Getting access to credit to some people seriously is not an option anytime soon. 


Some people have so many problems in the past on their credit report that no lender is going to want to deal with them. We’re talking about a few bankruptcies. Numerous of credit cards all maxed out they never made any payments. And of course, they are no stranger to having their car repossessed, since it happened to them multiple times. It is sad, but it is also a part of life for some people. The fact is now a days in our daily lives credit is a part of life. Individuals need money all the time, but in general only get paid every 2 weeks. When you are a week from getting paid and zero money in the bank what do you do? Because you can’t get a credit card using a card isn’t an option at all. Applying for a small payday loan could perhaps be a solution to your temporary financial problem. It is just like their name implies. A small loan against your next pay check. They are short term loans to help get thru money issues. They are not in any way meant to be a long-term financial fix. Most people understand this and handle them appropriately. The APR on these kinds of loans is high, because of the risk of default to the lender is high. Across a years’ time the interest rate can range from 250% – 500%. These kinds of small payday loan aren’t taken out by people in yearly terms. They think in shorter terms. To borrow $100 for 14 days will only cost maybe $15. That is entirely a very reasonable budget friendly short-term solution. Considering what other options will charge.

  • Bank over draft fees of $35 for each transaction
  • Late rent fee of $75 + $25 per day

Suddenly, a small payday loan that only maybe charges $15 for 2 weeks to borrow $100 is looking as a much more cost-effective option. If you’d like to apply online here is a link to our website. 


Small payday loan lenders are not looking to lend substantial amounts of money to people.


When a borrower can’t repay the loan. It’s the lending institution that is in trouble. Think of it from the lenders side. When they lose money, they have that much less to lend to a different borrower. If they made 10 loans each for $100 for a 2-week period. And 9 out of the 10 paid their loan off on payday. And the 10th one defaulted. They would have gathered $1035 from the 9 borrowers. So even with that one borrower not paying them back they still ended up making $35. So, making small payday loans for short periods of time is better for both the borrower and the lender. Neither side walks away unhappy. Also, against the popular belief small payday loan companies do not focus on the poor, unemployed, or disabled people. To be approved for a payday loan, you must show you have income. After all the name “payday loan” implies you will have a payday coming to make a loan payment from. So, you must have regular monthly income to be approved. Also, you need to have a checking account in good standings with the bank. That way the lender can deposit the money into your account when you are approved. Small payday loans are now just among lots of credit products widely available to people online. Utilized smartly, for what they were designed for. Which is a temporary solution to an income problem. They can save you a lot of hassle, humiliation, and most of all time. So, if you or someone you know is in need of a small payday loan we hope you let us help you by visiting