Apply for Payday Loans
with Funding Zest

Start today with our online application if you want to take out payday loans near you. You’ve come to the right place! Funding Zest can pair you with one our reputable lenders to arrange a loan from $100 to $35,000. Use our 100% online application and get an instant decision. It’s super simple, hassle-free, and FREE to apply. Your funds could land in your account in an hour or by the next working day.

Apply for Funding Zest Payday Loans

Simply complete our online application form, which takes less than 5 minutes, and you can receive an instant decision on the screen. We only require a few basic details from you, such as your loan amount, your income, employment, residence and monthly expenses.

Subject to further checks, if your loan is approved, it can be funded to your bank account within 1 hour, the same day or next business day.

Check out our easy three-step process below:

payday loans online


Which type of loan is right for you? Payday, emergency, or installments. Funding Zest has them all.

quick cash loans

Apply Online

Use Funding Zest’s 100% online application for a simple, speedy instant decision.


Money in the Bank

If your application is approved your lender will send funds to your bank within one working day!

What Are Payday Loans?


Payday loans are often an advance on your monthly income so instead of waiting until your next payday from work, you can receive the money upfront.

Also known as a payday advance, this type of loan is designed to help you pay for any pressing or immediate expenses, so you can receive the money in one lump sum upfront to pay off your expense and then repay the loan in full on your next payday from work.

Some payday loans last just a few weeks, but some can last a few months, giving you the option to repay over monthly installments.

emergency funds

Can Funding Zest Offer Me Payday Loans for Bad Credit?


Yes, if you are looking for payday loans for bad credit histories, this is something that we can help with. We work with a number of US lenders and many of them are willing to take a view on poor credit histories.

We appreciate that not everyone can have a perfect credit score and there are options available if you have fair or bad credit. Perhaps we can slightly adjust the amount you have requested to borrow or the rate charged will be a little higher.

If you have a regular income and stable employment, you can certainly be eligible for the loan you need. In some cases, we may just require proof of income, just to ensure that you can repay your loan without falling into financial difficulty.

Do You Offer Payday Loan Apps?


Yes, our panel of lenders includes payday loan apps, which allow you to borrow money on demand and keep track of your payments in real-time. Some borrowers prefer to use apps because it gives you access to everything you need directly from your cell phone, including the loan terms, repayment dates and the outstanding balance. Some apps have extra features including advice on saving money, budgeting and topping up your loan if you need to.


Am I Eligible to Apply for a Payday Loan? 


If you fit the criteria below you can definitely apply for a payday loan with Funding Zest.

You are a full-time US Resident

You are over 18 years of age

You earn at least $800 per month

Have a bank account where we can deposit your funds


Can I get a Payday Loan with No Credit Checks?


Yes, it is possible to get a payday advance without credit checks – but most US lenders will carry out a credit check to confirm your eligibility.

It is possible to get loans with no credit checks, such as applying with a credit union or borrowing from family and friends. Or you can consider using secured loans or title loans that use your car or home as collateral – where your eligibility is based on the value of your collateral, rather than your credit score.

But even if you are trying to avoid credit checks for the fear of being declined – do not worry. The lenders that work with Funding Zest are able to take a view on different credit histories, with a number of them specialising in bad credit. Provided that you have a stable employment, regular income and can afford monthly repayments, you can certainly get the loan you need.

How Can I Get Fast Payday Loans?

Some payday loans are available on the same day, especially if you are looking to borrow small amounts of $100 or $200. If you pass the criteria and have applied during working hours of 9AM to 5PM, this should help you receive your loan within a few hours or immediately.

For larger loans of $1,500 or $3,000, this may require some extra checks to confirm your income and employment and may just take a little longer – but it is still common to get your loan on the same day or next business day.

If you are looking for a quick loan, you should always give your real information in terms of your name, contact details and income – so this will avoid the lender having to ask more questions and potentially slowing down your application.

In addition, once you have applied, try to stay near to your cell phone and email and be ready to respond to the lender if they have any queries. Being available, especially during regular trading hours can help get your loan funded as soon as possible.


Funding Zest will consider your no credit check loan application, but a credit check is automatically carried out for all borrowers.

How much can you borrow with a Payday loan? Amounts with Funding Zest range from $100 to $35,000.

You can set up a repayment schedule that pays off your loan in 1 month all the way up to 60 months in equal monthly installments to stretch out your repayments.

You can always repay early if you would like to. If you do, you can save on interest.

Yes! Try it for FREE.  We never charge a fee for pairing you with the best lender for your financial situation. We do receive a commission from your lender once they’ve successfully delivered your loan to you.

Funding Zest will consider all credit histories.

Our lending partners will almost always carry out a credit check. This helps them determine if you are eligible for a cash advance. Credit checks are used to make sure that you can afford loans that are personal or unsecured. Such as a cash advance. If you are declined by one partner because of your credit score, there are others that we work with that are willing to look at loans for people with bad credit.

Sometimes loans are offered that don’t require a credit check and instead use collateral against the loan, such as a car or property to help you borrow money, like a Title Loan.

Funding Zest is a broker meaning that we pair you with the best lenders for your financial needs.