Need a Payday Loan Near You? Apply Online in Mins

Emergency situations don't give you much time to consider your options. When you need money immediately, you have to get it as quickly as possible. If, for instance, you don't have $100 to replace a flat tire, you need a lender that can give you access to money fast. There are plenty of situations when people simply can't wait to access essential funds.

Knowing that they need to get money quickly, most people look for payday lenders in their communities. Not everyone, however, knows how to find payday lenders near them. Even fewer people know how to choose an option that will match their unique needs.

If you need to borrow money in a hurry, follow this advice to make sure you have the best possible experience.

Where can I find a payday loan near me?

When you have an emergency financial situation, you don't have time to hunt for payday lenders all over town. You need to get money quickly so you can take care of the problem as soon as possible.

There are plenty of ways to find a payday loan near you. A lot of people use an internet search engine to find lenders within their areas. Depending on where you live, you may also find several lenders in your neighborhood. Even if the payday lender is nearby, though, you have to walk or drive to its location before you can secure money. Just half an hour of travel can make a big difference when you're trying to pay a bill and avoid a late fee.

Instead, visit an online loan-matching service like LendUp. LendUp has an online application you can fill out on your computer or smartphone. It takes most people about five minutes to fill out their applications online, and decisions are instant. If you're approved, the lender may be able to send the money directly to your checking account in minutes (where available; an additional fee may apply). You never have to leave home to get the money you need.

How can I evaluate payday lenders to choose a reliable option?

Whether you choose a payday loan alternative like LendUp or a payday lender in your community, there are some factors you should consider before deciding which option is better for you. Start by asking a few crucial questions that will help you focus on legitimate lenders. Find out whether the lender:

• Is licensed to give people in your state short-term loans

• Will keep your private information safe and not sell it to a third party

• Has a secure website that lets you access your information

You may learn some surprising things by asking these questions. For instance, some online lenders operate from tribal territories or foreign countries, so they don't have to follow laws that protect consumers in the United States.

Other companies sell your information to dozens of lenders. When this happens, you don't know whether you're truly borrowing from a licensed company. In some cases, you may not even know what company you're borrowing from.

LendUp takes a different approach that makes the lending process easier and safer. LendUp works only with licensed lenders in states where payday loans or alternatives are allowed.

Website security, of course, is a serious concern for borrowers like you. You know the LendUp website is secure because its address starts with https and the URL bar shows a green padlock on the left side. When you see these features, you know that a website encrypts information to make sure no one can intercept it. Your personal information is as secure as possible.

What's the payday lending process with LendUp?

When choosing payday loans near you, it makes sense to think about how long the application process takes. With LendUp, it takes about five minutes to fill out the application. Once you submit, LendUp lendup matches you with a suitable direct lender and gives you an instant decision. Our direct lenders fund fast — as long as your application is submitted before before 5 p.m. PT (weekdays), you'll typically have money in your bank account by the next business day. See lendup.com/faq for more details.

You can keep the process as quick as possible by having the required information nearby. When filling out your application, you will need to provide your current contact information, an active email address or phone number, and the information for a checking account that can accept electronic transfers.

It's always smart to compare your lender options. You want to get payday loans near you, but you also want to make sure you get a safe, reliable experience. LendUp gives you a short application that's easy to complete and an instant decision. When you need a short-term loan as quickly as possible, LendUp is a good option.