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A small detail worth knowing: $200 is the minimum for a credit union Payday Alternative Loan, capped at 28% APR. If you're already a member, it's worth a look. If not, here's what we offer right now.
No obligation. No hard credit pull to check your options.
A $200 loan works the same as any of our other payday loans — one payment, due on your next payday, no collateral. What's worth flagging at this specific amount is that $200 is also the entry point for a genuinely cheaper option elsewhere.
Credit unions offer Payday Alternative Loans (PALs) starting right at $200, capped by federal rule at 28% APR — meaningfully lower than a typical payday loan. The catch is you usually need to already be a member, often for at least a month before you can apply. If that's not you right now, our loan is the faster path; if it is, the PAL is worth a call first.
Below this line, a PAL isn't an option. At $200, it becomes one.
Calling 211 or visiting 211.org connects you with local charities and assistance programs that may cover essential costs directly, at no cost to you.
Every fixed amount we offer, in one place.
State and basic details — about five minutes.
Usually within minutes, using a soft credit check that won't affect your score.
Often the next business day, sometimes the same day if approved early.
I needed a small amount to cover an unexpected utility bill before my next paycheck. The application was easy to complete, and I appreciated being able to review all the loan details before making a decision. The process was straightforward and easy to understand.
A few extra expenses came up during the month, and I only needed a small loan to help bridge the gap. I liked how simple the online application was and how clearly the repayment information was presented. Everything felt transparent from start to finish.
I was short on cash for groceries and fuel just before payday. The process was quick to complete, and I never felt confused about the terms or requirements. Having access to a small loan option made it easier to manage my budget until my next paycheck arrived.
A straightforward loan marketplace built around clear terms and a fast decision — not fine print you need a lawyer to read.
This page is written and kept up to date by our in-house editorial team, so the language stays plain and the numbers stay current.
Final review is done by the site owner before publishing — questions or concerns can be sent through our Contact page.
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