Personal loan requests$100 – $5,000Every credit type considered
Ask for what the gap needs
$100 – $5,000 · as soon as the next business day, if approved
256-bit SSLChecking your options won't affect your credit scoreFree, no obligation
- Every credit type considered
- One request reaches a whole network
- Nothing to pay for sending it
- Private, on your phone
The paycheck is spoken for before it lands.
One request for $100 – $5,000, read by a network of lenders. EasyPaychex is not a lender, and checking your options won't affect your credit score.
The pay cycle
Between this paycheck and the next, three moves.
You make the first one. Lenders make the second. The last one is yours, and it can be no.
- Today
Write it once, on your phone
Amount, contact details, how you are paid and how often. A few minutes, encrypted end to end, no branch and no paper.
- Minutes later
Lenders read it, each on its own terms
Your request reaches a network of lenders and lending partners. Each one weighs income, banking history and your state's rules in its own way.
- Next business day, if approved
Keep an offer or close the tab
If a lender makes an offer, the rate, fees and repayment dates come first. Accept it, or walk away with nothing owed.
The tide chart
The days the paycheck doesn't reach.
- Payday is the 1st. The late fee starts on the 28th.
- The gas light and the checking balance hit empty the same morning.
- Paid every two weeks. The pharmacy charges every one.
- The pay stub is right. The timing is wrong.
- The vet needed an answer before the deposit cleared.
- Everyone at work assumes you are doing fine.
If one of those lines is this week, the request is a few minutes on a phone. $100 – $5,000, sent once to a network of lenders. Some lenders fund as soon as the next business day, if approved.
Send my request
High water
The paycheck will come. The question is the days before it.
EasyPaychex puts your request in front of lenders exactly as you wrote it. Any offer arrives with its rate, fees and dates in plain view, and the next step stays yours.
Why EasyPaychex
Three things that stay the same every time.
EasyPaychex is not a lender. It carries one request to lenders who make their own decisions, and it keeps the terms where you can read them before anything is signed.
Terms land before the yes
Rate, fees and repayment dates are shown by the lender before you agree to anything. No surprises on the far side.
One form, never asked twice
You fill in one request. It travels to the network, so you are not retyping the same facts into a dozen lender sites.
A look that leaves no mark
Checking your options is a soft inquiry. It won't affect your credit score. A lender may check further only if you go ahead.
Guides
Plain answers for the week before payday.
Three short guides on the questions people ask before they send a request. No sales talk, just what a lender would expect you to know.
Paycheck advance vs payday loan
Who actually provides each one, how the cost is shaped, and when a loan request to a network fits better than either.
Read the guide →GUIDE 02What counts as income on a loan request
Biweekly pay, tips, gig deposits, benefits: what lenders can verify, what they weigh, and how to describe pay that comes in waves.
Read the guide →GUIDE 03Loan request service vs lender
What "not a lender" means in practice, who reads your request, what you are agreeing to, and what you are not.
Read the guide →Questions
The questions that come up at the kitchen table.
Is EasyPaychex a lender or a paycheck advance app?
Neither. EasyPaychex is a loan request service. It does not lend money and it is not tied to your employer or your pay. Your request goes to a network of lenders and lending partners, and any offer comes from a lender on that lender's terms.
How much can I ask for, and do I have to take the full amount?
Requests run from $100 to $5,000. A lender may offer less than you asked for or a different term. You are never required to accept an offer, and you can close the page with nothing owed.
Does sending a request leave a mark on my credit?
Checking your options won't affect your credit score. If you go ahead with a lender's offer, that lender may run a fuller credit check as part of its own process, and it will say so before you agree.
What does it cost to use EasyPaychex?
Nothing. There is no fee to send a request and no obligation afterwards. EasyPaychex is paid by lenders when it introduces a borrower, and that payment does not change the terms a lender offers you.
I'm paid every two weeks. Does that timing matter to lenders?
It can help. Many lenders look at a steady, regular deposit as much as a credit score. The request asks how often you are paid so a lender can line repayment up with your pay dates rather than against them.
How soon could money reach my account?
That is the lender's call. Some lenders fund as soon as the next business day, if approved. Cutoff times, weekends and your own bank's posting schedule can add a day, and the lender will tell you its timing before you sign.
Before you go
When you are ready, the request takes a few minutes.
$100 – $5,000, one request, a network of lenders. Free to send, and nothing to sign until you choose to.