Fast Online Instant Approvals

500,000 Customers

No Prepayment Fees

Flexible payments

Direct Lender Online Payday Loans Vs. Traditional Lender Personal Loans

In times of financial crisis, many borrowers turn to banks and credit unions for their personal loan needs. However, there is a down side to taking loans from traditional lenders that include:

  • Bank lending process is usually complicated and includes heavy paperwork; the personal loan requirements are strict; the loan approval takes longer time than usual; and involves credit checks. However, with our no fax, no verification and no credit check payday loans; you get the cash fast, right when you need it the most. Because, we are your direct lender
  • Banks may only offer larger loans, burdening you with more debt than you need; and if you have a bad credit, they may not offer anything at all. However, with online payday loans direct lenders, you can apply for only the required money, regardless of your credit score. Besides, you get guaranteed approval too
  • Credit cards are another option in need of urgent payday cash advance. However, these can lower your credit score and leave you with higher interest rates. Whereas, Central Payday offers smarter alternative to credit cards called instant cash loans online. Applying for our direct payday loans does not impact your credit score

Apply with Central Payday and get guaranteed payday loans no matter what.

At Central Payday, getting a guaranteed cash advance from direct lenders for bad credit is always easy, quick and convenient – even when life gets tough. As a direct payday lender with no brokers involved, we provide small short term online loans against your next paycheck over a 100% safe and secure lending platform.

Just access the online cash loan application form and provide your basic information such as name, contact number, banking details along with the amount you require. It takes just three minutes to apply and the loan decision is immediate. However, you are required to meet the basic no credit check loan eligibility criteria in order to qualify. Bad credit is not an issue to avail fast payday loans from us. If approved, we will deposit the cash directly into your checking account as soon as the next business day.

In addition, our direct lender payday advance loan repayment is automatic with the loan amount and finance charges being debited electronically from your account on the scheduled payment date. In case, you fail to pay off the online payday loan with no credit check on the agreed date, contact our customer care team to request for an extension. Thus, getting little collateral free direct cash online until your next paycheck from direct payday lenders no third party is simple, affordable, legitimate, and risk free.

Why wait for a next payday? Central Payday gives you instant access to money. Apply for online payday loans from direct lenders only with no credit check and meet your unexpected financial needs easily.

Since Options Define Flexibility

We have more than one ways of funding and repayment

Car Purchase

No Teletrack Payday Loans

Unexpected bills, medical emergencies and repairs can alter the shape of your finances badly.

Home Improvement

High Risk Loans

If you are looking for what high risk loans are? It is for sure that, your loan

Student Loans

Same Day Payday Loans

To be very specific, a payday loan is a cash loan of short term that can meet your money


“Finding the right help from the right lender made me feel being on a lucky streak. It happened so fast …………..I just could not believe but it happened. It happened that I got my loan to pay off my other emergency bills. ”

Haresha Clark.

“Your timely help for my untimely financial situation was beyond all my expectations. I thank you and your all-supportive staff for the much-needed assistance.”

Brittany Boyars.

“Seeing the wide bills used to scare me to death. Thank God……………..not any more! I am happy to say that I got the reliable source to pay my unexpected bills. ”

Yasmeen Brew.

“I am indebted to your prompt and kind help. I am being grateful for the monetary help. Thank you and God bless you.”

Xiuyan Ge.

Consumer Information

*THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. Providing your information on this Website does not guarantee that you will be approved for a cash advance. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $1,000. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Cash advances are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a cash advance based upon lender requirements. This service is not available in New York or to New York borrowers due to interest rate limits under New York law.