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The Best Payday Loans Online in 2022 [+How to Choose the Right One]

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

Richmond, VA

Online payday loans are fast becoming one of the most popular ways to get a small cash loan. With so many different payday loan lenders popping up all over the Internet, it can be hard to find the best ones.

In this article we take a look at some of the best payday loan lenders online in 2022 and help you find which is right for you. The best bets would have to be MoneyMutual and CashUSA.

Best Payday Loans Online

1. MoneyMutual: Best Payday Loans Online Overall


  • $5,000 loans
  • 5-min application
  • No extra application fees
  • Over 2,000,000 customers
  • Swift approval


  • 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 loan anywhere between $100 and $5,000, but what impressed us the most is how swift 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 Online Payday Loans


  • $10,000 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 take loans of up to $10,000.

You can pay the loan back within 72 months, which…

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