Connecting borrowers with trusted lenders since 2009 Free to apply · We are not a lender
500 Payday Loansest. 2009 · USA Apply now->

Lenders · how matching works

Payday loan lenders, and how we match you with one.

500 Payday Loans is a free matching service — not a lender. We pass your single request to participating direct lenders and lending networks across the US, so you get more chances of approval without filling out form after form.

Request a lender match-> No credit check

Free to apply · we are not a lender · does not affect your credit score.

What you get

$100–1k

  • Lender networkUS-wide
  • Decision~5 min
  • Credit checkNo hard pull
  • Cost to apply$0.00
Get matched

Direct lenders vs a lender marketplace

A direct lender funds the loan with its own money, so you apply, sign and repay with one company. A marketplace like 500 Payday Loans does not lend — it forwards your request to many participating lenders at once. The upside of a marketplace is reach: one form reaches dozens of lenders, which can mean a better chance of approval and offers to compare — even if you need a $500 payday loan with bad credit. If you would rather deal with one company end to end, see our guide to direct lender payday loans.

How we connect you with a lender

  1. You send one request

    Amount, income and an active checking account — about five minutes, encrypted.

  2. Lenders review it

    Participating direct lenders that serve your state assess the request in real time.

  3. You choose an offer

    If a lender approves, its rate and terms are shown to you to accept or decline — no obligation.

The lenders in our network

Our participating lenders specialise in small, short-term loans rather than big-bank products. Most weigh your income and an active checking account instead of your credit score — which is why borrowers come to us for no credit check payday loans and payday loans for bad credit. They lend across the usual range, from a quick $100 payday loan up to a $1,000 payday loan for a larger emergency.

Because the whole process is digital, you can request and receive funds without leaving home — see how online payday loans work, or, if the bill cannot wait, how same-day payday loans are funded. Whichever route you take, borrow the smallest amount that solves the problem and repay it on the first due date to keep the cost down.

What to check before you accept any lender

Short-term loans are expensive, so the lender you accept matters. Before you sign, confirm:

  • State licensing. The lender should be licensed to lend in your state — verify with your state regulator (for example, the DFPI in California), or check the CFPB.
  • Full APR and fees in writing. A legitimate lender discloses the total cost, the APR and the repayment date before you agree, never after.
  • No upfront fees. Never pay a fee to "release" or "insure" a loan — that is a hallmark of a scam.
  • Clear contact and terms. Real lenders publish a way to reach them and a renewal/late-payment policy.

For the lowest-cost route, always compare against alternatives such as a credit-union Payday Alternative Loan (PAL) first. Learn how pricing works on our how payday loan rates work guide.

Find a lender by what you need

Browse loans by amount, type & state

Pick the page that matches your situation — each connects you with lenders for that need.

By amount

By type

By state

Questions

Lender FAQ

Is 500 Payday Loans a direct lender?

No. We are a free referral and matching service, not a lender. We connect your single request with participating direct lenders and lending networks that may approve it. The lender, not us, sets your rate, amount and terms and makes the credit decision.

What is the difference between a direct lender and a marketplace?

A direct lender funds the loan itself, so you deal with one company end to end. A marketplace (like us) sends your request to many lenders at once, which can mean more chances of approval and offers to compare — without filling out form after form.

Do your lenders run a credit check?

Most lenders in the network verify income and an active checking account rather than running a hard credit pull, so applying does not affect your credit score. See our no credit check payday loans page for details.

How do I know a lender is legitimate?

A legitimate lender is licensed in your state, discloses the full APR and fee schedule in writing before you sign, never asks for an upfront fee to 'release' funds, and gives you a way to contact them. Check your state regulator and the CFPB if you are unsure.

Which lender will I be matched with?

It depends on your state, income and the amount you request. We cannot guarantee a specific lender or approval. If a lender accepts your request, its offer and terms are presented to you to accept or decline.

Payday is close. The bill is closer.

Five minutes from now your request can be in front of lenders. Free to apply, 24/7, no paperwork — and no effect on your credit score.

Apply now-> Same-day transfer