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Online Payday Loans As long as the application is approved by 8:00pm EST, an online payday loan will be deposited the next business day. To qualify for an online payday loan, here's what you need: A verifiable form of income; An active checking account that allows direct deposit; An active email address; Proof that you  immediate short term loans get a payday loan even if you have more than one A no-credit-check loan from a direct lender can then be very attractive. But you need to take several things into account before making that final decision. Spend a little time doing research, and you'll be much better off in the long run. Avoid predatory loans from payday and title lenders at all costs. If you don't, you may go  **We've removed a handful of direct payday lenders from our online database over the past few months. California has enacted tough lending rules and many payday lenders and installment lenders no longer service the state of California. With that, there are still options available in California if you need an online payday 

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