GoodFriend Loans · Payday · Installment · Personal · Title · $100–$35,000

GoodFriend Loans — Online Payday, Installment, Personal & Title Loans

GoodFriend Loans matches you with licensed online lenders in about two minutes: payday loans and cash advances ($100–$1,000), installment loans ($1,000–$5,000), personal loans (up to $35,000), and title loans. And it shows you first what short-term borrowing may legally cost in your state — the cap, the maximum fee, the term.

  • State-capped fees shown on every page — no surprise pricing
  • Bad credit considered: decisions are based on your paycheck
  • Same-day funding when you apply before the cutoff
🔒 256-bit SSL 🏦 Licensed lenders only 🆓 Free to apply — no upfront fees

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✓ No credit check to see offers • ✓ 2 minutes • ✓ SSL secure

By continuing you agree to the Privacy Policy and Terms of Use. APR 35.99%–359.99% varies by state and loan term. Not all applicants qualify.

What you can use GoodFriend Loans for

A short-term loan is a tool for a specific, urgent expense — here is what borrowers in our network use it for most.

  • Emergency Loans

    Rent, utilities, an urgent bill that can’t wait for the next paycheck — cash in hand by tomorrow.

  • Car Repair Loans

    Get back on the road now — a dead transmission can’t wait two weeks, your repayment can.

  • Debt Consolidation

    Fold several costly small debts into one predictable monthly installment payment.

  • Home Improvement

    Urgent fixes and replacements — a broken water heater doesn’t schedule itself around savings.

  • Medical Loans

    Copays, prescriptions, dental work your insurance doesn’t fully cover.

  • Short-term loan solutions

    Bridge a two-week gap with a payday loan, or spread $1,000–$5,000 over months with an installment loan.

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Why choose GoodFriend Loans?

Built to make a stressful errand simple: transparent numbers, licensed lenders, and a form you can finish before your coffee gets cold.

  • Convenience of online application 24/7 Start from your phone at midnight or on a lunch break — no branch visits, no paperwork.
  • Suitable for any emergency expenses Car repairs, medical bills, rent, utilities — if it’s urgent and temporary, it fits.
  • Available for borrowers with bad credit or no credit Decisions are based on your income, not just your score.
  • Competitive rates with no hidden fees The fee or APR is shown before you accept anything — no surprises in the contract.
  • Easy loan processing One short form, decisions in minutes, funding as fast as the same business day.
  • Simple basic eligibility criteria 18+, steady income, active checking account, US resident — most applicants meet them.
  • Personalized repayment schedule with flexible terms Repay on your next payday or spread payments over months — matched to your budget.

Choose your state

All 38 states

Popular amounts: $255 · $300 · $500 · $1,000 — or browse all loan sizes.

How it works

  1. 1

    Pick your city

    Every city page shows your state's loan cap, maximum fee, and repayment term — the numbers the law lets a lender charge you.

  2. 2

    Check offers in 2 minutes

    One short form reaches several licensed lenders. Decisions are based on income, so credit scores matter far less than a steady paycheck.

  3. 3

    Get funded

    Beat the daily cutoff and the cash can land the same business day; otherwise it arrives the next morning. Repay on your payday, done.

What the data says (our read of all 38 statutes)

Computed from state lending laws — checked November 2026.

38states where payday lending is legal $496average state loan cap $30 cheapest legal fee on $300 (Florida) $225 priciest legal fee on $300 (Missouri)

Same $300 borrowed, up to difference in legal fees depending on the state line — that's why every page here shows your state's numbers, not a national average.

Four ways to borrow with GoodFriend Loans

Payday loans

$100–$1,000. One fee, repaid in a single lump on your next payday (14–31 days). Best for a one-paycheck gap.

Cost: typically $15–$30 per $100, capped by state law.

Installment loans

$1,000–$5,000. Bigger emergencies spread over 6–24 months of fixed monthly payments. Structured, predictable.

Cost: APR typically 36%–200% depending on state and profile.

Personal loans

$1,000–$35,000. Larger amounts and longer terms, matched by the same one-form process.

Cost: APR varies by lender, term, and profile — shown before you accept.

Title loans

Cash against your car title. You keep driving the car; the title secures the loan.

Risk: repossession if you default — read the honest guide first.

Living in a state where payday lending is banned? Tribal lenders aren't bound by state caps — see the tribal loans guide.

GoodFriend Loans: the short answers

What is GoodFriend Loans?

GoodFriend Loans is a free online service that does two things: it shows you the legal cost of short-term borrowing in your state (caps, maximum fees, terms, computed from statutes), and it matches you with licensed online lenders offering payday loans up to $1,000, installment loans up to $5,000, and personal loans up to $35,000. We are not a lender — checking offers is free and never affects your credit score.

How much can I borrow with a payday loan?

It depends on your state, not on the website. State caps in our guide range from $300 to $1,000, and a few states set no fixed dollar cap at all. Every state and city page shows the exact legal ceiling.

What will a payday loan cost me?

In most states the fee is capped between $10 and $30 per $100 borrowed for a two-week loan. That is why a $300 loan costs about $45 in a 15% state. Where a state sets no fixed fee, lenders price by the market — our tables flag those states clearly.

Can I get a GoodFriend loan with bad credit?

Yes, in states where payday lending is legal. Lenders in our network approve against your paycheck and checking account, not your credit score. Some run a soft inquiry, which does not affect your score.

How fast does the money arrive?

Applications approved before the lender's daily cutoff can be funded the same business day; otherwise, the next business day. Weekend applications fund on Monday.

Is my state covered?

We cover the 38 states where payday lending is legal, with local pages for more than 1434 cities. If your state bans payday loans, its page explains the legal alternatives instead.

Get Online Loans with GoodFriend Loans

Every figure on this page is the legal ceiling computed from state law — the most a licensed lender may charge you. GoodFriend Loans matches you with licensed lenders and shows the cost before you commit.

Start with GoodFriend Loans →

Payday Loan Calculator

The legal ceiling computed from state statute — the most a licensed lender may charge. It is the law, not a quote.

Disclosure. GoodFriend Loans is not a lender, not a broker, and does not make credit decisions. Rates and terms are set by third-party lenders and depend on state law and the lender's underwriting; short-term loans carry APRs that may range from 35.99% to 359.99%. A payday loan is a short-term tool for a temporary cash gap — it is not a solution for long-term debt problems. Late or missed payments may result in additional fees and collection activity. Check your lender's license with your state regulator before you sign.

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