Get Started
man holding sign about tips for avoiding debt

Avoid Debt By Paying Your Bills With The Help Of A Payday Loan 

The New Year isn't a time to start paying bills late or avoiding them altogether. Yet, many do just that because of the money they’ve spent during the holidays. So, if you find yourself in a tough spot after Christmas, don’t worry—there are options for those who need to pay an urgent expense like a utility bill or medical bill.

These bills are important and require on-time payments to avoid shut-offs or the refusal of a doctor's visit due to non-payment. You may also have other urgent bills that need attention or an unexpected situation like a car repair. Any of these can start the new year off on a bad note, but it doesn't have to. You can get a payday loan to help with paying bills on time.

Benefits Of A Payday Loan

Payday loans offer several distinct benefits over other lending options, making them a helpful solution for filling financial gaps between paychecks.

person looking at bills with text Avoid Debt By Paying Your Bills With The Help Of A Payday Loan

1. It Is An Unsecured Loan

This means you don't have to put up collateral to get approved. The primary requirement for these loans is proof of income. If you have a job, you stand a great chance of getting the money you need. This option is suitable for those who rent, are still paying on a car, or don't have a valuable asset to secure a loan.

2. Past Credit Doesn't Matter

Many payday lenders don't check your credit. Your job is your credit! They don't report your payday loan to the three major credit bureaus either. This means those with bad or no credit can still seek out these types of loans, although approval isn't guaranteed. Additionally, you won't see a drop in your credit score.

3. It Helps To Bridge The Gap In Pay

Sometimes those who get paid weekly have more week than money. They need food or gas to get to work. Those who get paid monthly or bi-monthly can experience serious cash setbacks in the last few days before payday. A payday loan can bridge those financial gaps until you receive your next paycheck.

4. The Options Of Use Can Vary

Payday loans are a short-term financial option with flexible usage. You can use the money to fix a car, buy prescription drugs, cover medical expenses, or buy gas to get to work.

5. You Get Money Fast

Banks and other financial institutions can take weeks or more to approve your loan and send you money, especially around the holidays or early in the New Year. Payday loans, on the other hand, can be processed in as little as 30 minutes, with a decision made while you wait. You can get your money either the same day or the following business day. That's fast! Getting money quickly can also bring you peace of mind.

man with payday loan cash fanned out in hands

Finding A Private Lender

Private lenders for payday loans are widespread, so finding a good one can take time and research. Fortunately, you don't have to do that because Title and Payday Loans already does it for you. They connect borrowers with licensed private lenders from across the country who are ready to serve you.

The payday lenders in their network offer a maximum of $1,200 payday loans and require only three basic requirements to qualify: a driver's license or state-issued ID, your most recent pay stub, and a blank check from an active checking account that lists you as an account holder.

Many of these lenders let you pick the payment day according to your paycheck. They also listen to you and answer your questions. All are licensed and reputable in your state.

How To Get Started

You can talk to a payday loan lender in your area by filling out the inquiry form online at Once you submit the form, it will be sent to a lender near you. A loan representative will contact you shortly to explain their services and the loan process and set up a meeting.

When you arrive at the meeting, a loan representative will validate your information and required documents and guide you through the easy paperwork. A decision will be made while you wait, and the entire process can be completed in as little as 30 minutes! Approved applicants will get their money quickly, either the same day or the following business day.

Send In The Form

Submit the form on and talk to a lender today. You’ll never know if they can help until you ask. A payday loan can provide the financial assistance you need to pay a necessary bill and start the New Year on a positive note! Fill out the form today!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.

Fast money icon

Qualify for a Title Loan or Payday Loan Today!

You can be approved for title loans or payday loans in as little as 30 minutes! After approval, our licensed vendors will arrange for you to get your money—up to $1,100 for payday loans or $15,000 for title loans. Fill out the simple, free online form now, and we will get you in touch with a lender's loan store near you to complete the process. Qualify and get the fast cash you need for emergency expenses as soon as today!