Top 5 Online Payday Loan Brokers in America


A good place to start is online if you want a payday loan. Online payday loan brokers exist primarily to connect lenders and borrowers. But it can be tedious if unsure where to look. Instead of surfing the internet for hours, this guide reviews America’s top five online payday loan brokers. Proceed to find a payday loan broker online, like iPaydayLoans, and get payday loans quickly. Let’s dive in.

What To Look For In A Payday Loan Broker

Use the characteristics below to identify a suitable loan broker:

  • Security

Look for a broker who doesn’t collect and sell your information to third parties. Also, ensure they use robust software security protocols to protect your data.

  • Customer support

The ideal loan brokerage platform should offer 24/7 customer assistance. They should also have several methods to contact them, e.g., phone, email, and social media.

  • User-friendliness

This means their website should be easy to navigate. You should be able to open it and borrow money without asking for help. 

  • Funding period

Some lenders will send you money the same day, while others take up two-three days. Hence, you need to consider how long the creditors on a brokerage site take.

  • Eligibility

To be eligible for any loan, you must meet specific requirements that vary depending on the broker. Find the platform with the most favorable conditions. 

Top 5 Online Payday Loan Brokers in America

There are many online payday loan platforms, but only a few are trustworthy and secure. Here’s a list of the top five: 

  1. iPaydayLoans

iPaydayLoans is a renowned loans broker that helps borrowers to get payday loans up to $5000. Their application process is simple and only requires you to fill out a short online form. Since the website is intuitive, this procedure takes less than five minutes. iPaydayLoans is home to a lot of brokers, so you are guaranteed you’ll have multiple loan offers to compare

It is among the best platforms due to the high level of approval and consideration for people with bad credit. Creditors on iPaydayLoans don’t perform hard credit checks before approving borrowers’ requests. This means it is possible for people with poor credit scores to get funds.


  • Competitive interest rates.
  • Broad network of lenders.
  • No processing fees.
  • Doesn’t sell your data to third parties.
  • Accessible on multiple browsers.


  • No mobile app.
  • Not available in all states.

2. USBadCreditLoans

US Bad Credit Loans is king when it comes to payday loans with bad credit. As the name indicates, USBadCreditLoans is centered on borrowers with low credit scores and offers a minimum of $100 and a maximum of $5000. However, it is available for people with all kinds of credit scores. 

This payday loan broker platform is secure and doesn’t call or send annoying promotional messages. It is one of the top brokers due to its vast network of lenders and 24/7 customer service. Although you are unlikely to need any help since the website is straightforward, you can contact USBadCreditLoans anytime in case you have a question. 


  • Instant funding.
  • Entire process is online based.
  • The information you provide is safe.
  • The webpage loads fast.
  • Zero origination fees.


  • High interest rates.
  • Only accessible in some states

3. USInstallmentLoans

US Installment Loans is a loans broker that enables borrowers to access a network of lenders for payday loans. It is a free platform, and using it doesn’t affect your credit score negatively. Also, the lenders on USInstallmentLoans have affordable rates and give loans of up to $35000. This makes it an ideal platform if you need a substantial payday loan.

Speedy application reviews and instant funding are some of the reasons why USInstallmentLoans is among the top brokers. These fast processes mean you can rely on this platform to help you get an emergency loan. Also, the lenders are honest and do not include hidden fees or charges.


  • Accepts bad credit.
  • Reputable lenders.
  • Only has basic eligibility requirements.
  • Encouraging customer reviews.
  • Deposits directly to your bank.


  • Defaulting attracts hefty penalties.
  • Risk of being trapped in a debt cycle due to high loan limit.  

4. HonestLoans

HonestLoans allows you to borrow up to $5000 in payday loans and has 80+ lenders who wire funds the same day or within the next business day. They do not limit how you spend the money, so you can use it to handle all kinds of expenses, such as car repairs and holiday bookings. HonestLoans considers all credit profiles and only needs borrowers to prove a stable source of income. 

It ranks among the best payday loan brokers since it is available in most states and is only missing in a few due to state laws. Thus, you can access its service nearly everywhere in the USA. This makes HonestLoans a reliable page to borrow instant payday funds. 


  • High level of privacy protection.
  • Trustworthy creditors.
  • User friendly.
  • Short application process.
  • Quick loan approval.


  • Low payday loan limit.
  • Relatively higher interest rates.

5. WeLoans

WeLoans is one of the industry’s leading loan brokers with zero origination and processing fees. The application process features a simple three-step procedure you can complete on any phone or computer browser. WeLoans is also customer-centric and provides one of the best customer assistance services.  

It is top-rated in the USA because its lenders report timely loan repayments to the major credit bureaus. This helps improve your credit score and can result in lower interest rates on future loans. In addition, like all the brokers on this list, WeLoans considers even borrowers with a low credit score. 


  • Near instant funding.
  • Soft credit checks.
  • A vast network of creditors.
  • High approval rate.
  • Competitive interest rates.


  • You need to prove a source of income.
  • Restricted in some states.


Payday loans are a welcome relief that enables many people to make it to their next paycheck. But you need to borrow from a legitimate lender to avoid hidden charges or getting stuck with a loan with terrible terms. 

Fortunately, with this guide, you don’t need to surf the internet looking for trustworthy creditors. There are five platforms in this list where you can access such. However, for the lowest interest rates and favorable terms, I recommend using iPaydayLoans.