Next Day Loans | 5 Best Next Day Loans With Bad Credit in 2021

Have you ever been cash-strapped and felt like you needed an urgent loan to pay your bills? Perhaps it is a quick fix on your car you need to get done or utility bills you need to pay, and you begin to look for where to get some quick bucks to pay your way out. At this point, you might need to consider seeking a short loan, and the next-day loan could be your best bet.

However, considering the difficulty in finding the right next-day loan that offers a good deal, it won’t be surprising if you have cold feet about applying for such a short loan. But what other choice do you have?

Your best option is to find a credible next-day loan that gives you reasonable terms and the nicest means of repaying your loan.

If this seems like what you are looking for but don’t know how to go about it, you are in the right spot to find out. This post is carefully written to know all the needs before getting the most sensible next-day loan.

#1 Next Day Loan in 2021 – Viva Payday Loans

Best Next Day Loans

So you are looking for the best Next day loan deals, but you are not sure of which to pick? Right here is a list of the top 5 next-day loans bad credit, no paperwork, no phone calls, with a very fast payout time to get you sorted out.

  • Viva Payday Loans – Top Bad Credit Next Day Loan Provider. Visit Now.
  • Credit Clock – Easy Pick for Fast Approvals. Visit Now.
  • Money Lender Squad – Top Choice For No Guarantors. Visit Now.
  • Very Merry Loans – Best for Next Day Payouts. Visit Now.
  • Heart Paydays – Best Option for Low APR. Visit Now.

What Are Next Day Loans?

Next-Day Loans are types of short loans that you get the following day you apply. It is usually conducted online, with many online platforms available for interested borrowers. In many cases, Next Day loans range between $100 to $5,000, depending on your applications and the platforms.

Generally, next-day loans, just like any other short-term loans, come with an annual percentage rate (APR). Nevertheless, this often depends on various factors, such as the amount of the loan, the credit history, the employment history, and state law, and platforms you are making your loan application.

Typically, a next-day loan is expected to be said off quickly by the borrower. For most platforms, the grace of a week to a month is given to borrowers to pay off their debt quickly. But in fewer cases, where the loan amount is quite big, an additional period may be given to a borrower to make their repayment.

Because most next-day direct lenders require no collateral or paperwork, the borrowers expect to make repayment as soon as possible. To ensure fast repayment on the borrowers, many direct lenders create straight terms that include a direct debit to remove the money from your bank account even without approval when you receive your next pay.

Next-day loans are not available in all the states within the United States; this implies that you may not have access to the next-day loan if your state does not accept the operation of the activities. But don’t panic yet; various Next Day loan platforms allow registration from people in some other states. The next day loan amounts and the terms of the agreement sometimes differ across the country.

Common uses of Next Day Loans

There are various reasons why you may need urgent loans. In many cases, the reason you would need a short-term loan like a next-day loan is to make urgent payments. Though while applying for the next day loan, most platforms won’t ask you for the reason or the purpose of what you need the money for.

However, there is nothing wrong with knowing some of the things the next day loans can quickly solve or handle when the need arises. So if you are wondering that aside from common house utility bills, what other genuine reasons could make you seek for the next day loan, here are some significant reasons that could prompt you to ask for the next day loan:

  • Need to make a quick car repairs
  • Urgent need to send or buy gifts for someone close to you.
  • There is planned family vacations
  • You just moved into a new apartment and your new furniture items
  • There are needs for medical emergencies
  • Vet bills are due, and you need to make a quick payment.
  • There are cases where unexpected expenses need to arise.
  • You need to replace broken appliances in your home urgently.
  • There is a need to make a swift purchase, especially buying groceries when there is an offer of discounts sales
  • Need to make fast payment for past due utility bills in your home or office.

How To Qualify For Next Day  Loans (Eligibility criteria)

If you’re wondering what the requirements are or the things you need to possess before qualifying for next-day loans or getting your application approved, well, you need not worry too much. This is because to qualify for the next day loans requires simple and easy-to-find requirements to get everything approved. Quickly check these requirements out:

  • You are required to be a minimum of 18 years old. Note that in a few cases like Nebraska and Alabama, it is expected that the minimum age before you make an application for the next day loan is 19 years old.
  • You are expected to be a full US citizen
  • You would be required to provide a functioning US bank account in your name.
  • You would be required to be employed and have a steady paycheck (proof of 90 days employment required)
  • You would be asked to provide a credible Social Security Number that belongs to you.

It is no secret that some borrowers get their applications rejected despite providing these requirements during the application. You should know that these direct lenders are not doing this for charity’s sake, but they are in for business; thus, they would look for any reliable means to recoup their money. Therefore, you should consider some crucial factors when getting your application approved faster without delay.

Consider using a next day loan broker or intermediary: Using a good and reputable next-day loan broker tends to make the whole process easier and straightforward. The next day, the loan broker will give you a prequalification opportunity and thereby quickly connect you with the direct lender. Another advantage with a next-day loan broker is that they help you perfect your application to get it approved quickly; you only need to register with them early.

Consider the bad credit criteria of the next-day loans you will be applying to, and make sure you meet these criteria.

Typically, the bad credit criteria tend to be different based on the next day loan platform applied. However, one should still ensure he meets those criteria to get his next-day loan request approved quickly. A quick check of their website would reveal such information, or you can simply ask the people who have in the past get next-day loans from those platforms.

Prepare to reveal that you can afford to pay the loan back at the appropriate time.

Nobody directs lenders to make a loss, so each lender would try to find out that borrowers can easily afford to pay their loans back quickly. To do that, most direct lenders would try to check and verify the authenticity of your pay stubs and other necessary financial detail such as bank statements and a list of your current accounts and expenses history before deciding whether to approve your next-day loan request or not.

Never provide inaccurate or fake information: Whether personal or financial details, ensure all the information provided is thoroughly checked and is true; otherwise, if found that any of the information provided is wrong, this would be a red flag, and the next day loan platform would certainly reject your application. Hence, ensure your detail, credit history, bank statements are all true. Otherwise, you would need to look elsewhere for your urgent loan.

5 Best Next Day Loans – Fully Reviewed

Surely, various platforms offer next-day loans out there; however, to get reasonable terms and conditions, you need to know the best next-day loan and why it is considered the best for any borrower. Check this out.

1. Viva Payday Loans – Overall Best for Next Day Loans

Without a doubt, Viva Payday Loans is the best next-day loan provider out there. After our careful analysis, we can safely say that the Viva Payday Loans provides borrowers with the best and most easier terms and requirements to borrow and make repayments.

Firstly, Viva Payday Loans offers bad credit between $200 to $5,000 for borrowers. Also, in terms of repayment, Viva Payday Loans allow borrowers to use between 2 months to 24 months to make repayments depending on the amount borrowed.

Also, the process of lending borrowers begins with approval after the application. After approval, the lenders followed up by asking for other necessary information, including proof of home address, personal bank statements, and proof of income, often referred to as pay stubs.

Following the verification of all the information provided by the borrowers, the Viva Payday Loans goes further by presenting the borrowers the loan agreement with terms and conditions, which is expected to be signed by both parties.

After the signature of the loan agreement, the money is quickly paid into the borrower’s bank account via direct bank deposit. Usually, the repayments process often takes the form of automatic monthly debit.

Lender Loan Amount Terms of Condition APR Fees Star Rating
LendUp $100 – $500 2 to 24 months 30% to 180% None 10/10
Rise Credit $500 – $5,000 2 to 24 months 50% to 299% None 10/10


  • Viva Payday Loans offer fast next day payout to borrowers
  • There is a loan range between $200 to $5,000
  • The application process is not more than 5 minutes period.
  • The approval period is not more than 2 minutes.
  • Payment is flexible, as borrowers have between 2 months to 24 months to make payment.


  • Viva Payday Loans is not available in all states.

No doubt, by considering the overall offers, Viva Payday Loan should be your number one choice.

2. Credit Clock – Best for Wide Range of Loan Options

Credit Clock is one of the best short-term loan deal brokers out there. They offer various loan options that include next-day loan deals. Other types of loan deals they offer include the personal loan deal and bad credit loans, which allow the borrowers to borrow between $200 and $5,000 at a go.

The application process takes about 5 minutes, and the approval and payouts of the loan take a maximum of 24hrs after loan approval.

Lender Loan Amount Terms of Condition APR Fees Star Rating
OppLoans $500 – $4,000 9 to 18 months Varies None 10/10
GreenDay $100 – $5,000 24 months 5.99% to 35.99% None 9/10


  • There is the availability of Bad credit borrowers welcome
  • The application is approved in just two minutes
  • The money is paid within 24 hours


  • Must earn a minimum of $1,000 per month

Credit clock is a good choice to consider if you are looking for fast money with h fast approval rate.

3. Money Lender Squad – Best For Fast Approvals & Bad Credit

If you are looking for the best APR, Money Lender Squad is your best bet. They offer borrowers next-day loan deals without demanding a guarantor. Their interest rates are also considered a fair deal as they offer borrowers interest rates between 36% to well over 400% APR.

Money Direct Lender Squad doesn’t do hard or background credit checks of the borrowers; hence, one can quickly get a loan deal even if one has a bad credit score.

Lender Loan Amount Terms of Condition APR Fees Star Rating
OppLoans $500 – $4,00 2 to 48 months 99% to 160% None 10/10
RiseCredit $300 – $3,500 2 to 24 months 89% to 449% None 10/10


  • There are extensive loan terms
  • Borrowers get a fast online application system
  • There is no need for the guarantor


  • The lower your credit score, the higher the interest

This is certainly the best for you if you don’t have guarantors to provide as a borrower. You can get your next-day loan easily.

4. Very Merry Loans – Best for Same Day Fast Payouts

If you are looking for a good and nice third party that easily connects borrowers with some of the top direct lenders in the United States, Very Merry Loans is your best choice. The Very Merry Loans offer various quick loan deals that can be gotten within 1hour after the approval of the loan application.

With a loa range between $200 to $500, Very Merry Loan platforms quickly match borrowers with lenders, leading to a quick payout without any form of delay.

Lender Loan Amount Terms of Condition APR Fees Star Rating
CashNet USA $500 – $1,000 8 to 31 days Not available Fees are specific to the state of residence 9/10


  • Even if you are unemployed and have bad credit, you can still be given a next-day loan.
  • There are more repayment periods for borrowers to make their repayment
  • There is a loan of $500 to $1,000 for borrowers.


  • There is high interest on 30-day loans

This is certainly the most preferred choice for small and quick next-day loans. You get your money quickly without delay.

5. Heart Paydays – Best for Next Day Loans with No Credit Checks

Regardless of whether you are unemployed or you have bad credit, Heart Payday offer various loan deals, including next day loan that anybody can quickly get within 24 hours after the application has been approved. The most important thing is to present your true details, including your names, financial details, and home address.

Heart Paydays offers between $200 to $2000 next-day loan deals. While this may be small, it is easier to get for almost everybody else, and you are required to pay back before the next two months.

Heart Paydays also offer very low APR, which stands at a maximum of 35. 99%

Lender Loan Amount Terms of Condition APR Fees Star Rating
LendUp $100 – $500 30 days N/A $17 to $50 10/10
ACE Cash $500 – $5,000 2 to 24 months N/A 3% 9/10


  • Borrowers don’t need paperwork or make phone calls
  • It is very fast. It gets done within 60-minute disbursement
  • There is a maximum of just 24 hours to make a loan payout.


  • There is a tendency for high fees on certain loan offers

If you’re looking for low APR, this is exactly what you should go for.

Features of Next Day Loans

The next-day loan is one of the several types of short-term loan deals available for borrowers to get fast money for urgent needs. Some specific characteristics make that the next-day loan deal quite different from the usual loan deal and other toes of loan deals. Here are some of the features of the next loan deals you should know:

  • Availability of Direct Lenders for the Bad Credit Next Day Loan deals.
  • Next-Day loan Deals for the Bad Credit in the next 24 hours following approval
  • Availability of Next day loan deals for the Bad Credit No Credit Check
  • There are next-day loan deals for the Bad Credit No Guarantor required.
  • Availability of Next Day loan deal for the Bad Credit Unemployed
  • Bad Credit Next Day Loans No Paperwork or Phone Calls

Advantages of Next Day Loan

  • No doubt the next day loans are just one of the options of getting quick money; however, if you are still looking for a good reason why you opt for next day loan instead of other types of loans available to borrowers, you should consider these advantages of Next day loan:
  • Usually, there are online applications that take a few minutes to get done. For example, Viva Payday Loan takes 5 minutes for borrowers to apply.
  • Some next-day loan providers take nothing more than a 2-minute loan before they make approvals
  • Most of the time, there is no need for telephone calls and paperwork from borrowers before the application is approved.
  • Often there is open access to decent loan amounts that range between $200 to $5,000
  • Before an application is approved, some next-day loan providers do not carry out any credit check.
  • Usually, there are different loans options available to bad credit, no credit, and unemployed borrowers.
  • Borrowers can quickly reach an agreement or get a deal directly with lenders
  • Generally, the payout doesn’t take more than 24hours after the application is approved and the agreement is reached and signed. (no waiting around for cash)

Disadvantages of Next Day Loan

  • Some Next Day loan providers have high fees on certain loan offers, especially huge ones.
  • Some next-day loan providers offer high interest on 30-day loans
  • Some direct lenders only lend to borrowers who earn a minimum of $1,000 per month
  • Some next-day loan providers offer rates that are based on the lower your credit score, the higher the interest

How to get Next Day Loans

Though different platforms may require different things when it comes to short-term loan deals like next-day loans, however, in many cases, they tend to require or use a similar process when it comes to application and what is necessary to be done before the application is granted. So if you are looking for what to do to get your next day loan quickly, check the following steps:

Step 1: Visit Viva Payday Loans

Initially, you begin by checking out some reputable websites or online platforms that offer next-day loan deals. After you have gotten one, for example, Viva Payday Loans, Check the top right of your screen to see the Apply Now button and click to begin the application process.

Step 2: Complete the Application Form

Before completing the application process for your next day loan, you need to specify the amount you need and then follow up with your details, including your email address. Usually, your application is completed after you must have supplied the necessary details, including data such as your formal name and personal address, employment or income information, banking details, and a list of your monthly expenditures.

Step 3: Get your Decision

Given that the approval is usually quick, you don’t need to move away or wait longer before your next-day loan request is approved. A quick message will be sent to your online profile or email to know that your loan request has been granted. From then, you can now wait for when the money will be paid. Usually, the loan money is deposited into your account.

Step 4: Receive your loan

After the loan request is approved, you might get another online page that specifies the terms and conditions of the next-day loan arrangements. You are expected to put your signature, which can be done electronically. Once signed and sent back to the loan provider, your loan money is expected to be paid with the next 24 hours period.

Request Your Next Day Loan at our Top Rated Provider – Viva Payday Loans


What happens if I’m unable to make a repayment?

Are next-day loan deals available in all the states of the United States?

What are the expected interest rates for the next day’s loan deals?

Is it possible to get a next-day loan without having a credit check from lenders?

Do I need to have a bank account before I can get a next-day loan deal?

About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.

Source link

Comments are closed.