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  • Any credit is welcomed
  • Fast approval decision
  • Loans up to $1000
  • Get your cash very fast!
  • 256-Bit SSL secure website
  • 24/7 support service
  • Submit Form
    Fill out simple online request form. It asks for information such as your personal details, employment and banking information.
  • Get Response
    We will immediately work to find you the funding that you need. Once your details have been verified, one of our lenders may be in contact with you to finalize your loan.
  • Get Your Cash
    If approved, your cash will be available in your bank account in as little as just one business day in most cases.

Online Loans: Easy Solution For Your Urgent Needs

Who We Are:

payday loans at ElcLoans.comHaving financial trouble and need cash to hold you over until your next payday? Well, you have come to the right place! At ElcLoans we help you gain access to emergency funds as fast as possible, with a simple online process.

Have you already tried to take out a loan from the bank or other large lender and were declined because of unrealistic requirements or put off by the long and complicated application process?

Getting a payday loan online may be just the solution you need!

Payday loans were designed to provide borrowers with money fast and without unneeded hassle. Whether you're faced with an unexpected bill, need to make emergency home or car repairs, or have simply mismanaged the month's budget - a payday loan will cover you for up to two weeks and is expected to be repaid on or just after your next pay check. It's like an advance on your wages without having to annoy the boss.

Simply submit your loan request and you can tap in to a network over more than 100 direct lenders, each poised to make you an offer of up to $1,000.

Here is how it works:

We advise you to use a computer or laptop, but any internet connected device with a browser can get you started. All you have to do is go to our loan request form and enter some basic information about yourself - this includes your name, address, financial status, and the amount you wish to borrow. This will take only a couple of minutes. Once submitted, our system will connect you with one of several lenders willing to consider you application. You will be matched within just 3 minutes!

how to qualify for payday loansOnce matched you may be asked to provide further details to the lender. When you have completed this step you will know within minutes whether you have been approved or not. At this stage you will be made an offer close to the amount you requested, and provided with the loan agreement. I will include all of the terms and policies associated with the loan. If having read this you want to go ahead, all you have to do is digitally sign the agreement and the lender will deposit the funds in to your designated bank account the next business day in most cases.

Never Look For 'No Credit Check Loans'!

If you have a poor credit history - don't be put off, bad credit doest not automatically disqualify you from being approved.

Many people in this position have been issued reasonable loans through our network. Lenders appreciate that even those who have struggled in the past deserve access to emergency funds.

While they will never promise no credit check - all lenders will pull some kind of history - this is not the overriding factor. They will be keen to know about your employment, income and overall financial status. If you can demonstrate the ability to pay the loan back, you will be in a strong position to approved.

Note, no credit check is done until you are matched with one of our lenders. ElcLoans itself does not have access to your report.

It is worth noting that many websites may promise no credit score check, but in most cases they are not being honest with their customers or may even be bending the rules.

ElcLoans and our network of lenders work within US federal and state law and don't mislead users!

Also, Never Look For 'Instant Approval Loans'!

If you are looking for urgent loan decision because you need cash fast - you have come to the right place. Once everything is submitted you may be connected to a lender in less than 3 minutes, which is one of the quickest responses for payday lending on the internet.

While many sites might promise "instant approval" - this is not realistic. Every reputable lender has to verify your details and carry out some basic computations. This is for your and lender's benefit, as they will need to determine a practical amount to offer you with fair terms. This must obviously meet your current financial situation, giving you the best chance to pay the loan back without any issues.

You may find this term to be just a marketing ploy. When it comes down to it there are still many more steps left to complete.

When you are matched with a lender from our network you may be asked to provide further details and verify this with documentation. Although there may be no faxing involved, since these days you can download statements from online accounts or use your home scanner, this will still take a bit of time. However if you come prepared it is still much faster than going to the bank, storefront lender or other large institution that can take days for everything to be finalized.

Once the loan agreement is signed most people can expect the funds in their account the next business day. It doesn't get much faster than that!

General Requirements:

Our lenders do not provide loans to anyone under the age of 18 and who is not a legal permanent resident of the United States. You must also be gainfully employed or self employed and be able to provide proof of income, of at least $1,000 per month.

We understand that some of our users are unable to work due to disabilities. Receiving Social Security or Disability income is still acceptable in most cases.

You will also need at least a basic checking account in your name that is in good standing. This is where your loan will be deposited and the repayment taken.

So to recap, to be eligible to use our system you must:

  1. Be a legal United States of America citizen of at least 18 years of age.
  2. Have a stable income of at least $1,000 per month.
  3. Have a bank account that can accept the deposit and automatically take the repayment.

Remember - no loan is free. Cash advance loans will come with a single finance charge, but also other potential fees if you miss the repayment date.

Ready to get started? Submit your request right now and you could have cash tomorrow!