Welcome to the New Merch Loan USA, affiliated with Payday CASH USA! We offer several different kinds of loan types for your every need.

How soon can I get my Online Cash Advance?

Funds are available often as fast as an hour after approval. Fast access to your funds means your unexpected expenses could be covered sooner than you think.

How do I get a cash advance?

You fill out our quick online application through the app. Upon approval, we’ll tell you the amount you qualify for. You can then use the cash to pay off unexpected expenses or bills. When your cash advance is due, typically on your next payday, you pay us back the borrowed amount plus a fee.

Why is a cash advance from Merchant LOANS and PAYDAY CASH a good option for those in need of a short-term cash solution?

● Upon approval funds are available as soon as the next business day, often much sooner!
● Upon approval funds are deposited directly into your bank account.
● The qualifications are simple and the application for our cash advances can be completed in minutes.
● There are no hidden fees or rates with our cash advance loans.
● By using a cash advance online instead of racking up credit card debt or overdrawing your bank account.

What is an installment loan?

With an Installment Loan you can get between $200 and $3000 next business day.
With an installment loan from PAYDAY CASH you could have options for:

● The amount of your installment loan
● The size of your installment loan payments
● The number of installment loan payments you make

What Are You Waiting For?
We pride ourselves on our speed to connect you with a lender. In most cases, submitting your information through our site may only take a few minutes of your time. After your information is submitted, you will be redirected to the lender’s website to review the terms of the loan, and if accepted, the funds will be deposited directly into your bank account!

Our service is completely FREE to you! Our company does not provide cash loans – we are here to connect you with 1 of our 100+ partnered lenders.

A personal loan is a type of unsecured loan and helps you meet your current financial needs. You don't usually need to pledge any security or collateral while availing a personal loan and your lender provides you with the flexibility to use the funds as per your need. Our lenders do not offer loans with repayment 60 days or less and also are licensed and follow all state regulations.

Apply now with our secure app.

Below is a general range of common terms.

Loan amount: $300 – $15,000
Lending period: 6 - 72 months
Payment frequency: Once a month or twice a month
Minimum to Maximum APR: 3.5% to 35.99%

Loan Example
Amount Period APR Monthly Total Paid
$2,000 24 month 12% $94.15 $2,259.60
$2,000 24 month 24% $105.74 $2,537.76
$2,000 24 month 35.99% $118.09 $2,834.16