Cheap Payday Loans

Cheap Payday Loans

Fast Online Instant Approvals

500,000 Customers

No Prepayment Fees

Flexible payments

Cheap Payday Loans: Yes, It’s a Thing!

“Cheap payday loans”- the term is quite striking because you have never thought that payday advances could be cheap. While cash advances are famous for their immediate availability during cash emergencies, they are infamous for not being cheap loans. More than 90% of the lenders charge high APR rates on such funding. Since good payday loans are for temporary use, and often small cash loans –and there is no better alternative- borrowers are bound to pay high interest rates. But not anymore! CentralPayday brings cheap loans online that would not only provide relief from ridiculously high rates but also offer a significantly longer repayment term to pay off the debt. You can score cheap payday loans for bad credit too!

Loan Process Requirements

Pay Our Cheap Payday Loans Over 3 Months

Not only our funding has been personalized to help the neediest and the borrowers with low incomes but also to boost their credit and keep them away from any pressure. We offer a longer term like installment loans, so you can pay off our cheap payday loans over 3 months in multiple small repayments. If you look at in a detailed manner, you can see its benefits. Firstly, you do not have to hurry to pay off the loan as the due is not on the coming paycheck day like the cash advances. Similarly, when you have to only pay a fraction of the debt every time, you get to save a little more from your earnings. Lastly, our cheap cash loans will help your credit massively since you are unlikely missing the due dates, and that would, in the long run, add to your creditworthiness.

How Our Payday Loans Are the Cheapest? It’s More Than Interest Rate

We offer some of the best cheap payday loans online. Of course, they have cheapest interest rates when compared to similar direct lenders. However, it Is not just interest rates that make out funding so affordable. Firstly, we offer you a free online application that gives you cash loans fast. Then, we do not have any hidden fees. Thirdly, since the term is longer than normal, you do not pay any penalty for late payment before the due. At the same time, you do not have to pay a rollover fee either because the term is already extended up to 180 days. And remember, you get all the benefits even with a bad or no credit history!

Availing a Cheap Loan Form a Direct Lender

Our payday loans with cheapest interest rates provide borrowers cash up to $1,000 on the same day of application. The application process is easy and on a successful submission with valid details, you get instant approval. To be eligible you must have:-

  • A Social Security Number
  • Age proof that you are 18 or more
  • Checking account
  • Phone & Email ID
  • Income proof – will decide how much you qualify for

Whatever reason you may have for applying for a quick and cheap payday loan, you can with the above details without bothering about paperwork. When you can avail cheap payday loans with no credit check, why wait any further? Apply now!

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.



4.9/5 and 1384 Reviews


“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.