ASAP Finance offers fast and secure online matching services to connect borrowers with top-rated direct payday lenders. Online payday loans, also known as cash advances, are short-term borrowing solutions to provide borrowers with money quickly for unexpected expenses.

In contrast to loans through traditional financial institutions, payday loans do not require good credit or a conventional credit check. Payday lenders base decisions on minimal eligibility criteria that include the following:

Be at least 18 years or older
Provide proof of regular income
Provide a valid email address and phone number
Be a United States citizen or permanent resident
Have a valid checking or savings account
Be a resident of one of the eligible payday loan states

Through the ASAP Finance online application, the entire process of applying to receiving funds takes one or two days. The loan amount for payday loans range from $50 to $1,000. Payday loans are a high APR option with fees that may range from $10 to $25 per $100 offered. The repayment period is usually in two to four weeks when a borrower receives their next paycheck.

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The Good

Simple, Online Process
Discloses State Regulations
Scholarship Award Program

Simple, Online Process

The entire process of applying for a payday loan to receiving funds can be as quick as one or two days. To apply for a payday loan, borrowers simply need to submit the simple three-step online loan application with all pertinent personal information through ASAP Finance. After submission, borrowers receive a quick decision and are connected to lenders who give offers that include the lender’s interest rates and loan terms. Once an agreement has been made with the lender and the contract e-signed, the lender will directly deposit the loan amount into the bank account by the next business day.

Discloses State Regulations

State regulations for payday and online personal loans vary based on the state in which the borrower resides. Regulations may include the amount of the loan, the interest and fees that can be charged, the terms and repayment timetable, allowed number of rollovers, and payment extensions. ASAP Finance discloses some of the states’ regulations for payday loans and which states prohibit payday loans on its site for clients’ information. Regulations are prone for modification, so it is advised that clients additionally check state official websites.

Scholarship Award Program

ASAP Finance has a biannual scholarship in which one selected winner is awarded $500 to be used towards their education. To be eligible, students must have United States citizenship and be current high school seniors and undergraduate students. To apply, students must submit a 700 word essay on the given topic and then "like" and "share" at least one of ASAP Finance’s Twitter or Facebook profiles. Submission deadlines are in June and December with winners announced in July and January.

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The Bad

Indirect Lender
Time in Business Undisclosed

Indirect Lender

ASAP Finance does not provide loans to borrowers. The company is an online matching service that connects borrowers to top-rated lenders. As an indirect lender, rates, fees, and loan terms are undisclosed as they vary based on loan and vendor. Borrowers will need to compare rates, fees, and loan terms with other payday loan companies after receiving an offer from the connected lender. Borrowers are unable to research lenders before applying as ASAP Finance does not disclose the lenders it partners with.

Time in Business Undisclosed

It is unclear how long ASAP Finance has been in business as its time in business is undisclosed on its site. The number of years in operation may be an indicator of a reputable company.

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The Bottom Line

ASAP Finance may be a good option for borrowers who have urgent financial matters, but are unable to acquire loans through traditional financial institutions because of factors such as time limitations or bad credit.

ASAP Finance is not a direct lender; it connects borrowers to short term loan lenders. This requires additional research from the borrower into the rates, fees, and loan terms as these vary based on the lender. Partner lenders are also undisclosed on the company’s site. It is important to research the lender to establish if it is reputable. We recommend researching the lender through the Better Business Bureau, reading reviews, and verifying that it does not have findings from the Consumer Financial Protection Bureau (CFPB) before making an agreement or signing a contract.

Payday loans are high-cost short-term loans and an expensive way to borrow as they typically have high APR rates and fees. We do not recommend taking out a payday loan unless the borrower is confident they can repay it back in full and on time. We also recommend comparing rates, fees, and loan terms with offers from additional lenders to ensure the consumer’s best financial interest.

View Best Payday Loan Companies

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User Reviews

Star Rating

4.7

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60 Reviews

Review Breakdown

5 grade

80%

4 grade

17%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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star star star star star_border

Maragaret

this legal thing popped up out of nowhere and I needed cash fast to pay the lawyer bills & loan person was totally professional and approved my loan right away. Having those funds allowed me to focus on handling the legal stuff instead of stressing over money.

3 weeks ago

star star star star star

David West

these folks at asap finance eally came through for me. I was in a tight spot and needed some quick cash. They got me the money fast without doing a hard look at my credit score that would ding me

1 month ago

Reply from ASAP Finance

Hi, David
Thanks for taking the time to share your feedback! We’re always eager to learn more about your experience. If you have any additional thoughts or suggestions, we’d love to hear them. Your input is invaluable in helping us enhance our service!

Sep. 30th, 2024

star star star star star

Ines Neas

Not long ago, I worked with them for a loan. Being able to adjust the payments each month based on my finances made the whole experience completely stress-free. It was incredibly helpful to have that flexibility. They provided excellent service overall.

3 months ago

Reply from ASAP Finance

Hello, Ines

Thank you for your review. You are always welcome at our stores.

Best regards from ASAP Finance!

Jul. 31st, 2024

star star star star star

Klaudia Noek

was downright surprised by how fast they processed his loan, i described the service as seamless and the team as caring and approachable.

2 months ago

Reply from ASAP Finance

Hi, Klaudia
Thank you so much for your review!

Aug. 30th, 2024

star star star star star

Jake King

They have awesome managers who really care about the customers, especially Kelley. They make sure to understand what's going on. This location specifically has a great team that makes me feel valued in the community.

5 months ago

Reply from ASAP Finance

Dear, Jake!
We sincerely appreciate your review and support. Your kind words mean a lot to us and serve as a motivation to continue delivering exceptional service. We are delighted that you had a positive experience, and we look forward to serving you again in the future. If there's anything else we can assist you with, please don't hesitate to reach out. Thank you for choosing us!

May. 31st, 2024

star star star star star_border

Mikyah Streater

Applying for the loan was super quick, and the money came crazy fast. These guys are good! Filling out the loan form was mad easy, and the money came quick. So nice not to wait around.

4 months ago

Reply from ASAP Finance

Hi, Mikyah! Thank you for your review! Please let us know if we can do anything to improve your next visit. We look forward to seeing you again soon and continuing to provide exceptional service. Are there any additional insights or areas where we can enhance the experience as we continually refine our offer?

Jun. 28th, 2024

star star star star star

Patterson Willie

You can get approved in minutes maybe, and have the money in your account as soon as the next day or even the same day! Its quick and simple - apply through their secure site, and their team takes care of the rest.

7 months ago

Reply from ASAP Finance

Dear Willie, thank you for your review and support. Your feedback is truly valued and inspires us to maintain our high standards of service. We're thrilled you had a positive experience and can't wait to serve you again. Feel free to contact us if you need anything else. We appreciate your choice!

Apr. 29th, 2024

star star star star star

Rogers Austin Fayetteville, NC

interest rate you gave me was decent, and I 'preciate you being upfront about everything and you approved me fast and got me the money without any hangups, so I could take care of what I needed to do

8 months ago

Reply from ASAP Finance

Your review and support mean the world to us. Your kind words fuel our commitment to providing outstanding service. We're overjoyed you had a great experience and eagerly await the opportunity to serve you again. Don't hesitate to reach out if you need assistance. Thank you for choosing us!

Apr. 29th, 2024

star star star star star

Virginia Gorked

One aspect that stood out to me while dealing with dis service was their flexibility when it came to repayment options, manager offered a range of choices, allowing me to select a plan that aligned with my financial capabilities plus they was willing to discuss and accommodate any changes to the repayment schedule, making it easier for me to manage my loan repayments. This flexibility provided me with peace of mind and made my loan experience more manageable.

1 year ago

Reply from ASAP Finance

Hello, Virginia
Thank you so much for your kind words! We are delighted to hear that you had a positive experience with us. Our team works hard to ensure that our customers receive the best service, and your feedback is truly appreciated. We look forward to serving you again in the future. Best Regards, ASAP Finance Team!

Jul. 2nd, 2023

star star star star star

ellis lowe

OMG, you guys! I just had to share my experience with this service I needed some extra cash to cover some unexpected expenses, and these guys came to the rescue! their loan application process was so simple, even I could do it (and I'm not exactly a tech wizard), the approval was quick, and the money was in my account before I knew it. I swear, they saved my life! If you find yourself in a pinch, don't hesitate to check out this company

1 year ago

Reply from ASAP Finance

Hi, Ellis
Thank you so much for your review!
ASAP Finance Team!

Jul. 2nd, 2023

star star star star star

Steve Nayman San Francisco, CA

I was looking for a short-term loan to pay off some bills when I received an email from the company offering me a lower interest rate than my bank. I reached out to their customer service and spoke to my loan officer, who was so kind, helpful, and understanding. She helped me get through the application process quickly, and I was able to get my money in less than 24 hours.

2 years ago

Reply from ASAP Finance

Thank you so much for your review. I'm so glad we were able to help you with your needs. We make every effort to provide our customers with the best service, and I'm glad that was reflected in your experience.

Jun. 29th, 2022

star star star star star

Anthony Stewart GA

application process was simple and straightforward, and they were also really helpful answering any questions I had about the loan process plus the best part is that they were able to get me approved within 16 minutes! I checked!

1 year ago

Reply from ASAP Finance

Hi, Anthony
We are happy that you had a nice experience with us.
Best regards, ASAP Finance (Bad Credit Cash ASAP) Team!

Apr. 1st, 2023

star star star star star

Katy Blink

was lucky enough to find this service and their lenders, they have been nothing but helpful and responsive throughout this process they've made sure that I understood every option available to me, and worked with me to get the best loan offers possible within my budget.

1 year ago

Reply from ASAP Finance

Hi, Katy!
Thank you so much for your kind review!

Feb. 28th, 2023

star star star star star

Hellen Picksdale St Louis, MO

whoever that girl Kathryn is really helped me for my first time coming here definitely would recommend to anyone that is interested in good service I will be going back. Really helped me with a lot of things including a over payment I thought I made. I love the hands on help

1 year ago

Reply from ASAP Finance

Hi Hellen! Thank you so much for your review!

Nov. 30th, 2022

star star star star star

stephen burp Chicago, IL

have been working with this company for a few years now, and I have to say that their loans are great. The rates are low and the terms are fair, and they're always willing to help me out when I need it. I'd recommend them to anyone!

2 years ago

Reply from ASAP Finance

Hi, Stephen! We are so happy that you had the best experience with us! Thank you so much for your review! Best regards, Gregory Allen from ASAP Finance!

Oct. 31st, 2022

star star star star star

Evrica Takat Ashburn, VA

Your team helped me out of a really tough financial situation. I had no idea what to do with my life and was drowning in debt. Their website is super easy to navigate and they gave me everything I needed in just a few clicks. Customer service has been great, too!

2 years ago

Reply from ASAP Finance

Thank you for your review! We make every effort to provide the best service possible, and we're glad to hear that you had a positive experience.

Jun. 29th, 2022

star star star star star

Neely New York, NY

When I found myself in a financial jam, I was conscious that with my credit score of 489 my chances to get a traditional loan are void. That is why I decided to apply with a loan agency. And it was my surprise that Badcreditcashasap got paid me the next day as they promised!

2 years ago

Reply from ASAP Finance

Hi, Neely! We are so happy that you are satisfied with our services. Our direct lenders work with people with all all types of credit scores. So, please be welcome to apply anytime!

Jan. 31st, 2022

star star star star star_border

Kevin Damian ,

Fine service! I have got a salary cut due to the pandemic, and was searching for some ways to handle my expenses. A friend of mine suggested this website. I have never taken these types of loans, so I didn't know how they work. From me a big like for the information on the website, as it was enough to have an idea about the specifics of these loans. The application was really fast! I must say that I am surprised how easy it was to get a cash advance. Definitely recommend it!

3 years ago

Reply from ASAP Finance

Kevin Damian, thank you so much for the appreciation of our efforts and for your kinds words!

Jan. 19th, 2021

star star star star star

mike Memphis, TN

same day loan I applied for did offer fast approval and disbursement, but the interest rates were not as low as I had hoped. It ended up costing me more in the long run, so I would advise caution when considering this option

1 year ago

Reply from ASAP Finance

We welcome all feedback, as it helps us grow and improve. If you have any suggestions or concerns, please don't hesitate to share. We're here to listen and make your experience better.

Oct. 31st, 2023

star star star star star

Ivy Sanders CA

I was looking for a loan for my education and found this site. The process was so easy, I got the money in no time. Also, the customer care is amazing! They helped me with everything and were always there if I needed them.

1 year ago

Reply from ASAP Finance

Hello, Ivy!
It was a pleasure to deal with you! Have a nice day!

Feb. 28th, 2023

star star star star star

Charles Sharp Hillsboro, OR

had a great experience with bad credit CASh asap. They were very fast and efficient, which was great because I needed the money as soon as possible, also liked how nice and friendly the customer service was )))

2 years ago

Reply from ASAP Finance

Hello, Charles! We are happy that you had amazing experience!

Jul. 29th, 2022

star star star star star

Helen Matthews Springfield, MA

thank you for your assistance, I thought that such companies are a scam and charge additional costs but you just make it free and got me a nice lender with low rates., so thank you!

2 years ago

Reply from ASAP Finance

Hi, Helen! It was our pleasure to help you in this matter. Rely on us everytime you need financial assistance.

Apr. 1st, 2022

star star star star star

Ava Hernandez New York, NY

Thank you for allowing to get a loan even with bad credit score. Had some problems with it at the traditional banks and credit unions, but your direct lenders are just perfect. Thank you one more time, guys!

2 years ago

Reply from ASAP Finance

Hi, Ava! We are pleased to help you get the best financial aid you ever had. Your pleasant experience and nice review is our blessing. Thank you so much!

Jan. 31st, 2022

star star star star star_border

Jen Martison New York, NY

just liked your financial assistance, so cool that response within several minutes but your lender have some long loan agreement, and it upset me little bit, didn't understand all the terminology, but overall it was ok, thank you!

2 years ago

Reply from ASAP Finance

Hi, Jen. Please, drop us a line next time, when you don't understand the agreement clauses. Our customer care agents will explain you the necessary terminology.

Jan. 31st, 2022

star star star star star

Kyra Essence Miami, FL

I would also like to say thank you to all your staff. your payday lenders helped me get extra $700 dollars for my daughter surgery just in one day! i am so happy with this payday loan.

3 years ago Edited November 11, 2021

Reply from ASAP Finance

Hi, Kyra! We are happy that your daughter got the surgery on time. Please, when having health problems and need money, apply with us and receive your loan within 24 hours.

Dec. 30th, 2021

star star star star star_border

Margy Gonseth

Read between the lines though, sometimes they still check into your finances somehow even when advertisin' no credit check. Good luck out there!

6 months ago

Reply from ASAP Finance

Your kind words are greatly appreciated! We're thrilled to hear that you had a positive experience with our service. Our team is committed to exceeding expectations, and your feedback encourages us to keep up the good work. We look forward to assisting you again soon. Best regards, ASAP Finance Team!

Apr. 29th, 2024

star star star star star

joeann shultis Bilbao, BI

managed to finance energy-efficient enhancements. Good rates and fast processes have put me on the path to help Mother Earth!

9 months ago

Reply from ASAP Finance

We're grateful for your review and support. Your words of encouragement are deeply appreciated and drive us to continually exceed expectations. It's fantastic to hear about your positive experience, and we're excited to welcome you back in the future. If you require further assistance, please reach out. Thank you for selecting us!

Apr. 29th, 2024

star star star star star

Dawn_jones Austell, GA

drop a line about this loan that made my holiday fiesta happen. Super chill process, and now I'm celebrating without empty pockets. Cheers to that!

10 months ago

Reply from ASAP Finance

Thank you Dawn Jones for your review. We appreciate your feedback. Gregory Allen from ASAP Finance!

Dec. 29th, 2023

star star star star star

Iren Webster Miami, FL

amazing company that helped me match with direct lenders from FL, got my money yesterday and already spend them on my father treatment, thank you so much!

2 years ago

Reply from ASAP Finance

Thank you so much for your review! We're so glad you enjoyed our services. It was great to work with you and we look forward to doing it again in the future!

Apr. 30th, 2022

star star star star star

DorothyAkers Lynn, MA

happy with my borrowing experience they know how to do their job when it comes to cash advance loans

11 months ago

Reply from ASAP Finance

Thank you for your previous review and for providing us with an opportunity to address your concerns. We are pleased to inform you that we have made significant improvements based on your feedback.

Dec. 29th, 2023

star star star star star

xander brunch Brooklyn, NY

great guys on the venture happy to get my installment loan on time with cheapest rates on the market so highly recommend them

1 year ago

Reply from ASAP Finance

Dear Xander,
Thank you so much for your kind words! We are delighted to hear that you had a positive experience with us. Our team works hard to ensure that our customers receive the best service, and your feedback is truly appreciated. We look forward to serving you again in the future.
Best Regards, ASAP Finance Team!

Jun. 1st, 2023

star star star star star

Alice Robin TX

you are near firefax center but i couldnt find you for the first time, so i asked directions and was all good in the end, thanks for my option

1 year ago

Reply from ASAP Finance

Hi, Alice!
Thank you for taking the time to provide your feedback. We value your opinion and will use it to enhance our services. If there's anything specific you would like us to address or improve upon, please let us know. We appreciate your support and hope to have the opportunity to serve you better in the future.
Kind Regards, ASAP Finance Team!

Jun. 1st, 2023

star star star star star

ernesto roth

just wanted to cover all my debt with one loan, it was a personal loan thanks for flexible schedules and low rates, just great having you by my side

1 year ago

Reply from ASAP Finance

Dear Ernesto! Thank you for your review. We are happy that you had nice experience with us. Best Regards, Gregory Allen!

Apr. 29th, 2023

star star star star star

daisy jamper Chicago, IL

great experience with your company, cheap lenders and nice opportunity to get quick cash on the bank account, keep up guys!!

2 years ago

Reply from ASAP Finance

Hi, Daisy! It was a pleasure to work with you! Best Regards, Gregory Allen from ASAP Finance!

Oct. 1st, 2022

star star star star star

Felde Bynd Mount Laurel, NJ

thank you so much for matching me with direct lenders, they are great and nice customer care, just as you, thanks a lot!

2 years ago

Reply from ASAP Finance

Hi Felde! We're so grateful for your business and for taking the time to leave us a review. We're always looking for ways to improve, and we appreciate your feedback—we'll definitely be talking about how we can do better with our team. Thanks again, and we hope you have a wonderful day!

Apr. 30th, 2022

star star star star star

Stany Kombo

completely satisfied with your matching service: no credit checks, no faxing, no additional fees, how amazing, huh? so thanks for such customer care!

2 years ago

Reply from ASAP Finance

Hi, Stany! We make effort to provide you the best connecting service and your satisfaction is our gift. Thank you for your kind review.

Apr. 1st, 2022

star star star star star

Dakota Stretch Miami, FL

I am just blessed that I found you on the internet. Just received my money in the bank account. Nice website and cool customer care, thanks!

2 years ago

Reply from ASAP Finance

Hi, Dakota! Thank you so much for your kind words. We are happy to help you anytime!

Mar. 1st, 2022

star star star star star

Lily Nicholson New York, NY

one of the best service in my town, personal loans are the good one for my financial problems, so got the reasonable APR and interest rates so far!

2 years ago

Reply from ASAP Finance

Hi, Lily! Our direct lenders are happy to provide you with the cheapest loans on the market! Please, rely on us next time!

Jan. 31st, 2022

star star star star star

Haney C. Miami, FL

one request form for 160 direct lenders from Florida? How is it possible? Thank you guys for your 900 worked really well for me this month!

2 years ago

Reply from ASAP Finance

Hi, Haney! We enlarge our network of direct lenders that are ready to work with you. Next time having a problem with money, rely on us and we will do the best for you.

Dec. 30th, 2021

star star star star star

Max Chicago, IL

needed money asap, they helped me with cash advance, as usual friendly stuff and quick answer, thanks to my agent, recommend it

3 years ago

Reply from ASAP Finance

Hi, Max! Thank you for your kind review. We really appreciate it. Please, rely on us next time you'll have financial difficulties. Best Regards, Gregory Allen.

Jun. 30th, 2021

star star star star star

Gobinet Leighton Apopka, FL

was pleasantly surprised by my recent visit to asaPP finance for a loan. The branch manager, Kerry, was a gem.

1 year ago

Reply from ASAP Finance

We appreciate your kind words and support. Your feedback is invaluable in helping us maintain our high standards of service. Thank you for choosing us.

Oct. 31st, 2023

star star star star star

Daniel Friedrich East Fairfield, VT

finance asap offers competitive rates and exceptional customer service they genuinely care about their clients

1 year ago

Reply from ASAP Finance

Your generous words and the positive review are truly appreciated! We're elated to hear about your outstanding encounter with our services.

Oct. 1st, 2023

star star star star star

Gregory Elliott Fort Lauderdale, FL

so great to deal with this service - manager at the location near is friendly and helped with the application

1 year ago

Reply from ASAP Finance

We want to express our gratitude for your kind words and the positive review! We're thrilled to hear about your wonderful experience with us.

Oct. 1st, 2023

star star star star star_border

melysa ch, Miami, FL

thanks for the loan but your location in florida is so small I just couldnt wait inside, i got outside and there was too hot

2 years ago

Reply from ASAP Finance

Hi, Melysa. We will make efforts to improve this location and make it bigger for our customers! Stay tuned!

Jul. 29th, 2022

star star star star star

Sharon D. Dallas, TX

Best connecting company in my town, thanks for my payday loan, just got my bills paid! cool to have you in Texas!

2 years ago

Reply from ASAP Finance

Hi, Sharon! Thank you for your review. Rely on us every time you need to pay for your emergencies.

Mar. 1st, 2022

star star star star_border star_border

Monika Dillan

average company with averages prices, ok the prices are by their lenders but still some interest rates are little higher. the speed of payday loans is motivated though!

2 years ago

Reply from ASAP Finance

Hi, Monika! Thank you for sharing your experience. We make an efforts to improve our products and services. Please, check us next time when needing emergency cash as soon as possible!

Dec. 30th, 2021

star star star star star_border

Steven Seattle, WA

nice customer care and suitable interest rates, took some extra minutes to access the money but it was ok the next working day. Goog job guys!

3 years ago

Reply from ASAP Finance

Hi, Steven. We are sorry that it took you too much time to get an answer but we make effort to short this period and provide you an instant approval decision. Feel free to try it again next time. Best Regards, Gregory Allen.

Jun. 30th, 2021

star star star star star

Funnnickname ,

was discouraged a bit with the whole loans prices but, well, that's simply the only way they function

3 years ago

Reply from ASAP Finance

Funnnickname, we are always sorry to see our consumers upset over the loan rates but unfortunately we cannot influence them as they are set by the lenders we connect you to. Instead, we make our best in assuring our consumers base with reliable and verified lenders who deserve your trust.

Mar. 26th, 2021

star star star star star_border

Elyse Simunek Kirkland, WA

Glad I decided to work with this service, its very reliable and did a great job with offering me the most affordable variant. Good Luck!

3 years ago

Reply from ASAP Finance

Elyse Simunek, thank you for trusting our service!

Jan. 19th, 2021

star star star star star_border

Harriet Honeycutt Boca Raton, FL

Their flexible loan terms are like a safety net, making real-life moments a little less stressful!

11 months ago

Reply from ASAP Finance

We are thrilled to receive your 4-star review! Thank you for taking the time to share your positive experience. We strive to provide the best service possible, and it is rewarding to know that we have met your expectations. We look forward to serving you again in the future.

Dec. 29th, 2023