Need Money?

Request $250 - $2,500 Cash!

Quick and Simple

Our simple online request form can take minutes to complete, which means you may get connected to money in less time.

Connect with Funds

Funds may be wired to your bank account quickly, upon lender approval.

All Credit Types Welcome

All credit types welcomed! You may get approved by a lender regardless of your credit score or history.

Your Process is as Easy as 1-2-3.

At PaydayShip we have established a large network of lenders to help you get the funds you need for your short-term needs.

How it Works?

After you fill out the short and simple form on this website we work with our network of lenders to try and connect you with a lender for your loan. If we are successful in connecting you with a lender, the Lender will provide you with all relevant documents and information. If you are unhappy with the terms of a loan from a lender you are under no obligation to continue on with the loan process. The best part is that we do not charge any fee to you for the use of our service.

What is the APR I can expect for a loan from Lenders I may connect with?

Only a lender can provide accurate information on your specific loan terms. PaydayShip is not a lender and does not provide short-term loans, but connects consumers who need these loans to lenders who provide them. Because PaydayShip does not provide consumers with loans directly, it is very difficult for us to provide you with an exact Annual Percentage Rate (APR) that you might expect to pay on a short-term loan. APR is meant to characterize both the interest rate and the fees associated with a loan for an entire year. The loan that you are likely to be connected with from our site will be a short-term loan that should be repaid in a matter of weeks, so using an APR to describe the cost of the loan may seem misleading. That said, since APR is a well-recognized standard for describing the cost of other types of loans, like mortgages, credit cards, or auto loans, we want to provide an APR for you to study that may help guide your assessment on whether a loan offered to you is the right fit. The APR may vary considerably between different loans and different consumers.

If I accept a loan from a lender in your network, when can I expect to receive my funds?

Only a lender can provide accurate information on your specific loan terms. We send out your loan request form in real time and depending upon your personal information you may be contacted within minutes by a Lender. Once connected with a Lender, they will provide you with your loan offer and loan terms, including time periods. We have no control over the loan terms or timing of any loan products offered by lenders who contact you.

Can a short-term loan affect my credit?

Most lenders in the PaydayShip network typically do not consider your credit from Experian, Equifax, or Trans Union when determining if they will extend a loan offer to you. However, some lenders may use consumer credit reports or other personal information from alternative providers in order to make assess whether to extend a loan offer to you. If you do not repay your loan on time, your delinquent payment may be reported to a credit bureau, which could negatively impact your credit score. It is very important with short-term loans, as with any loan, that you repay the loan on time or contact the lender to communicate any circumstances.

What happens if I don't pay back the loan I connect with on time?

If we are successful in connecting you with a lender, you accept their terms and conditions of the loan offer, and accept the loan, then you are agreeing to pay back the loan in the amount of time stated in your loan documents. If you partially repay the loan or do not pay off the loan at that time, this will likely result in additional fees. We encourage you not to take any loan that you cannot repay. Each lender renewal policies are different and we have no control over their policies. Please take the time to read the lender's renewal policies, as well as the other terms and conditions they provide to you before accepting a loan offer. If you have any questions or need more information about the terms of a loan don't hesitate to contact the lender directly and they will be happy to provide you with answers to your questions.

Can I renew a loan with a Lender I connect with if I can't pay it back on time?

Most loan renewal policies are governed by state laws and regulations and are determined solely by your lender. The loans offered by lenders in the PaydayShip network are designed to be short-term solutions to your financial difficulties. You should only take a loan you expect to be able to pay back in full and on time or you may incur late fees or other charges. If you do not believe you will be able to pay the loan back on time you should consider other alternatives before choosing a short-term loan.

What are the Lender's collection practices if I don't pay back the loan?

Only a lender can provide accurate information on their collection practices. PaydayShip is not a lender and does not perform any debt collection. The debt collection practices for the lender offering your loan will be disclosed in your loan documents. If you do not understand or have any questions about the collection practices used by a specific lender you should raise your concerns with the lender directly. PaydayShip has made reasonable efforts to only work with well recognized and trustworthy lenders who employ fair handling in their collections practices for past due accounts.