PayDaySay review

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

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Our verdict

PayDaySay is a US marketplace that puts your application in front of partner lenders, which suits adults with a thin credit file who need a small amount quickly. Loans run $100 to $5,000 on an APR of 200% to 2,290%, so borrow the smallest sum and clear it on the next payday.

Key facts

Best for
Borrowers with poor credit bridging a bill until the next payday.
APR
200% to 2,290% (Source, checked September 26, 2026)
Loan amount
$100 to $5,000 (Source, checked September 26, 2026)
Term
1 month (Source, checked September 26, 2026)
Arrangement fee
0 USD (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Money within one business day (Source, checked September 26, 2026)
Representative example
Sample APR range creditors might offer: 200% to 2,290% (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
Steady income, at least 18 years old, a valid bank account, and residing in a state where PaydaySay operates (Source, checked September 26, 2026)
Loan types
Personal, Payday, Debt-consolidation, Cash-advance, Guarantor (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
PayDaySay LLC (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Official website
paydaysay.com

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • The origination fee is 0 USD on the loans it arranges, so setting one up adds no listed charge.
  • Checking options uses a soft prequalification, listed as soft prequal, so you can look before a full credit search.
  • Speed is a real strength, with Money within one business day once a partner lender approves.
  • Amounts run $100 to $5,000, which covers a single bill or repair rather than a large project.

Cons

  • The rate range is steep at 200% to 2,290%, far above the 12% median across these listings.
  • Support runs on help centre only, so there is no phone or live chat route listed.
  • Repayment is compressed, with a listed term of 1, so the balance comes back out of the next pay cycle.
PayDaySay

Ready to try PayDaySay?

Scored 8.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults with poor credit living in a state where PayDaySay operates, with steady income and a valid bank account.
  • Anyone who can clear the balance on the next payday and does not want to wait for a longer loan.
  • Readers who would rather see whether offers exist before agreeing to a full credit search.

Who should look elsewhere

  • Monzo Flex, at 10% to 23%, is a better fit if your credit is stronger and you want a cheaper rate.
  • Cashspace, at PHP 12 to PHP 36, serves a different market, so it suits readers shopping outside the US.
  • Cashspace ES, listed at 0%, also sits in another market, making it a comparison rather than a substitute for a US applicant.

How PayDaySay compares

Where PayDaySay is available

Available
United States

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

Frequently asked questions

How is the rate on a PayDaySay loan worked out?+

The rate is set by the partner lender rather than by PayDaySay, and the sample APR range creditors might offer is Sample APR range creditors might offer: 200% to 2,290%. The published range is 200% to 2,290%, so the exact figure depends on which lender responds to your application.

Is there a fee for taking out a PayDaySay loan?+

The origination fee is listed at 0 USD, so there is no listed charge for setting the loan up. The cost sits in the interest you pay on the amount borrowed, which runs $100 to $5,000.

How long do I have to repay the money?+

Repayment is short, with a listed term of 1. Because personal, payday and debt consolidation include payday and cash advance products, many borrowers settle the balance out of the following payday rather than over years.

How quickly does the money arrive?+

Funding is quick: Money within one business day. The application runs through a partner lender, so timing depends on how fast that creditor approves and sends the payment to your bank account, which suits a bill that cannot wait.

Will applying to PayDaySay hurt my credit?+

The check is a soft prequalification, listed as soft prequal, which lets you see whether offers exist before agreeing to a full credit search. The credit level targeted is poor, so the service is built for borrowers other lenders turn down.

Who can apply to PayDaySay?+

You need steady income, a minimum age, a valid bank account, and to live in a state where PayDaySay operates. The service is aimed at people with poor credit, and it works through a marketplace of partner lenders.

What kinds of loan does PayDaySay arrange?+

The range covers personal, payday and debt consolidation, and home improvement is the stated use case. Not every lender on the marketplace offers every type, so the mix you see depends on which creditors respond to your application.

How do I get help from PayDaySay?+

Support runs through help centre only, so there is no phone or live chat route listed. Questions about an offer are handled in the help centre, which suits readers comfortable reading replies.

Who lends the money through PayDaySay?+

PayDaySay is run as PayDaySay LLC in the US and has been trading since 2013. As a marketplace, it passes offers to partner lenders, so the terms on any accepted loan come from the creditor rather than the site you applied through.

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

Borrowers with poor credit bridging a bill until the next payday.

8.2/10See alternatives

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