{"id":1309,"date":"2019-12-06T19:51:58","date_gmt":"2019-12-06T19:51:58","guid":{"rendered":"https:\/\/www.lendnation.com\/5-top-reasons-people-get-a-payday-loan\/"},"modified":"2025-07-30T17:39:13","modified_gmt":"2025-07-30T17:39:13","slug":"5-top-reasons-people-get-a-payday-loan","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/5-top-reasons-people-get-a-payday-loan\/","title":{"rendered":"5 Top Reasons People Get A Payday Loan"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2019-12-06T19:51:58+00:00\">December, 2019<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">5 Top Reasons People Get A Payday Loan<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"384\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/featured_smaller_576x384.jpg?w=576\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"These are the top 5 reasons why people apply for a payday loan\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/featured_smaller_576x384.jpg 576w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/featured_smaller_576x384.jpg?resize=300,200 300w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-reasons-why-people-get-a-payday-loan\"><strong>Top Reasons Why People Get A Payday Loan<\/strong><\/h2>\n\n\n\n<p>Did you know there are&nbsp;<a href=\"http:\/\/freakonomics.com\/podcast\/payday-loans\/\" target=\"_blank\" rel=\"noopener\">more payday loan locations<\/a>&nbsp;in the United States than McDonald\u2019s? Maybe it\u2019s because, much like the fast-food chain, this type of cash advance offers convenience, speedy service, and priced-to-sell services.<\/p>\n\n\n\n<p>If you have never used a <a href=\"https:\/\/www.lendnation.com\/resources\/wiki\/payday-loan\/\">payday loan<\/a> before, you might be curious as to the benefits of this type of personal loan. Why would someone want to use this service over another type of loan? We\u2019re happy to answer, by sharing with you why others do. Check out these five tops reasons people prefer payday loans, and decide for yourself if it\u2019s the right option for you!<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-display-small-font-size\" id=\"h-1-payday-loans-offer-small-loan-amounts\"><strong><span style=\"font-size: 16px;\">1. Payday Loans Offer Small Loan Amounts<\/span><\/strong><\/h3>\n\n\n\n<p><strong><\/strong>To fully understand the benefits of small loan values, let\u2019s set up a scenario. It\u2019s only a few days before your next paycheck comes in and suddenly you have a surprise bill. It could be the electric bill was higher than expected or your car had a sudden breakdown. Or, maybe you got the flu and need to pay the doctor\u2019s bill.<\/p>\n\n\n\n<p>Whatever the reason, you now need just a little extra money &#8211; enough to get you through the next couple days until you can pay it back. Can you go to your local bank and ask for a small loan? Maybe, but many banks don\u2019t offer services like that. If they do, the application and approval process can be lengthy. In general, your credit score also has to be pretty good to get approved.<\/p>\n\n\n\n<p>What about a cash advance on your credit card? You could, but&nbsp;<a href=\"https:\/\/www.thebalance.com\/credit-card-cash-advance-fee-explained-959991\" target=\"_blank\" rel=\"noopener\">cash advances on credit cards can be pricey<\/a>&nbsp;\u2013 potentially charging you up to three different types of fees, including an ATM withdrawal fee, interest rates, and transaction fees. Interest starts accruing the moment that money leaves the ATM. And, credit cards have limits, so you may not have the available credit you need.<\/p>\n\n\n\n<p>However, a payday loan solves all of those issues. You can borrow as little as $50 and, depending on the state you live, up to $1,000. Plus, the costs are clear; you\u2019re charged a one-time flat fee based on a percentage of the loan. Your home state will dictate your interest rates,&nbsp;<a href=\"https:\/\/www.lendnation.com\/location\" target=\"_blank\" rel=\"noreferrer noopener\">which you can check here<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-display-x-small-font-size\"><strong><span style=\"font-size: 16px;\">2. Payday Loans Offer Fast Cash<\/span> <\/strong><\/h3>\n\n\n\n<p><strong><\/strong>Sometimes, time is of the essence. When the clock is ticking, other loan options just don\u2019t come close to the speedy delivery of a payday loan. In fact, it\u2019s quite a&nbsp;<a href=\"https:\/\/www.finder.com\/personal-loans-how-to-apply\" target=\"_blank\" rel=\"noopener\">process to get a personal loan<\/a>. Depending on the bank you choose, here\u2019s how it generally works:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Shop for a personal loan to find the best rates<\/li>\n\n\n\n<li>Provide in-depth personal information and fill out the application<\/li>\n\n\n\n<li>Personal loan application goes into underwriting, generally taking 72 hours<\/li>\n\n\n\n<li>You receive an approval anywhere from 3 business days to 10 business days<\/li>\n<\/ol>\n\n\n\n<p>Then, there\u2019s the risk. If you don\u2019t get approved, you\u2019ve now wasted days, if not weeks, waiting to hear a resounding \u2018no.\u2019<\/p>\n\n\n\n<p>With payday loans, however, you can get cash fast. At LendNation, you can get cash as soon as the same day or the next business day. Same day cash is great &#8211; especially if you\u2019re looking at late-payment fees if you don\u2019t get the cash advance quick enough.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-display-x-small-font-size\"><strong><span style=\"font-size: 16px;\">3. Payday Loans Are More Accessible<\/span> <\/strong><\/h3>\n\n\n\n<p><strong><\/strong>Money mistakes are, unfortunately, very easy to make. And to rub salt in the wound, a single mistake can stick around for years, impacting your credit score despite trying to turn things around. Even one mistake can make or break your ability to get a loan. Although there are options to get&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/personal-loans\/bad-credit-loans?TUScoreFilter=&amp;annualIncomeFilter=30000&amp;citizenshipStatusFilter=&amp;creditHistoryLengthFilter=&amp;creditScoreFilter=POOR&amp;currentDelinquenciesFilter=&amp;currentTradelinesFilter=&amp;hardInquiriesFilter=&amp;loanAmountFilter=5000&amp;loanUseFilter=CONSOLIDATE_DEBT&amp;maxTUScoreFilter=&amp;minTUScoreFilter=&amp;page=1&amp;page_origin=bad-credit-loans&amp;sort_key=apr&amp;zip=\" target=\"_blank\" rel=\"noopener\">other types of low-credit loans<\/a>, it can be expensive and time consuming.<\/p>\n\n\n\n<p>Here\u2019s where payday loans really shine through. Payday loans are designed for people with less-than-perfect credit and little credit history. You can still get a loan even with a poor credit score. It\u2019s also why they\u2019re designed to be smaller loans; we want to give you a chance to get from paycheck to paycheck with ease.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-display-x-small-font-size\"><strong><span style=\"font-size: 16px;\">4. Payday Loans Offer a Quick, Online Application<\/span> <\/strong><\/h3>\n\n\n\n<p>One of the worst parts of applying for a personal loan is the lengthy application process. Let\u2019s compare that with a typical payday loan application.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-display-x-small-font-size\"><strong>Personal Loan Application Process<\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit a bank and speak with a loan officer<\/li>\n\n\n\n<li>Request an application<\/li>\n\n\n\n<li>Fill it out, and receive a list of documents you must provide to prove your application\u2019s contents<\/li>\n\n\n\n<li>Documents may include: Returns, earnings statements, bank statements, passport, driver\u2019s license, and more<\/li>\n\n\n\n<li>Your credit is checked, along with verification of your provided documents<\/li>\n\n\n\n<li>Drive home<\/li>\n\n\n\n<li>Wait to receive an approval or denial letter<\/li>\n\n\n\n<li>Go to pick up the check if you are approved<br><\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading has-display-x-small-font-size\"><strong>Payday Loan Application Process<\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.lendnation.com\/location\/\">Visit a LendNation store<\/a> or <a href=\"https:\/\/www.lendnation.com\/apply\/\">apply online<\/a> and fill out the application in under 15 minutes<\/li>\n\n\n\n<li>Provide your bank account information and required documents<\/li>\n\n\n\n<li>Submit your application and receive a fast decision<\/li>\n\n\n\n<li>Receive your cash same day in-store or in your bank account the next business day<\/li>\n<\/ol>\n\n\n\n<p>It\u2019s easy to see that payday loans offer a simpler, quicker application process &#8211; and it can even be done from home!<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-display-x-small-font-size\"><strong><span style=\"font-size: 16px;\">5. Why People Choose LendNation<\/span> <\/strong><\/h3>\n\n\n\n<p>LendNation is more than a payday loan lender. We offer a variety of flexible loans and money services to those in need of cash including title loans, installment loans and payday loans.<\/p>\n\n\n\n<p>You can go to a local store if you prefer to talk to someone about options. Or, you can apply for a loan online if you want to get a loan from the comfort of your home. The right way of doing things is important to us and we strive to understand your unique situation. For more than 30 years, we\u2019ve provided ways to make getting a loan easy and your cash accessible through simple, flexible options.<\/p>\n\n\n\n<p>So, now you have it. Payday loans offer you the ability to get a little money a lot faster; we can help you if you have a low credit score; we offer quick and convenient applications; and we will treat you like a friend. Ready to decide if a payday loan is right for you? Great!&nbsp;<a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">Start your application today!<\/a><\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11594 post type-post status-publish format-standard has-post-thumbnail hentry category-loans tag-apply-online tag-bad-credit-loans tag-budget-tips tag-fast-loans tag-instant-loan tag-loan-approval tag-payday-loan-online tag-personal-loans-bad-credit\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">Top 5 Myths About Online Loans Debunked<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span 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                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Learn how payday loans can help you out when you need to come up with some extra cash. At LendNation, we are here to help with all your short-term loan needs.<\/p>\n","protected":false},"author":18,"featured_media":1310,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40],"tags":[42,56,124],"class_list":["post-1309","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","tag-cash-advance","tag-online-payday-loans","tag-payday-loan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5 Top Reasons People Get A Payday Loan - LendNation<\/title>\n<meta name=\"description\" content=\"Learn how payday loans can help you out when you need to come up with some extra cash. At LendNation, we are here to help with all your short-term loan needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendnation.com\/blog\/article\/5-top-reasons-people-get-a-payday-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Top Reasons People Get A Payday Loan\" \/>\n<meta property=\"og:description\" content=\"Learn how payday loans can help you out when you need to come up with some extra cash. 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