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Payday Loans by U.S. State

Find fast, state-approved payday loans near you.

Frequently Asked Questions

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CompareLoans.club is a free loan comparison platform that helps you find and compare payday loans, personal loans, installment loans, and tribal loans—even if you have bad credit or no credit history. We are not a lender; we connect you with a network of trusted loan providers.

No, you don’t. Many of the lenders we work with specialize in bad credit or no credit check loans. Your application is evaluated based on your income, employment, and ability to repay—not just your credit score.

You can compare a wide range of short-term and long-term loan options, including:

  • Payday Loans – Small, fast loans typically due by your next paycheck
  • Personal Loans – Flexible term loans, often with fixed monthly payments
  • Installment Loans – Repaid over time with scheduled payments
  • Tribal Loans – Offered by tribal lenders, often with lenient credit requirements
  • Emergency & No Credit Check Loans – Designed for urgent needs or limited credit

It’s simple. Just:

  • Fill out our short online form
  • Get matched with potential lenders
  • Review the offers and choose the one that fits your needs
  • Complete the application directly on the lender’s site

Many lenders offer same-day or next-business-day funding once approved. Timing can vary based on the lender and your bank.

Most lenders perform a soft credit check during the pre-approval stage, which does not impact your credit score. A hard credit check may only happen if you accept a loan offer and proceed with the application.

While many lenders require some form of regular income (employment, benefits, freelance, etc.), exact requirements vary. You may still qualify based on your overall ability to repay.

No. Tribal loans are governed by tribal laws, not state laws, which means availability can vary by location. Always review the lender’s licensing and legal disclosures before accepting any offer.

Never. CompareLoans.club is completely free to use. We earn a referral fee from the lenders, but it doesn’t affect your loan terms or costs.

Yes. We use industry-standard encryption and secure forms to protect your data. We never sell your personal information to third parties.

You can reach us anytime via our Contact Us page or email us directly at support@compareloans.club.

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Right Paydays is a trading name of Payday Ventures Limited, 86-90 Paul Street, London, EC2A 4NE. Company number 10981828.

© 2025 RightPaydays.com | Developed by Mukesh Bhardwaj

 
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Compareloans | NMLS Consumer Access | Licenses and Disclosures | Not available in all states. Prequalified rates are not an offer of credit.

*Loans available to over-18s only, subject to status and further checks by the lender. Right Paydays does not make loan or credit decisions, and is not a lender.

How We Fund This Website: We do not charge any fees for your request. Lenders, Lender Networks, and other marketers in our network pay us if they offer you a loan or alternative loan option after reviewing your information through our service.

We Are Not A Lender: The operator of this website is not a lender, does not broker loans to lenders, and does not make loan or credit decisions. It is not an agent, representative, or broker of any lender and does not endorse any lender or charge you for any service or product. This website does not constitute an offer or solicitation to lend. This site allows you to submit the information you provide to a lender. We exercise no control over the lenders or lending partners in our network and are not responsible for any of their actions. We are not their agents or representatives. The loan request you submit on CompareLoans is not a loan application.

Available Options: CompareLoans does not have access to all lenders or all available loan products. You should not assume that any offer you receive using our service is the best available option for you. You should always compare other options and make your own informed decision about the best products or services for your unique situation.

Representative Example: If you borrowed $5,000 over a 48-month period and the loan had an 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total repayment amount of $6,320.12. This includes the 8% fee paid from the loan amount, resulting in a total cost of $1,720.12. Representative 18.23% APR.

APR & Rates: We do not have control over the APR you will be offered. We display a Representative APR only, based on data from multiple lenders – the APR range is from 5.99% to 35.99% max APR. Loan repayment period: minimum 61 days. Although some providers offer rates from 5.99% up to 35.99% APR, rates that low are only available to certain customers. The repayment terms are for closed-end loan products and are not reflective of all loan products offered in our network.

State Availability: Some lenders and services may not be accessible to residents of all states, depending on the lender’s preferences and legislation in that state. We do not provide our service in the following states: Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, West Virginia, Indiana, and Minnesota.

Credit Checks: Lenders may or may not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or TransUnion. They may perform alternative credit checks or consumer reports through other providers. By submitting your request for a referral, you authorize our referral sources, including lenders, to independently verify the information you submitted and your creditworthiness.

No Guarantee: Submitting the application form does not guarantee loan approval. The installment loan amount will vary depending on the lender who accepts the application from our database. $5,000 may not be available to every customer. The time taken to transfer a cash advance loan may vary. This website does not directly endorse any particular product or service. All information on this website should be considered as opinion only.

We do not have control over the APR you will be offered. We display a Representative APR only as it is based on data offered from multiple lenders – the APR range is from 5.99% to 35.99% Max APR. Loan repayment period: minimum 61 days. Although some providers offer rates from 5.99% up to 35.99% APR, rates that low are only available to certain customers. The repayment terms are for closed-end loan products and are not reflective of all loan products offered in our network.

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