A note saying tomorrow or overnight.

Overnight Payday Loans

If you need an overnight loan and you have bad credit, we might just be able to help you. At Loan Monkey, we can get you access to a large online network of lenders, many of whom offer payments as soon as the next business day which is overnight in many cases. It takes just a few minutes to get an offer from one of these lenders. Why not get your offer now?

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Infographic on overnight payday loans


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About Overnight Loans

When you need money for an emergency, you need it fast. Ideally, you want it the very next day.

Getting An Overnight Loan

So, is it really possible to get a loan overnight? Yes, in many cases it is possible but not always. A lot will depend on your lender, your qualifications and what time of day that you get your quote.

Generally speaking, the earlier in the day that you apply, the better your odds of getting a loan disbursal the next day. In addition, the day of the week that you apply makes a big difference. If the next day is a bank holiday or a weekend, your loan may be delayed. This is because lenders generally use electronic transfers and these will only go through on a bank work day.

Payday Loans

A payday loan is a loan that is, obviously, designed to be paid back on your next payday. At Loan Monkey, we want to help you possibly do better. That is why we give you access to a network of lenders that may be able to offer you something better than overnight payday loans.

Even with bad credit, you may be able to qualify for an installment loan. Installment loans will do a lot of things for you that a payday loan can not.

Installment Loans

The beauty of the installment loan is mainly that it will give you much longer to pay back the money that you borrow. The loan payments will be made in multiple installments instead of all at once. The benefit to that is obvious, it would give you smaller payments that are much more manageable.

The reason that many people get into trouble with payday loans is that they can not really afford to pay the money back in one lump sum. This results in them having to extend their loans or take out another one immediately after paying the last one off. This can be a tough cycle to get out of.

Another benefit that an install loan has over a payday loan is the amount that you can borrow. Payday loans, if they are available in your city, are heavily regulated and you can only borrow so much money. The average payday transaction is a little over a $300 loan and if you need more than that, they may not be able to help you. Even a 10000 dollar loan is possible if needed with install loans.

One final good thing about the install loan is that it generally funds just as quickly as a payday loan. This means that if you can get an overnight payday loan, you can probably get an overnight installment loan. The only way to find out is to get a quote and then ask your lender when the loan will fund, so why not get started.

Ways To Get Cash Overnight

You have a lot of ways to get cash overnight if you need it for an emergency. Here are some of the options that you can consider.


You obviously already know that this is an option. The great thing about this choice is that it is easy and you can get an answer in a matter of minutes. The bad thing is that you will have to pay back the money with interest and/or fees.

If you decide to pursue a loan, make sure that you know all of the costs involved and that you are absolutely sure that the loan payment or installment payments will fit into your budget. Remember, just because you get approved does not mean that you can afford the loan. You need to make that decision.


Family is always a great resource to pull from and if you have somebody who can advance you the money you need, it is the best option. If you have a chance to take an interest and fee free loan, you should always do it.

These days loans with family can be very quick, even if they live across the country. Applications such as Zelle allow for instant transfers of money meaning that you can get your money even earlier than overnight if you take this option.

Sell Property

Yes, you can get money overnight from selling property but you have to do it the right way and you have to have something that is high in demand. Sure, you could just take it to a pawn shop but you will not get much money for your item.

A better solution might be to sell on eBay with an instant buy link. You can specify that the buyer must pay you immediately via Paypal and then, if your item is priced competitively, you should not have a problem selling it in a matter of hours. If your account is in good standing, you then should be able to use the Paypal instant transfer option to get the money in your account immediately. This works best for high demand items like video games, apple phones, etc.

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James Car is a finance, loan and budget expert based in the United States. After attending Brookhaven college, he went on to become a successful entrepreneur. He now enjoys writing articles that help people save and make the most of their money.