Payday Loans Online — Apply Now with Capital Pacific Loans

$500 - $1500. Get Instant Approval. Good credit not needed

If you're on the hunt for the best payday loans near you in 2021, Capital Pacific Loans is here to match you with the perfect lender. We provide customers with loans starting from $100 and over $5,000, while the repayment terms vary depending on the type of the loan and the lender. All you need to do is enter your ZIP code and desired loan amount in our application form. Then, click on 'Get Started' and let us do the rest.

What makes payday loans so attractive to American borrowers:

  • Quick access to cash
  • Convenient
  • Easy to qualify for
  • Can be unsecured
  • No hard credit checks

Where Can I Find Payday Loans Near Me?

Capital Pacific Loans is proud to announce that we offer our services in almost every state in the US. So, we should have no trouble finding the best, quickest, and most affordable loan offer for you. Please note that payday loans are illegal in some states, including Arizona, New York, Maryland, and Vermont. If you live in one of those states, we won't be able to help you as we work in regulated markets and with legitimate lenders only.

What Are Payday Loans?

It's a well-known fact that the average American often needs a few hundred extra bucks to hold them over until their next paycheck. There can be multiple reasons for this, anywhere from unexpected medical bills, car repair costs, or any other form of household emergencies. If this is your case, a payday loan could be the quickest solution for you.

Payday loans are short-term cash advances that need to be paid off with your next paycheck and come with high-interest rates. With payday loans, you get a lump sum of money upfront, and you can use it however you like. Then, on your next pay date, you'll pay the loan back along with any interest and fees.

Here are some of the main traits of online payday loans:

  • Small amounts - Most states limit the amount you can get. The average limit is $500, but many loans range above and below.
  • Short repayment terms - Though this depends on the deal you make with your lender, the typical due date ranges between two to four weeks. Usually, borrowers are required to repay the loan in a single payment on their next payday. If you have an alternate source of income, like a pension, you'll need to repay on the day you receive that payment. 
  • Repayments are convenient - Borrowers can choose how they wish to repay the loan. The first option is to authorize your lender and allow the funds to be automatically transferred to them once you get your paycheck. Alternatively, you can manually write a check for the total amount.
  • Easy application process - Not only is applying for a payday loan with Capital Pacific Loans straightforward and quick, but it's also completely free. All you need to do is provide us with a few personal details, and you'll get an instant response.
  • Multipurpose - Payday loans online aren't restricted to their use. So, you won't have to worry whether you can pay off your car repair bills or rent, as you have complete freedom over the loan funds.
  • Quick access to cash - Lenders send the loan money straight to your bank account the same day or the next business day. In most cases, you can complete everything and get the money from the comfort of your home.

Payday Loan Calculations

Many of the terms like financial charges and APR may be confusing to first-time borrowers. That's why we created an informative table with payday loan calculations for some typical borrowing amounts and repayment periods.

Please note that these are only informative figures we got by using a simple payday lending calculator. The exact terms and fees you'll get depend on what the lender will offer as well as your state's regulations.

Loan Amount Loan Fee Repayment Time APR
$500 $15 14 days 78.21%
$500 $15 30 days 36.50%
$500 $30 14 days 156.42%
$500 $30 30 days 73%

Why Should I Borrow a Payday Loan With Capital Pacific Loans?

Capital Pacific Loans is an online loan search engine that provides customers with a fast, convenient, and free way to get a payday loan. If you're a US citizen looking to borrow an advance between $100 and $5,000, we'll provide you with the best payday loan with the best rates. All you have to do is apply, and we'll match you with the lender we know is most suitable for you free of charge and with no impact on your credit history.

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We work with a network of top-class lenders that guarantee transparency and safety in all regards. All of them have passed our strict screening process and meet all OLA standards.

Is Capital Pacific Loans a Direct Lender?

No, Capital Pacific Loans is not a direct lender. Instead, we are a service that acts as the middle man between the lender and the potential borrower. We provide our customers with a secure and convenient way to locate the best loan for their situation. This entails finding the best interest rates and repayment terms, along with a reputable lender that's most likely to approve the application.

The entire process is entirely free. We aim to save as much of our customers' time and money as we possibly can. Hence, we don't charge anything for considering your application. If you're approved, we'll take a fee from the lender.

Moreover, Capital Pacific Loans works only with a tight network of trustworthy and reputable lenders. We've carefully put every payday loan organization we collaborate with through extensive background checks to ensure they meet our high standards. So, you can rest assured you're in safe hands once we put you in contact with them.

How to Apply for Payday Loans Online?

Applying for a payday loan is a straightforward process that will only take a few minutes out of your day. We digitized the entire procedure, so you don't have to leave the comfort of your home. All you need to do is load our website and provide us with a few personal details.

To make applying for a payday loan even easier for you, we broke down the procedure into five simple steps:

  1. Head over to our site and hit the 'Apply' button.
  2. Fill in the form with the required details. These include a photocopy of your ID, email and phone number, and a few details regarding your employment and bank account standing. Always double-check everything, so you don't need to worry about any issues later on.
  3. Sit tight while we look over your application. We're aware that this can be a time-sensitive process for our borrowers, and we insist on being as fast as possible.
  4. Once you're approved, all that's left is to accept the loan terms and conditions. You do this by e-signing the loan agreement.
  5. Lastly, you'll need to wait for the loan funds to show up in your checking account. Depending on when the transaction is processed, you should have the money within 24 hours or the following business day.

Am I Eligible for a Payday Loan from Capital Pacific Loans?

A few requirements have to be met to get approved for a payday loan from Capital Pacific Loans.

As a borrower, you must:

  • Be a legal resident of the United States of America.
  • Have a government-issued photo ID proving you are at least 18 years of age.
  • Have an active bank account in your name.
  • Own a Social Security Number.
  • Have a stable monthly income of at least $1,000 (use a recent bank statement or a pay stub from the employer as proof).
  • Own a valid phone number and email address.

Remember, we require the majority of this information to assess your situation in the right way. We always want to provide you with the loan you need while making sure you borrow the right amount and that you're able to pay it back. We never want to put you in a situation that would harm you financially in the long run.

Note that the lenders in our network are accepting all kinds of credit histories. So, even if you have a bad credit score, you can still apply and get a loan. However, the lender will likely subject you to further checks.

How Do Payday Loan Repayments Work?

The way you pay off your loan largely depends on the lender you're working with. Depending on their policy and the loan you get, you can repay it anywhere from two weeks to one or even five years.

Simply put, you'll be repaying your payday loan in equal monthly installments. What does this mean? Well, if you borrow a cash advance over five months, you'll be paying five identical sums at the end of each month. The lender will often set up an agreement with your bank where the rate will be automatically taken out from your account. That way, you won't need to bother with sending checks or making the payments yourself.

What if you're looking for a quick and small payday loan that only lasts a few weeks? Then, you will pay the loan off entirely at the end of the month.

Additionally, there are other options as well. For example, if you're taking out installment loans, such as one that ranges between $1,000 and $10,000, it's in your best interest to give yourself some room to breathe. The lender will likely let you spread the payments over 12, 24, 48, or 60 months allowing you to get a realistic timeframe in which you can pay off your loan debt.

Can I Get a Payday Loan With Bad Credit from Capital Pacific Loans?

Yes, you can get a payday loan from Capital Pacific Loans even if you have bad credit! The lenders in our network don't expect you to have perfect credit, and they don't focus only on your credit standing. Instead, they consider several other factors, i.e., your employment status, bank account standing, education, income, and the amount you're applying for.

Moreover, if you're applying for Bad Credit Loans, you don't need to worry about any additional harm to your credit report. The lender will most likely run a soft credit check on you to ensure you're not a risk and you can repay the loan. Such soft checks won't impact your score at all.

Does Capital Pacific Loans Give Payday Loans With No Credit Check?

Though it's possible, getting a payday loan without any credit check can be a bit more complicated. Most licensed and regulated US payday lenders run a credit check before approving any loan application. This is how they assure you're able to pay the loan back and not fall into financial difficulty.

Fortunately, many of our lenders don't approve loans solely based on the applicant's credit standing. Instead, they look over other factors, like monthly income and your employment status and use that to approve your loan.

Though, if you're looking for a larger loan, you'll probably need to take a few extra steps. They'll ask for collateral most of the time and make you secure the loan against your car, for example, which falls under the category of title loans. Note that you can secure the loan against other property, like real estate or jewelry. If you secure the loan, your credit score doesn't play as big of a part anymore. 

Remember, this is usually the case for larger loans that have longer repayment terms. Payday loans are typically easier to get.

Why is Capital Pacific Loans the Best Online Payday Loan Option?

Getting your hands on the best payday loans in 2021 can be a difficult task. Unfortunately, many online lenders prey on uninformed customers and run heinous scams. Additionally, some lenders offer unreasonably high interest rates.

Hence, lots of people prefer to look for their payday loans by themselves. This way, they can compare multiple offers and find the best loan for them while avoiding danger in the form of loan sharks or storefronts. Even though this is a wise choice, it's a lot for one person to bear. So, it's our goal to make things easier for you.

Capital Pacific Loans is an online loans engine that helps customers find the best payday lenders in their area. We take your loan application and send it to the lender that best matches your situation. In other words, we look for lenders that will offer you the best rates and are the most likely to accept your request.

Our entire service is completely free, so you won't lose anything by submitting your application. Moreover, we've carefully vetted the lenders in our network and ensured they're entirely secure and trustworthy.

Basically, Capital Pacific Loans guarantees:

  • Legitimate lenders
  • Easy application process
  • Fast approval times
  • Transparency
  • Options for all types of borrowers

Applying for a Quick Payday Loan Online With Capital Pacific Loans?

Applying for a fast cash payday loan should get you quick cash within 24 hours. Although this largely depends on the lender you're borrowing from, there are some actions you can take to speed up the process.

Firstly, you must make sure the information you're providing us with is correct. This way, you can avoid any unwanted issues or miscommunication further down the road. Otherwise, any red flags or inaccurate details will alert the lender, and you'll be subject to further checks.

Additionally, it's in your best interest to apply during office hours on weekdays, preferably between 9 AM and 5 PM. The reason is simple—your loan inquiry needs to be looked over and approved by the lender. If you send in your application on a national holiday or during the weekend, you'll need to wait until the following business day.

Furthermore, make sure to check your email frequently or have your phone nearby, so you can be available to the lender if they have any additional questions or requirements. If no questions or requirements are needed, the process is just like we explained before: Enter your details in our application form, wait to be matched with a lender, read the loan offer terms, e-sign the loan agreement (if you accept the terms), and wait for your cash to arrive. It's as simple as that!