Convenient, Fast Process
Instant Approval Decision
  • Complete The Online Form

    It takes just a few minutes to provide us with your information.

  • Sign Your Contract Online

    Once we connect you with a lender, you can complete the process online. Trust & security are our top priorities.

  • Funds As Soon As Tomorrow

    Money can be directly deposited quickly into your bank account, often as soon as the next business day.

About Personal Money Store

Personal Money Store is a modern website dedicated to finding you the loan you need when you really need it. Some lenders tend to help customers when they don’t really saying to themself “I need emergency money now” (meaning only loaning to them when they have more than adequate income). We force lenders to compete on your behalf. They must do their best to fund you no matter what your needs are. Our staff is trained to you assist you in obtaining loan funding without asking any questions and without your checking credit.

If you need a loan because your house burns down, we won’t ask why. If your car ceases to work, we won’t ask why you need a loan. If your wife wants to take you out on the town, we still won’t ask. Funds are downloaded into your checking account in some cases as early as 2 hours.

To your benefit we use a large network of lenders who compete against each other to fund your loan. We force lenders to compete against each other in order to offer you the best lending options.

Using only our website you can have a loan direct deposited into your checking or savings sometimes within 2 hours from anywhere in the United States or Canada. You can be on vacation, be at work, on lunch, at home with the kids or downloading money for that big date. Wherever you are and for whatever reason you have we want to help meet the financial needs of your life.

Payday loans

Most payday lenders offer loans in amounts of $100 to $1,500, with the average loan being between $300-$500. Fees are typically $15 to $30 per $100 borrowed, depending on local and state laws. Due dates for your cheap payday loans for bad credit are usually upon your next payroll deposit, but some lenders can extend that up to 45 days from the time of your loan. Installment options are also available in many cases.

Borrowing responsibly

We recommend that borrowers consider the amount of their next paycheck and determine how much they can responsibly pay back within their budget. Although most lenders allow you to “re-purchase” or renew your loan, this is not recommended, as it can lead to a cycle of loans that end up costing you much more in the long term.

The process

In our easy payday loans online application, we request all of the relevant identification and financial data that the lenders require to process your loan, no faxing required. This information is securely transferred to the lender who processes your loan, depositing your funds within the same business day, often within a few hours. It’s as simple as that.

Bad credit? Not a problem

No credit check payday loans aren’t like mortgage or auto loans. They’re unsecured loans for small amounts for people in need of temporary financial assistance. The lenders know this, and are open to lending to people with less-than-stellar credit ratings. In most cases, loans are based on income and other signals, with no credit checks against the credit bureaus involved.

No faxing hassles

Faxless payday loans may allow many people who have internet access and a savings or checking account to instantly decrease some economic worries using always-available cash. Many types of loans require proof of identity and that usually requires faxing. Typically that is never a problem applying through us for a loan.

Payday loans by cities

Installment loans

Instead of having to pay back your loan all at once, easy approval installment loans for bad credit lets you make payments. Pretty easy, right?

The terms and limits of an installment loan are very similar to our other loan offerings. Usually there are no credit checks, the funds are direct deposited into your account, no need to break out the old fax machine, etc.

Installment loans help ease the stress of paying off bills or an unexpected emergency by allowing you to pay it back one payday at a time.

  • No credit checks or faxing
  • Apply in less than three minutes
  • Direct deposit in as little as two hours
  • Your information stays confidential
  • Lenders compete for your loan
  • Applications are always secure

Bad credit is OK

Having bad credit prevents a person from many kinds of loans, but you’re ok applying for an unsecured loan. In most cases, credit checks are not required when processing applications.

Applications for bad credit loans up to $1,500 can be approved instantly, and you can have access to the funds in just a few hours.

Keep your budget in place

Responsible lending is one of our primary concerns, so keeping your budget in mind when borrowing any amount is important. Don’t borrow more than you can pay back responsibly, and if you can’t make your payment on time, most states allow for you to make installment payments. That’s one less thing to worry about, but try to keep your requested amount reasonable so that your finances aren’t strained.

Our installment loans are a short term solution to temporary budget problems, but are no substitute for long term financial planning and management.

Installment loans give you options

You can apply for a unsecured loan up to $1,500 through Personal Money Store. The application process is quick and easy, and you could get you approved for a personal installment loan in as little as three minutes.

Personal Loans

Traditional banks are tightening their credit standards and rejecting more online personal loans no credit check applications. However, scores of online lenders have lined up to fill this void in the credit market. Getting personal loans online is faster and easier than getting a traditional bank loan, and now there are more options than ever. For those who just need a few hundred dollars to get through a tight spot, short term personal loans of $100 to $1,500 are available. Those who need a little more cash and want to pay back their loans with multiple payments instead of a lump sum can apply for personal loans between $1,500 and $2,500. For even larger financial needs, some borrowers can qualify for loans from $2,500 to $25,000 and get an interest rate of less than 6 percent.

Short term personal loans

Customers who need to borrow an amount between $100 and $1,500 can have money deposited directly into their bank accounts in as little as a couple of hours. Short-term loans for bad credit can be paid back all at once with the borrowers next paycheck. Borrowers who need to make multiple, smaller payments can apply for installment loans. For these small, short term personal loans, there are usually no credit checks. Once you verify your employment and income, you’ll receive detailed offers from lenders indicating the amount they’re willing to lend, fees you’ll be responsible for upon repayment and the date or dates of repayment. If you need cash today, this is the right option for you.

For these small, short-term personal loans, fees can be $15 per $100 borrowed or more, so this type of loan should only be used for necessities. When deciding how much to borrow, be sure to factor in the fees, which will be due when the loan is due. For example, if you borrow $100 and theres a $15 fee, you’ll need to pay back $115 when you get your next paycheck. Fees vary from lender to lender, and they can change based on your state of residence or the amount borrowed.

Personal installment loans

If you’re looking to borrow $1,500 to $2,500, the process is similar to getting short term loans up to $1,500. The application is short and the approval process is fast; you’ll know within minutes how much you can borrow. Some lenders do check credit, but customers with bad credit or no credit can still qualify, depending on the amount they’re looking to borrow and the fees they are willing to pay. Its often more expensive to borrow money for those who have bad credit, but personal installment loans can ultimately save customers money. Bank overdraft fees almost always end up costing more because the bank charges a separate fee for each transaction — and those bank fees are only getting higher.

Personal installment loans can be a lifesaver if you’re trying to keep your power from being shut off, avoid eviction, keep your car running or cover an emergency medical expense. If you’re using personal installment loans to try to save money by avoiding late fees or bank overdraft charges, do the math to make sure your loan fees are low enough to justify borrowing it.

Unsecured personal loans up to $25,000

If you need a large loan of up to $25,000, peer-to-peer lending is here to help. Unlike car title loans or pawn shop loans, you can borrow an unsecured personal loan, meaning you don’t need to have collateral. You can avoid the hassle of borrowing from a large bank, and you likely will save money. Most peer-to-peer lenders charge lower interest rates than large banks, and they are more willing to work with peers who have lower credit scores. Lenders who participate in peer-to-peer lending do usually check the credit score of the borrower. Because you’ll be borrowing from another individual rather than a bank or financial institution, there is more room for negotiation regarding terms of repayment.

Peer-to-peer lenders will lend money for many reasons to many types of people. Over the past few years, the banking industry and its practices have been repeatedly called into question. Many borrowers are looking to peer-to-peer lending simply because they like having the choice of borrowing from an individual rather than a financial institution. Individual lenders who don’t have the overhead or investor pressure that banks have can afford to charge lower interest rates.

Online loans versus credit cards

Interest rates on credit cards can be up to six times the interest rates you could qualify for through peer-to-peer lending. If you already have a credit card and you take out a cash advance online bad credit against your credit, most credit card companies charge an even higher interest rate on cash advances than they charge for purchases. The real catch is that most credit cards won’t allow you to pay off your cash advance until you’ve paid the rest of your balance. For example, if your usual credit card interest rate is 20 percent, your credit card company might charge you 30 percent interest for a cash advance. Furthermore, the company won’t allow you to pay off that cash advance until you have paid off the full balance for which you are paying 20 percent interest. This means your cash advance will sit and collect interest at a much higher rate until you can pay off all of the charges on your card that are not from cash advances.

Your personal information is safe

Regardless of which route you take to getting the money you need, your personal information will stay secure. and all its affiliates use secure sites, so the information you share with your lender will not fall into the wrong hands. You can also rest assured that you are under no obligation whatsoever until you and your lender agree to specific loan terms. If at any point during the application process you change your mind, you can walk away. There are no upfront fees; you won’t have to pay anything until the date of your first scheduled payment.

Short term loans

Getting short term loans means getting money fast and solving an immediate financial problem. Borrowers pay back short term loans within a few weeks, so theres no long-term debt. Short term borrowers can simply fix the problem and move on. When it comes to keeping up with payments or handling expenses, sometimes timing is the most important factor. Short term loans help borrowers stay financially on schedule because they arrive in the borrowers bank account via direct deposit within a day, often in just a couple of hours.

Types of short term loans

Short term lenders generally offer two types of loans: payday loans and installment loans. Payday loans, also known as cash advances, are repaid when the borrower receives his or her next paycheck. Installment loans allow the borrower to make several payments over a few weeks or months. For both cash advances and installment loans, the lender charges a fee that is paid along with the loan repayment. No cash or collateral is needed up front.

Short term loans made simple

Applying for a short term loan online is similar to applying for a traditional loan in that the borrower provides some basic information and requests a loan amount in writing. Once the lender and borrower agree on the short term loan amount, the fee and the repayment date, the money is directly deposited in the borrowers checking account. Unlike a bank loan, the average wait time between loan agreement and cash deposit is between two hours and 24 hours. Most short term lenders don’t do credit checks; they base the amount they are willing to lend on the borrowers income.

The average short term loan

Short term loans are generally between $100 and $1,500. Borrowers should carefully consider the loan amount and only take what they absolutely need. Some lenders may extend the term of the loan up to four weeks, but many require that the loan be repaid within two weeks, except in the case of installment loans. can find lenders who can accommodate various borrowers terms, but we recommend that borrowers keep their short term loans as short term as possible. Lenders generally must charge at least 15 percent of the loan amount to stay in business. A fair price for a short term loan is between $15 and $30 per $100 borrowed.

Borrowing responsibly

Short term loans should only be used for budget shortfalls and necessities. In many cases, short term loans can save borrowers money — especially for borrowers who are facing the possibility of overdraft charges. The average overdraft fee is $35 per occurrence, and the amount by which a customers overdraws the account is not a factor. A bank customer could pay $15 for a $100 short term loan and avoid being charged multiple overdraft charges for negligible amounts. Short term loans can also help borrowers avoid late fees and protect their credit ratings.

Cash Advance

When someone is expecting a paycheck or other form of cash but needs money now instead of on the scheduled pay date, a lender can provide a cash advance. In the case of online cash advance lenders, the cash advance is directly deposited into the borrowers bank account within a day, often within a couple of hours. Lenders charge a service fee, but cash advances from most lenders never appear on a borrowers credit report.

Basics of a cash advance

Applying for a cash advance online is easier applying for a loan through a bank. Bank loans can take weeks, but online cash advances are usually completed the same business day. The application process only takes a few minutes, and the borrower gets cash within hours.

General terms of a cash advance

Cash advances between $100 and $1,500 are available online. The fees for cash advances range from $15 to $30 per $100 borrowed, depending on state law and other circumstances. The term of a cash advance loan is usually two to four weeks, and the cash advance and fee must usually be paid back in one lump sum. If you need more time to repay the amount you need, check out installment loans.

Cash advances versus traditional loans

Cash advances have two unique advantages over traditional loans in that they are unsecured loans, and typically don’t require a credit check. This means that someone of little means or with a bad credit record can be approved in the case of a financial emergency.

Use your loans wisely

Financially responsible people can use cash advances to save money by avoiding late fees and overdraft charges. Cash advances can also protect customers’ credit reports by allowing them to make payments on time.

Get a cash advance today

A cash advance can be directly deposited into your bank account today, possibly within just a couple of hours after you and an online cash advance lender reach an agreement. can find the best, most trustworthy lender for you in just a few minutes.