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The Best Instant Payday Loans in 2022 [+ How To Get One]

West Palm Beach, 11/23/2022 / SubmitMyPR /

Miami, FL

Instant payday loans are fast and simple to get, with approvals in as little as 10 minutes and money in your account as soon as the next business day. While these small personal loans may seem like a quick fix to your financial troubles, they come with high costs.

To help you make an informed decision about taking out an instant loan, we’ve put together this guide on what they are, their pros and cons, the best instant payday loans in 2022, and more.

If you’re in a rush, the best lenders are MoneyMutual and CashUSA.

Best Instant Payday Loans

1. MoneyMutual: Best Instant Payday Loans Overall



  • Limited in some US states

Money Mutual is a well-rounded platform with an impeccable reputation that helped it amass over 2,000,000 satisfied customers. You can take instant payday loans anywhere between $100 and $5,000, but what impressed us the most was how swiftly you are connected to potential lenders.

The process takes under 2 minutes, and if you accept the offer, the funds will reach your bank account in under 24 hours.

On the downside, you can’t use this service if you’re from NY, CT, and IL. But if you aren’t located in these three states, you will enjoy zero application fees.

This platform offers an exceptional support team and a helpful FAQ library. You can ask them any question related to the credit line, PayPal account, credit utilization, or the platform’s T&C, and the team will deliver a polite and prompt reply.

Interest rates: Vary between tenders

Minimum – Maximum Loan Amount: $100 – $5,000

Loan Term: Depends on the lender, granting possible flexibility

2. CashUSA: Top Instant Payday Loans


  • $10,000 instant payday loans available
  • 72 months to pay the money back
  • Fast delivery
  • Soft credit check only


  • Minimum credit score requirement is slightly higher
  • Could use a revamp

If you need to lend slightly higher amounts of money, we recommend Cash USA, which allows US citizens to…

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