About Us

Payday Say is a loan marketplace that was established in 2013 by a team of enthusiasts. A forward-thinking culture brought us where we are today. We help consumers fulfill their financial gaps with loans online in a transparent way.

Meet our team

We’re here to assist with your financial needs before they become major issues. Emergencies happen, but they don’t have to be overwhelming.

Our lenders are flexible and can accommodate different situations, making the loan process simpler and more straightforward than traditional lenders.

What we provide

Fast access to money
Easy and secure form
Quick Decision
Check your loan offer
Electronic money transfer
Loan connection service
  • 4.7/5
  • 4.6/5
  • 5/5
Jason Catron
Jason Catron

Offers straight away

The best thing about this website is that they help borrowers reach the best creditors in their area. I submitted a single application and got three offers straight away. So, I had a chance to choose the most suitable offer.


This is an amazing platform!

Me and my family have had a lot of trouble with finance due to the pandemic, and really needed to get a loan. I had fast access to these loans and the staff were very patient with us.

Ava Larry
Ava Larry

Find out everything there is to know about loans

This is a fantastic app for personal loans. This program provides clear instructions on how to grow your tiny money and make the best use of it. This software includes instructions on how to apply for a personal loan, an instrument loan, an emergency loan, and an allowance. To be honest, I chose this app above numerous others that offered similar loans. It was a pleasant experience because I received the funds promptly and in the exact amount that I required.

Blake Morgan
Blake Morgan

They are great

They are great, a helping hand in the midst of the difficulties of growing up and being independent.

Our partners

PersonalLoans.com is a reputable online lender that specializes in providing personal loans to individuals with varying credit scores. The minimum credit score requirement is not stated, and the APR ranges from 5.99% to 35.99%. Loan amounts range from $1,000 to $35,000, and loan terms vary from 90 days to 72 months. It takes one day (in most cases) to receive funds.

Loan specialization

  • Debt consolidation loans
  • Home improvement loans
  • Emergency loans

LendUp is a direct lender providing small loans of up to $1,000 with repayment terms up to 30 days. They specialize in lending to those with poor or no credit history and offer a quick and easy application process. Their APR ranges from 89% to 1,251% based on state regulations. They provide funding within 1 business day and require no minimum credit score for approval. They also offer educational resources to help customers improve their financial health.

Loan specialization

  • Payday loans
  • Installment loans
  • Bad credit

OppLoans is a reputable lender that offers loans to those with bad credit scores. Their APR ranges from 99% to 199%, depending on the loan amount and term. Borrowers can apply for loans ranging from $1,000 to $10,000, and loan terms range from 9 to 36 months. Funds are typically received within 1 to 2 business days. With its flexible terms and speedy service, OppLoans is a great option for those in need of financial assistance.

Loan specialization

  • Payday loans
  • Installment loans
  • Bad credit

OnDeck is a leading online lender specializing in small business loans. The lender has a minimum credit score requirement of 600 with a loan amount ranging from $5,000 to $250,000. The APR can range from 9% to 99% with a loan term between 3 to 36 months. The application process is swift, with a funding time of as little as 24 hours.  The lender has funded over $13 billion to over 100,000 small businesses, making it a trusted source for funding.

Loan specialisation

  • Term loans
  • Lines of credit
  • Merchant cash advances

CuraDebt is a lending company that specializes in debt consolidation loans. Its minimum credit score requirement is 580, and its APR range is between 4.99% and 35.97%. Loan amounts range from $1,000 to $50,000, with loan terms up to 5 years. Funds can be received within 1-3 business days.

Loan specialisation

  • Payday loans
  • Consolidation Loans
  • Bad credit

Fundera is a reputable lender that offers a wide range of loan options to businesses and individuals. The minimum credit score required for loan approval is usually around 600, and APR ranges from 4.99% to 30%. Loan amounts vary from $2,500 to $5 million, with loan terms ranging from 3 to 36 months. Funds can be received in as little as one business day. With a track record of excellent customer service and competitive rates, Fundera is a great choice for borrowers looking for flexible financing options.

Loan specialisation

  • Business loans
  • Commercial real estate loans
  • Working capital loans

CashNetUSA is an online lending platform that specializes in short-term loans. The lender boasts a minimum credit score requirement of 300, making it accessible to most borrowers. Its APR range varies depending on the loan amount and repayment period. The loan amounts range from $100 to $3,000, while the loan terms range from 8 to 35 days. Once approved, borrowers can receive funds as soon as the same business day.

Loan specialisation

  • Payday loans
  • Installment loans
  • Bad credit

CashAdvance is a lender that specializes in short-term loans for individuals in need of immediate cash. Minimum credit score requirements aren’t provided, and the annual percentage rate (APR) ranges vary by state. Loan amounts range from $100 to $1,000, with terms up to 30 days, and funds can be received within a few hours. CashAdvance’s fast approval process and simple application make it an attractive option for borrowers who need quick access to cash.

Loan specialisation

  • Payday loans
  • Installment loans
  • Cash advances

We promote financial literacy

We focus on improving financial literacy. Our blog provides tips, guides, and reviews. The Q&A section covers common financial topics. Resources include terms, success stories, and interviews. Use PayDaySay to make better money decisions!

We connect you with direct lenders but don’t lend money ourselves. Applying through our form increases your approval chances.

Our Writers

Erica Sandberg author at Paydaysay

Erica Sandberg


Erica Sandberg is an and author of “Expecting Money: The Essential Financial Plan for New and Growing Families.” Erica is on the advisory committee for Project Money and a member of the Society of American Business Editors and Writers.

Allison Martin author at Paydaysay

Allison Martin

Financial Educator and Writer

Allison E. Martin is a Certified Financial Education Instructor (CFEI) who has written articles for many reputable publications like The Wall Street Journal, Investopedia, MoneyTalksNews, ABC News, MSN Money, Yahoo!Finance and Fox Business.

Rebecca McClay author at Paydaysay

Rebecca McClay

Financial Writer, Editor

Rebecca McClay has over 10 years of experience writing and editing finance and business content. She is a regular contributor to Investopedia and published in Bloomberg, The Wall Street Journal, TheStreet, MarketWatch, etc.

Eric Bank


Eric Bank is an experienced professional writer. He is a personal finance expert. You may recognize him from the many articles he’s written on a number of popular websites. Eric has an M.S. in finance from DePaul University and an MBA from New York University.

Arthur Goldgaber

Arthur Goldgaber is a financial writer and editor. He works with asset management firms and leading private banks. Arthur’s articles are published on the blogs of famous financial companies and he was the main editor of the popular financial book “Wall Street Back to Basics”. He creates clear texts and turns complex topics into easy-to-understand content.

Victoria Vein Author

Viktoriia Vein

Financial Expert, Writer

Viktoriia Vein is a PayDaySay CEO, Personal finance expert, and seasoned financial specialist renowned for her insightful perspectives and expertise in navigating the complex world of finance. With a career spanning over 10 years, she has established herself as a leading authority in the field, contributing extensively to the realm of personal finance, investments, and economic trends.

Viktoriia holds a strong educational background, having graduated from Duke University with a specialization in “Behavioral Finance”. Additionally, she completed her studies at the University of Florida, focusing on “Personal & Family Financial Planning”. These educational accomplishments have provided her with a solid foundation in understanding human behavior and financial planning strategies, which she integrates seamlessly into her financial insights and advice.

Driven by a passion for empowering individuals to achieve financial success, Viktoriia Vein offers actionable advice and strategies that help people with money management and overcoming financial issues. With a commitment to education and empowerment, Viktoriia strives to equip readers with the knowledge and tools needed to make informed financial decisions, emphasizing the importance of prudent planning, risk management, and investment diversification.

Get in touch

24/7 We will answer your questions and problems


    image description

    One moment, pulling up that offer for you...