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PayDaySay review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

PayDaySay is a US loan marketplace built for short cover rather than long borrowing, and it suits adults with poor credit who need Money within one business day. Loan amounts run $100 to $5,000, so it suits a small emergency sum more than a major purchase. Interest sits at an APR of 200% to 2,290%.

Key facts

Best for
Short term US loans for adults with poor credit who need a small sum cleared quickly.
APR
200% to 2,290%↗
Loan amount
$100 to $5,000↗
Term
1 month↗
Arrangement fee
0 USD↗
Credit check
Soft prequal↗
Funding time
Money within one business day↗
Representative example
Sample APR range creditors might offer: 200% to 2,290%↗
Lender type
Marketplace↗
Eligibility
Steady income, at least 18 years old, a valid bank account, and residing in a state where PaydaySay operates↗
Loan types
Personal, Payday, Debt-consolidation, Cash-advance, Guarantor↗
Credit needed
Poor↗
Use cases
Home-improvement↗
Legal entity
PayDaySay LLC↗
Headquarters
United States↗
Founded
2013↗
Support channels
Help-centre↗
Official website
paydaysay.com

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • The origination fee is 0 USD, so there is no setup charge on the personal, payday and debt consolidation offered.
  • Checks are soft prequalification, soft prequal, which fits the poor credit band at poor.
  • Speed is the main draw, with Money within one business day on approval.
  • A marketplace that has run since 2013, covering personal, payday and debt consolidation for US borrowers.

Cons

  • The cost can be severe: the published example is Sample APR range creditors might offer: 200% to 2,290%, so the top of the range dwarfs most lending.
  • Support runs on help centre only, with a help centre the sole channel listed.
  • Terms are very short at 1, so the balance is cleared fast but the repayment bites hard.
PayDaySay

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Scored 8.3 / 10 by SumCue.

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Who it suits

  • Adults with steady income, a valid bank account and a minimum age who live in a state where PayDaySay operates.
  • Borrowers who can clear the balance inside 1 and who read the rate before accepting.
  • People covering home improvement work who need $100 to $5,000 without a long instalment plan.

Who should look elsewhere

  • Not Creduma ES for larger sums: from €12,000 starts where the $100 to $5,000 ceiling here stops.
  • Not Sofkredit when cost is the priority: 10.74% to 18.06% is a small fraction of 200% to 2,290%.
  • Not Cashspace on a straight rate comparison: PHP 12 to PHP 36 belongs to a different market and sits far below 200% to 2,290%.

How PayDaySay compares

Where PayDaySay is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a PayDaySay loan cost?+

The origination fee is 0 USD, so interest is the main cost. Creditors on the marketplace can charge an APR of 200% to 2,290%, and the example given is Sample APR range creditors might offer: 200% to 2,290%. Read the rate on any offer before accepting it.

Who can apply to PayDaySay?+

You need steady income, a valid bank account and a minimum age, and you must live in a state where PayDaySay operates. Applicants sit in the poor credit band at poor, so a thin credit history does not rule you out.

How heavy is the credit check?+

The check is soft prequalification, listed as soft prequal, a lighter touch than a full credit check. Assessment targets the poor credit band at poor, so borrowers with a thin file are the intended customers.

How much can I borrow and over what term?+

Loan amounts run $100 to $5,000, with terms as short as 1. That points to a small sum cleared quickly rather than a long instalment plan. Borrowers funding home improvement work are the main group.

How quickly do I get the money?+

Funding is Money within one business day, so an approved application can clear fast. The marketplace side means each lender sets the timing of an offer. Applicants must live in a state where PayDaySay operates.

What kinds of loan are on offer?+

The range covers personal, payday and debt consolidation. Debt consolidation and cash advance sit alongside the shorter payday products, and home improvement work is the stated use. Because the platform is a marketplace, terms differ between lenders.

How do I get help from PayDaySay?+

Support runs on help centre, and that is the only channel listed, so questions go through written answers rather than a phone line. Keep your lender details handy, because the marketplace lender sets its own terms.

Who is behind PayDaySay?+

PayDaySay is a US marketplace run by PayDaySay LLC, trading from US and operating since 2013. It matches applicants with lenders rather than funding loans itself, which explains the wide spread in 200% to 2,290%.

Sources

  • paydaysay.com checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Headquarters, Legal entity, Use cases

    “Using the PayDaySay app, you may get from $100 to $5,000”

  • paydaysay.com/about checked September 26, 2026

    Backs: Founded, Lender type

    “Payday Say is a loan marketplace that was established in 2013 by a team of enthusiasts”

  • paydaysay.com/faq checked September 26, 2026

    Backs: Support channels

    “Frequently Asked Questions”

  • paydaysay.com/how-it-works checked September 26, 2026

    Backs: Funding time

    “Get the money within one business day”

  • paydaysay.com/personal-loans checked September 26, 2026

    Backs: Loan types

    “Debt consolidation loans”

  • paydaysay.com/rates-and-fees checked September 26, 2026

    Backs: APR, Arrangement fee, Representative example

    “we can offer a sample range that creditors might offer - from 200% to 2,290%”

  • paydaysay.com/what-are-the-best-online-payday-loans checked September 26, 2026

    Backs: Term

    “A payday loan is a small amount of money ($100 - $5,000) that must be paid back within a month”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

PayDaySay

PayDaySay

Short term US loans for adults with poor credit who need a small sum cleared quickly.

8.3/10See alternatives