before you sign the contract with the lender. It may be smarter to wait a few months and save the desired sum to cover your purchase.


Shop around for the best rates.

Every consumer wants to find the best rates and the most flexible conditions. You have the right to compare quotes of several lenders before you sign the contract. Make sure you read the fine print and understand all the details of the agreement to avoid fees.


Take a look at your credit.

It’s necessary to review your credit by looking at your credit report and checking it for errors. Keep in mind that your credit affects your creditworthiness and ability to be eligible for the best loans. Try to maintain good credit by paying the bills on time and repaying any debt you have to the crediting companies.

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Frequently Asked

How do you qualify to request loan through PayDaySay?

The lending decisions depend on each lending provider. Our app helps each client get loan options on a monthly basis but we can’t guarantee you will get access to the payday advance. In order to qualify for a cash advance you need to be a citizen of the USA, be over 18 years old, have an active bank account, and prove your steady employment.

How long will it take to get the money?

Clients can obtain the financing within the next business day after lender’s approval. While conventional crediting institutions take several business days to transfer the funds, this is one of the most reliable apps for requesting small loans with competitive rates.

A Smart Way to Choose Financial Options

Compare our choices for the financial options and find answers to some of the most common questions you may have. Make educated and confident financial decisions!

PayDaySay Company is one of the leaders and loan-connecting services available on the web today.

Our service has been working for several years and has proven to be one of the best financial services in the market allowing thousands of clients to meet their urgent financial needs and solve temporary cash issues.

Our aim is to help consumers understand that personal finances may not always be challenging. We strive to provide the best quality of our services and update the content to help clients get expert guidance tailored to their needs.

Apply through our web platform and reach more lenders with a single loan request!