Best Instant Cash Loan Matching Services 2022


The cash advance industry has grown tremendously since the advent of the internet age. Most individuals are turning to online loan solutions to help with unexpected expenses. As a result, thousands of payday loan companies have flocked to the internet hoping to capture a chunk of the market by offering instant loans.

Despite the benefits that most of these lenders bring, a few people have reservations about certain lenders.

This article has focused on the top four cash advance matching companies that connect all US borrowers with the best loan companies.

What is an instant cash advance loan?

An instant cash advance loan is a short-term loan that deals with small amounts of money and has high interest rates.

These loans can be useful when you are short on cash, but you are not qualified to take out loans from banks and other top financial institutions.

Cash advances work quite similarly to short-term personal loans and can be used to meet emergency expenses until the borrower’s next salary. You can use them for anything; medical bills, home repair bills, utility bills and debt consolidation. Moreover, even people with bad credit history can borrow these loans.

However, companies offering instant cash advances have consistently been criticized for excessive interest rates and unfavorable terms.

Best Instant Cash Loan Matching Services 2022

1. Viva Payday Loans

Viva Payday Loans offer short-term loans to all Americans, regardless of their credit history. Like most payday loans, Viva Loans is primarily concerned with the borrower’s ability to repay the loan on time. They often don’t do a thorough credit check, which improves many borrowers’ chances of qualifying for their loans.

You can process their instant cash advance without credit check in just a few hours. They have partnered with direct lenders who appreciate the nature of financial emergencies and process loan assessments and approvals in the shortest possible time. The interest rates for these loans range from 5.99% to 35.99%.


  • Quick application and approval
  • They offer loans between $200 and $5,000
  • Same day payment

The inconvenients

  • Viva payday loans are not available in all states

Visit the Viva Payday Loans website

2. Heart Paydays

Heart Paydays is one of the most popular loan companies in the United States. All of their loan services are accessible online, saving borrowers the hassle associated with in-store loan applications. Heart Payday’s instant cash advance application process is generally more accessible and faster than traditional lending institutions – it takes about ten minutes.

Their instant cash is available to all Americans, even those with poor credit histories, the unemployed, or government welfare recipients.

The Heart Payday site offers loans between $200 and $2,000 with two-month repayment terms. However, borrowers can still negotiate loans for larger amounts, up to $5,000, repayable in two years.


  • Not much paperwork
  • Easy application process
  • People with bad credit history are welcome to apply
  • Same day payment

The inconvenients

  • Their loans have exaggerated interest rates

Visit the Heart Paydays website

3. Credit Clock

Credit Clock is one of the most famous instant cash advance providers in the United States. The site’s lending services are provided at breakneck speed, and their loan application process can take less than three minutes. Credit Clock offers loans ranging from $200 to $5,000 with short repayment terms.

Their qualification requirements are lenient, allowing even people with poor credit scores to qualify for their loans. Applicants only need to prove that they can repay the loan.


  • Candidates with bad credit history can also apply
  • Approval one day
  • Fast approval process

The inconvenients

  • Applicant must show proof of earning at least $1,000 to qualify for loans

Visit the Credit Clock website

4. Money Lender Team

The Money-Lender Squad is famous for providing short-term loans all over the United States. The best thing about their services is that borrowers with bad credit scores do not need guarantors or collateral to qualify for their loans. Moreover, their loans are instant and the application process is simple.

Typically, the Money Lender Squad offers short-term, two-month loans. But this may vary depending on the amount you withdraw; large loans may be allowed to repay more. Their loans come with interest rates ranging from 36% to over 400%.


  • You can negotiate more time to repay the loan
  • The Money-Lender Squad offers fast loan services
  • Candidates do not need guarantors or guarantees
  • People with bad credit are eligible for these loans

The inconvenients

  • Their interest rates change

Visit the Money Lender Squad website


Sometimes we find ourselves short of money, but our family members and friends cannot always help us. This is where loans come in. However, not all loan options are accessible and ideal for emergencies. That being said, many people are looking for easily accessible loan options, such as instant cash advances. Although these options are easy to access and offer same-day payments, they come with high interest rates.

Cash advance loan options are a last resort. It is advisable to look for cash advance loan options as a last resort. It would be best to have a a clear plan for repaying the loan. Another essential aspect is your financial capacity. You need to take out a loan that you can repay quickly.


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