Easy online process. Almost everything can be completed online. Request from Any where.
All credit types accepted but loan approval or reject are up to your personal information.
Money is usually deposited into your bank account then you can spend what you want.
Payday loans get a bad rap, but in many states, they are a legal and viable option for people with poor to no credit who require immediate cash for an emergency. These loans can be just what’s needed to see you through an unexpected expense or make ends meet in a particularly difficult month.
With Big Daddy Loans, you can compare payday loan lenders without paying and without any obligation to sign up for a loan. All you need is to submit your information and see what’s available—the rest is up to you! Click below to visit Big Daddy Loans website and compare your different online payday loans options.
Go To FormPayday loans are short-term loans that generally have less strict requirements than other types of loans. These loans are usually for smaller dollar amounts — from a few hundred to $1,000 — and are due soon. In fact, they’re called payday loans because you usually need to pay them back by your next payday.
Payday loans are small principal, high-interest loans that are typically due to be repaid within a few weeks. These loans are structured for people who need quick, easy cash to hold them over “until payday”. Payday lenders make it easy to get approved and receive your funds, but they typically charge high interest rates for the convenience and lower credit standards.
Big Daddy Loans is a go-to resource for people who need to borrow money for a personal expense. But although the word “loans” is in the name, Big Daddy Loans is not an actual bank or lender and does not provide financing or loans directly to borrowers. Big Daddy Loans is a lending site or lender marketplace that works with a network of multiple lenders (ex. Better Day Loans) so you can search more than one at a time. This makes it easier for people to quickly find a personal loan and for lenders that might not be as well known as big commercial banks and creditors, to find borrowers to finance.
Technically speaking, Big Daddy Loans is a lender marketplace for individuals and lenders. Borrowers complete the questionnaire form and then lenders review their information and respond in real time. You need to fill out only basic personal, financial and employment information. Our lenders will decide based on the information you provided.
That might sound like it would take a long time to hear back but, once you’ve submitted your information, it only takes around one to five minutes to get through the entire approval/rejection process from the lenders no matter the time or day.
As a borrower, you can apply for a loan amount up to $1,000 at a time using Big Daddy Loans. There is also no limit to the number of loans you can apply for over time so you can come back and apply for a loan using Big Daddy Loans again if you’re in need of another loan.
If you need money soon, Big Daddy Loans is a great option. The quickest turnaround for Big Daddy Loans’s lenders network is typically the next business day, or as fast as 24 hours, but the time to receive funds depends on which lender you end up with.
Every lender is different and can take a varying amount of time to distribute the funds. With some lenders it might be a day, others might be two days.
Big Daddy Loans is one of the top services in the industry that provides quick and easy cash. Since our applications and the entire process is readily available and done online 24/7, you can apply with us at any time. You can do this by filling up our application, where you have to state the purpose of taking the desired loan and provide the necessary documents.
Fill out the Loan Application Form – Many reputable payday lenders offer a simple loan application that can be completed online at your convenience. Have your income documentation and identifying information ready to make the application process as seamless as possible.
Receive and Compare Offers – There are many payday lenders, and you aren’t obligated to accept a loan even if you are approved. When shopping with a loan matching service like Big Daddy Loans, you may receive multiple offers from different banks. Compare these offers based on interest rates, loan amounts, and repayment terms and select the offer that best meets your needs.
Sign the Agreement – Once you have selected the best offer, you’ll need to submit any final documentation, provide your bank account information, and sign the loan agreements. Often this can be done online through a secure web portal without the need for going into a physical office.
Get Your Money – Most lenders will direct deposit your funds into your bank account within 24 hours. As part of your application process, ask your lender for an estimated timetable. Some lenders have same-day depositing, while others may take 2-3 business days, depending on their policies.
Big Daddy Loans is a loan referral service that connects consumers with prospective lenders participating in our network. Big Daddy Loans is not a lender and does not make loans or credit decisions. We are not guarantee that any lender partner will offer you a loan or that any loan offer will contain any specific loan terms or conditions.
The nature of personal lending is, well, personal. Out of respect for the privacy of the borrowers, Big Daddy Loans keeps their user information 100% confidential. However, they do list a few use cases (aka life stories) on their site including events such as unexpected vet bills, student expenses, and starting a personal business. Big Daddy Loans has also been featured by third party consumer data sites, who ask for users to share their experiences, such as:
“When my Grandmother’s water heater broke, I was at a loss. I had no idea what to do! Thank GOD I was able to get a great loan from the people at Big Daddy Loans! Now Grandma has hot water, and I have a warm heart!” - Eddy
“That's my second time using Big Daddy Loans, and just like the first time, everything went smooth and super fast. I haven't had any issues with them, and I highly recommend you try their service.” - George
“My wife and I are on a plane to Florida! How do you ask? Big Daddy Loans got us a great rate and the money we needed. Time to go recharge with some fun in the sun!” - Matt
“Big Daddy Loans really helped me out in my time of need. I had to pay off some of my personal debts right away, and I got the help I needed with Big Daddy Loans. In a day or so after my approval, I had the money I needed. Big Daddy Loans is the best way to go!” - Jeannine
No. Big Daddy Loans has no interest in scamming you and will only share the contact information you provide with the lender you end up choosing to work with. It’s worth noting that, once you do find a lender, they will need to contact you to verify information in order for you to receive any funds. If you don’t end up with a lender, your data doesn’t go anywhere.
Yes. Big Daddy Loans is a free to use lending site for borrowers to search for potential lenders. They don’t charge you a fee, however, the lender you work with might have fees as a part of their payment terms—be sure to check!
Payday loans have some of the highest APRs of any type of loan, but its average APR of 400% only equates to a $60 fee on a $400 two-week loan. Depending on how urgent your cash needs are, this could be a small price to pay. APR and borrowing caps vary by state. Some states like California only allow you to borrow up to $300, while others like Maine have a $2,000 payday loan limit.
Certain states allow you to roll over your same-day payday loan for another 14 days by paying the interest, although the number of times this is allowed also varies by state. See your state’s payday loan laws for an idea of what’s available in your area.
Although the requirements on payday loans are more relaxed that with other loans, lenders still deny loan applications if they feel the risk of default on the loan is too high. If your application is declined, it may be because:
You are not employed or your income is too low – If your income isn’t enough to cover basic living expenses and make your loan payments, lenders may deny your application for fear that they won’t recoup the loan.
You already have a payday loan or recently borrowed one – Each state has different limitations, but most states limit borrowers to a single payday loan outstanding. In states where multiple payday loans are allowed, borrowers are typically limited to $500 – $1,000 in loans at any given time.
You have too many current debts – Since lenders don’t look heavily at your credit scores, they will likely look at your current debts to gauge your ability to repay. If you have too many current debts with too little income (also referred to as your debt-to-income ratio), lenders may not be willing to take that risk.
We understand that not everyone who applies for a loan is someone that is currently employed. If you do not have a place of work, you will be assessed based on your affordability, as lenders would need to determine if you are able to pay back the applied borrowed money. You will need to provide some proof of income, such as self-employed income, government assistance, retirement funds, pensions, regular finances covered by a partner, etc. Payday lenders are all different, but if you frequently receive a source of income, you will still most likely get approved.
Customers may worry about not passing the verification process to acquire financial assistance through payday loans as they have a low credit rating or have a dubious reputation. Others might not even have a credit history at all. Big Daddy Loans recognizes that individuals may be borrowing this money because of a difficult circumstance.
Therefore, there is no need to fret as part of our job is to negotiate with lenders to give everyone the opportunity to get the help that they need. The best part is since this is an unsecured loan, there is no need to prove you have any assets either just to get an approval.
In any case, a FICO credit score is not something that lenders generally check. It is possible, though, that if it is something a particular lender looks into, the loan amount may be reduced, or fees will perhaps be increased if there have been spots in your credit history.
Check the terms and conditions on the loan agreement regarding any defaulted payments. We highly suggest that if you are facing an unstable to contact our experts as soon as possible for viable options on adjusting payments or to speak with your lender directly.
We are committed to helping our customers in sudden financial struggles and making them satisfied. Our goal is to extend a helping hand in all kinds of life situations when you need money quickly. Even if you have bad credit, our services will be the right fit.