New York Payday Loans provides you with a unique matching system that instantly sends your online application to multiple lenders who evaluate your information and we match you with the best lender at the best rate for your needs. When lenders compete for your business, YOU WIN ! You see, the lenders in our network know that other lenders are willing to negotiate to earn your business so they offer you the most competitive rates and terms that they can in order to earn your business.

You simply complete the short application form on this page and you will receive an instant payday loan approval from either a New York Payday Lender or a national lender who services New York residents. Once approved, you will be asked to enter your bank account information so the loan provider can wire the funds directly into your personal account. The payday loan provider will first confirm that you have an active bank account and then provide you with the terms of the loan they are offering including interest rates, payback rates and extension options. At that time, you'll have the option to either accept the loan or decline the loan according to your needs. If you decline the loan, no problem, we'll help you find a secondary lender for your needs. If you accept the loan, you should have money in your account in just an hour or so.

Once the money hits your bank account you can access the funds either through an ATM, a bank teller or just write a check or use your debit card as you normally would. It's your money now, you can use it for whatever you want. It's that simple.

Repayment terms are typically set up to correspond with your paycheck schedule. If you get paid weekly, you'll make small weekly payments on your loan. If you get paid monthly, you'll make small monthly payments on your loan. It's that easy and the payday loan provider will be happy to set up an automatic debit from the same account they deposited the funds into to make sure you don't have any late payments. Once you have paid the loan back, the next time the lender will increase the amount of money that you can qualify for. Your good payment history will become your personal credit rating with the lender.

Please use your New York Payday Loan wisely and be sure to make your payments on time. Thank you for choosing New York Payday Loans.