PayDaySay Review 2024

If you are looking for a convenient cash app, then PayDaySay is the perfect option. This online application allows clients, who are working but don’t have enough money to cover emergency expenses, to get a small individual loan for consumers.

The site works 24/7 directly from your smartphone and allows you to use all the features offered at any time and immediately solve any upcoming financial problems. PaydaySay is a great opportunity to feel independent.

One has only to submit an online application for a quick loan and the amount of money will be transferred on the same day. In this review of Paydaysay, we take a closer look at how the company functions and why you should use its services.

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Pros and Cons of PayDaySay

The company has been operating for several years on the market. By this time, tens of thousands of people were able to evaluate the quality of work. So Paydaysay has a list of advantages and disadvantages. They are presented below:

PayDaySay Benefits



  • Immediate and simple access 24/7
  • Quick process
  • Cash loan without bureaucracy or paperwork
  • Ability to borrow money without a high credit score
  • Bad credit history – not a problem


  • It’s not a direct lender. No cash can be issued directly from the company website or application.

What is PayDaySay?

When people have money problems, Paydaysay comes to the rescue. The company proposes a smart and flexible lending solution for anyone all over the country.

By choosing the PayDaySay app, it is possible to get from $100 to $5,000, if you need money urgently.  The company does not care what credit rating the client has. Even a person with a poor credit rating can get a loan for his needs if he has no money left until the next paycheck. The app and website are very user-friendly. Customer support is available 24/7.

PayDaySay App

How does PayDaySay Work?

First, the client needs to fill out a short form on the site. If you appropriate the general eligibility criteria from online lenders, you can receive offers directly from your dashboard. The number of offers you receive will depend on your income, credit score, and other financial factors.

There is also a chance that you will not receive any offers if you do not meet the eligibility criteria. Managers will check the request within a few minutes, and the funds will be easily issued. The client only needs to have an existing bank account to receive additional funding. You are more likely to earn more than $1,000 per month. But there are always options.

You can be a candidate to get a loan if you receive any pension or government assistance. The minimum deposit you can qualify for is $100. In general, to get an online loan, you should:

  • Be a US resident or citizen
  • Be 18+ years of age
  • Possess a verifiable steady income source
  • Possess a valid linked bank account that’s in your name

Once you are offered a loan agreement, your goal will be to check the repayment period and seek protection from costly overdraft fees. Each personal loan agreement may have a different annual interest charge. This service is not available all over the USA.

Citizens and residents of certain states, including New York, Arkansas, West Virginia, and California, are not eligible to use this application.  Loans or loan products may be prohibited in some states. Also, there can be no lender or service provider on the site. So, always check your state’s laws. This may affect your ability to get a loan.

Features & Services of PayDaySay

The Paydaysay app is not a lender, but a liaison service that works with a network of direct lending services. This app does not charge any fees to customers for connecting them to lenders.

You have to give your personal information to connect with suitable lenders. By submitting your information in the form, you agree to have your data verified by participating lenders, which is an integral part of Paydaysay’s terms of use. The minimum and maximum repayment periods for a small loan are usually between 65 days and 2 years.

PayDaySay App Fast Approval

Terms may vary. It depends on the lender you are associated with. But the clients can always receive the funds as soon as the next business day (typically between 24 and 48 business hours). The term frame depends on the lender and loan amount. When you request money in advance, you are changed APR (Annual Percentage Rate).

A nominal interest rate here is combined with some fees or additional costs that may be incurred when obtaining a loan. The annual interest rate for quick loan options varies.  Many online lenders offer rates ranging from 5.99% to 35.99% on unsecured personal loans for borrowers with a good credit history.

The Paydaysay app is not directly involved in the lending process, so it is not possible to specify any specific annual interest rate that will be offered to you. Credit terms and conditions are based on your income, credit history, credit score, and other factors and depend solely on the lender.

The lender is required by law to inform you of the annual interest rate and other loan terms before entering into an agreement. Some states have strict laws that limit the APR rates and fees.

Besides, you can be informed about specific rates and conditions in accordance with local law only with the lender you are associated with. Please see below the total loan cost example. The calculation below includes all the applicable fees:

  • Loan amount – $2,500; loan term – 12 months; APR – 10%; fee – 3%
  • Your monthly repayment is $219,79. The total amount payable is $2,637. The total interest is $137,48.

The following loan options are available to you in the application: personal, installment, emergency, debt consolidation, and business loans.

To make the right financial solutions, check the reliable resources where you can see the comparison of financial products and direct lenders. In the app of Paydaysay, you can choose the best annual interest rate and repayment term that best suits your current financial situation.

PayDaySay Fees & Rates

Paydaysay has a wide range of fees and rates. Knowing their varieties, it will be easier for you to conduct your budgeting. Their types are shown below:

Monthly Membership Fees

Typically, the range of fees is quite affordable; however, high fees may apply to consumers with bad credit. As a prospective client, you should make sure that your credit history and direct deposit history are in excellent condition. This is to qualify for the best terms and rates from payday lenders.

Monthly fees can range from $10 to $30 for every $100 borrowed. Membership fees vary from state to state/the same situation is with the maximum loan amount. Credit unions charge lower fees for money transfers, but applying for these banking services is more difficult.

Same-Day Funding Fees

For the most part, fee ranging is quite accessible, but consumers with bad credit score may be subject to high fees. To qualify for the best conditions and rates from lenders, you need to have a good credit history and a history of direct deposits.

The monthly fee may range from $10 to $30 per $100 borrowed. Each state dictates in its own way what will be the membership fee and the maximum amount that is possible for a loan. This affects the coverage of your emergency expenses.

It should be borne in mind that credit unions charge a lower commission for money transfers. But getting these banking services is more difficult.

Commission for external bank account

Wire transfer charges on a credit builder loan generally range from $0 to $50. The cost varies depending on the service provider. A local bank may have zero fees for an external bank account, and other banking institutions, supposing, offer early access to more money and charge up to $35 in interest on an outgoing internal bank transfer.

For example, the cost of an outgoing international bank transfer is usually $3. The transfer of credit money between banks takes up to three days, and it will not be a direct deposit. The conditions of each financial institution are different, but you can find them on the company’s website. There is even more information with an assessment of the services and offers of each provider.

Late payment fee

Depending on state law, customers may be imposed other charges. Users often have to pay penalties for returning a credit card check, and an additional fee if the check is not paid due to lack of funds in the account.

It is better to pay off the debt a few days before the due date, as this can cost you a lot of extra money. Maturity is the date the lender receives compensation from clients. Monthly payments must be regular and timely.

Safety and Security of PayDaySay

Paydaysay values every consumer and wants to protect your privacy. Data security is paramount. The banking, employment, or personal information of borrowers will never be disclosed. This company has SSL (Secure Sockets Layer), which means that Paydaysay processes clients’ data, such as personal information or credit card information, with a secure connection.

The domain for this business is over two years old, which may indicate that this is a solid business with an established client base and experience in its field.

This is a handy money loan application that allows borrowers to forget about waiting in lines at conventional institutions and still receive loans. There is no loan request here, so every client can cover their cash gaps and get fast financing.

Is PayDaySay Legit?

Paydaysay’s loan services are approved by the Better Business Bureau (BBB) after being reviewed by the national consumer organization and successfully meeting all of their stringent requirements. The BBB Rating & Accreditation is A+, which means that the platform is reliable and of high quality.

Paydaysay Platform Supported

The cash money app of Paydaysay is one of the best with the above benefits and features. Users can rest and receive the cash they need directly through their smartphone or tablet, anywhere and anytime.

Paydaysay is aimed at providing high-level services with the help of modern technologies. Using it, you can forget about the queues in conventional institutions and still receive loans. You just need to download the application in the app store for Android or iPhone. It is available for free.

Customer Service at PayDaySay

As the online platform was quite successful, Paydaysay launched two payout applications. This offers a faster and more convenient application process. You can easily download them from Google Play or the App Store and enjoy the speed and convenience of credit connection services right from the smartphone.

Payday Advance app is available 24/7. Moreover, it provides additional options and flexible features to the clients. Borrowers who can’t obtain regular loan solutions can use the app or visit the company’s website and take advantage of this short-term option.

Customer service works flawlessly. You can contact the support service in the application or on the site: write a mail or write a review. Paydaysay never contacts or calls its clients.

For Which Needs PayDaySay Fits the Best?

Goods for shopping today can be quite expensive, and the average income does not allow you to buy everything you want. Or maybe you can’t wait for the next paycheck.  If you have a regular income source, but your spending has risen; lately, you can efficiently sign a contract with one of the money borrowing apps.

Like any citizen of America, you can use this 24/7 money loan app directly from your smartphone and also use the borrow feature for solving any upcoming monetary issues in short term. Banks look at your account balance and usually conduct a hard credit check. You must have a good credit score.

Otherwise, you will be prohibited from qualifying for credit solutions and borrowing money without an overdraft fee. Apps that loan money, such as Paydaysay, may perform only a soft credit check, so your credit score won’t get hurt.

What are Apps Like PayDaySay?

Paydaysay is not the only such app. It has alternatives that are no less popular, which have the same features. Brief information about three of them is presented below:

Loan app Loan amount Speed without paying a fee Fast funding fee Other fees
Earnin $100 – $500 max. 1 to 3 days $1.99 – $3.99. None.
Dave $5 – $200 Up to 3 days $1.99 – $5.99. $1 monthly membership fee.
Brigit $50 – $250 1 to 2 days None. $9.99 monthly subscription fee.

The Review Process

We have done a lot of research to select the best money loan sites for you. We were guided by strict technical standards, the time the company has been on the market, customer reviews, and experts’ assessments when making our choice. All of them have gone through a rigorous selection.

The review process took some time. We took into account what types of fees the company has, which banks it cooperates with, how quickly it processes applications, at what interest rates they give loans, and much more. After that, we compared all the options and selected Paydaysay from it. You can rely on our choice.

We have many years of studying the topic behind us; we cooperate only with the best. Our team has conducted multiple types of research, so we are fully responsible for the result.

Is PayDaySay Worth it?

PayDaySay is one of the leading credit connection services available online these days. The service allows thousands of customers to meet their urgent financial needs and solve quick cash problems. The company serves as an intermediary between the client and one of the direct lenders they cooperate with.

When applying for a loan through a form on a website or app, it is automatically assessed by a wide network of lenders. This way, the client gets a much better chance of getting approved!  Thus, the client can get a loan and not worry that he will not be able to buy the things he needs or that he will not have enough money until the next salary.

To ensure the highest level of transparency and to help you understand the basis of our evaluations, we invite you to explore our detailed review methodology


Yes, this borrow money app works with a Chime account.

Paydaysay doesn’t report payments to the major credit bureaus, so it can’t help or hurt your credit score.

Clients can often take on multiple loans as credit and background checks sometimes do not show outstanding debt, especially if loan applications are submitted in quick succession. Relying on new laws regarding payday loans, borrowers cannot take multiple loans. But it happens that applications slip through the network and go through the approval process.  The ability to trick lenders into giving you more than one payday loan at a time remains a possibility. But you should not do that. If you can not get enough money from a single payday loan, or you have a lot of unplanned expenses, other types of financing may be better suited to your needs.

No, Paydaysay may perform only a soft credit check, so your credit score won’t get hurt.

Once you achieve access to additional help, it’s your duty to return this cash advance on time. Differently, it may cost you more, as you will need to cover penalties and late charges. Services of the PaydaySay application are free. Moreover, if you refund the debt late, your credit score may get damaged and lower by several points.

The company was created by a team of enthusiasts. They help consumers fulfill their financial gaps with loans online in a transparent way. Payday Say is a loan marketplace that was established in 2013 by a team of enthusiasts.

The company works with banks such as Bank of America, M&T Bank, MetaBank, PNC Bank, US Bank, and others.

As money is paid back, it can be borrowed again in the case of an open line of credit.

Generally, a borrower may get the money within 24 to 48 hours after the payday loan request is approved.

Any transactions and operations in Paydaysay are fast. Verification takes 24 to 48 hours.

You are able to get money immediately on your bank accounts even if your credit score is bad.

The minimum amount of money that can be borrowed is $100. It is possible to get up to $1,000. So, that is the maximum. But the sum of money can be different depending on the laws of the state you apply from.

It will bring you extra fees or interest. Note that each lender has specific conditions, so you should read the lender’s policy and contact the lender with any appeared questions before making any decisions.

In order to provide fast and high-quality service to its customers, the company works seven days a week. Paydaysay works from Monday to Friday, 24 hours a day.