Get Fast Three Month Payday Loans Online

  • 1

    Decide on the necessary loan amount

    Think carefully how much money you need so that it helped you to solve your urgent financial problems and at the same time it was affordable for your budget.

  • 2

    Fill out a simple application form online

    State the amount you need as well as your e-mail address. It's necessary to find you a suitable lender. Be sure your data will be safe and secure.

  • 3

    Get an instant approval decision from a lender

    As soon as you've requested a loan, you'll be matched with the best lender providing such cash advance at the lowest rates and most affordable terms.

  • 4

    Receive the cash into your account within 24 hours

    In case you are approved, and you're most likely to be, the money will be deposited into your bank account within 1 - 2 business days, or even same day if you apply as soon as possible.

Get your loan ONLINE

  • Compare rates and terms
  • Avoid visiting multiple banks and storefronts
  • Apply directly on a lender’s website
  • Get a guaranteed instant decision
  • All the money transactions are done online quick and easy

Author: Andrew Williams

Need a guaranteed instant cash advance with 3 months repayment terms? Apply online to get same day funding and convenient repayment in scheduled installments.

3 month payday loans

What are 3 Month Payday Loans?

3-month payday loans are short term cash advances that are hard to get from a traditional bank. Though usually Payday Loans are borrowed till your next payday, there are lenders offering longer repayment terms up to 3 months. It makes Payday cash advance more affordable and convenient.

However, it’s necessary to keep in mind that short-term Payday advance loans go with high fees and very high-interest rates. Besides, check out if Payday Loans are legal in your state. Some governments prohibit short-term credit, some – put certain usury caps on interest rates.

3-month payday loans are defined by three-month repayment terms. Find out if your state imposes any limits on Payday loan terms. In case, you are not allowed to get 3-month loans but you can’t repay it within 14 – 30 days, you may apply for rollovers or extension plans. But be careful to plan a budget so that you repaid the money without too much debt.

80% of 3-month payday loan borrowers end up taking rollovers according to the Consumer Financial Protection Bureau. It can make payday cash advance loans more expensive than expected.

How do 3 Month Payday Loans Work?

Three-month Payday loans differ from traditional online payday loans only by a longer repayment period. Direct lenders offer 3 months to repay the principal of the loan together with the interest rates and fees. And you needn’t bother about the time of paying the money back

You can apply for a $100 loan, $700 loan, $1,000 loan online, and request a three-month repayment term.

You’d better do significant research to find the best 3-month Payday Loan direct lender for your bad credit online Payday loan. Many of Payday loan lending companies provide both in-store and online services. You can choose any necessary 3-month Payday Loan amount from $100 to $1,000. If you borrow a Payday Loan for 3 months in a store near you, you can get the cash the same day, even within an hour. If you apply online, you’ll get a direct Payday Loan deposit into your bank account within 1 – 2 working days.

Apply for Three Month Payday Loans online

1. To get 3-month Payday Loans online start with filling out an application form, and provide the following documents to prove your personal and financial information:

  1. A recent pay stub or other proof for income.
  2. State-issued ID.
  3. Bank account and routing number.
  4. Social security number.

2. After you submit a 3-month Payday Loan request online, a lender will process and verify your information within a few minutes.

3. If approved, you are guaranteed to get the cash advance same day, or maximum within a couple of days.

4. Repay the loan within 3 months in convenient installments.

Apply now

Am I eligible for a 3-month payday loan?

The basic requirements for three months Payday Loans are:

  • At least 18 years of age
  • US permanent residence
  • An active bank account
  • A steady job or source of income

3-Month Payday Loans for Bad Credit

If you have a poor credit score and need emergency cash advance with 3 months repayment term., don’t worry about your credit history or low score. Most direct lenders will approve you for three-month Payday Loans online even with bad credit.

Read more: Bad Credit Payday Loans

What you should know about 3-Month Payday Loans

  • At first, check, if you qualify for 3-month Payday loans online.
  • Study the state’s Payday Loans laws and regulations. You may not be able to take out 3-month Payday Loans if the state limits loan terms.
  • Compare the rates and fees as they may be more expensive than for traditional Payday loans.
  • Good for you – 3-month Payday Loans are available for bad credit and no credit.
  • Even if 3 months is not enough to repay the loan, you may apply for further installments.
  • If you need a 3-month Payday Loan fast, it’s a great option. Direct lenders promise instant approval and same day money deposit.

Pros and Cons of 3-Month Payday Loans


  • You get instant guaranteed apзroval for 3-month Payday Loans online.If you’re applying for a 3 month Payday loan near you, all the process will take several minutes. Online Loan deposit will provide same day funding.
  • 3-Month Payday Loans are highly available for bad credit, poor credit or low credit.
  • You can apply for 3-Month Payday Loans online or in a store near your location.


  • 3-Month Payday Loans are more expensive than traditional loans as they charge higher
  • Automatic loan repayment may turn out to be an advantage and disadvantage. It’s convenient if you can repay the loan back on time, but if you have not enough funds on your bank account, it may lead to NSF fees.
  • Rist of scams and illegal

How much do 3-month payday loans cost?

Short-term 3-month Payday loans are associated with high-interest rates and expensive prices. Many short-term Payday advance loans come with average APRs of 400%. However, in some states, there’re interest rates limits imposed by the state.

To take out a three-month Payday loan at reasonable rates compare the best direct lenders online. You must be able to find the company offering 3-month Payday Loans with the APR from 5.99% to 35.99%.

Apply now

How to choose the best 3-month Payday loan?

Compare direct lenders offering 3 Month Payday Loans before applying for it. For it you need to find answers to these questions:

  • Are 3-Month Payday Loans legal in my state?
  • What are interest rates, and fees for 3-Month Payday Loans?
  • Can I qualify for a three-month Payday Laon with bad credit?
  • What repayment schedule is suitable for you?
  • How fast do you need the money?
  • Can you afford to repay the loan on time?

If you have answered all the questions and the answers suit you, start filling out an application form online right now and get the necessary 3 Month Payday Loan today.