1st rate experience

"I've taken out payday loans for years. I was delighted to learn about YadYap and their innovative ideas around online payday loans. My experience with them was 1st rate, and I would recommend them to anyone considering an online payday loan."

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Cash Loans

At YadYap, we've redefined the cash advance process. We give you access to a marketplace of YadYap lenders who will compete to give you the lowest rate possible. You tell us how much you need and when your next two payday’s are, then sign a payday cash loan agreement with YadYap at pre-set agreed-upon rate. Then multiple peer lenders can bid on your quick cash loan in a 24 hour auction. If your rate is bid lower than the original rate you will agree to a new loan terms and when it is time to pay the money back you will pay less. Your rate will never be higher than the rate first agreed upon and set forth in the loan agreement.

Everyone finds themselves in a tight spot now and then. YadYap is creating a new way to help you out of the tight spot you are in, and we are doing it in a way that has never been done before.

Follow the easy steps listed below to create your profile and invite lenders to bid on your cash loans. You'll know immediately if your instant cash loan is approved and you qualify to post it to the marketplace. Once posted, YadYap lenders will begin competing for your business. The auction lasts a maximum of 24 hours which means about the same time you get your money you will also know how much lower your new rate is.

5 Steps to YadYap online cash loans:

  1. Set up a free account with YadYap: This easy one time process carries no obligation.
  2. Apply for a loan, and sign the original loan agreement. Your loan will then be sent to the YadYap Marketplace: This is where you invite peers to bid on your fast cash loan. You can keep your request confidential or reveal as many details about your reason for the loan as you like.
  3. Before your loan is accepted and a contract is signed, YadYap verifies all personal information through third party credit agencies. You'll receive prompt email notification of your loan approval or denial.
  4. Watch YadYap lenders bid on your loan and lower your interest rate!
  5. Pay your loan back on time. When you do, your YadYap Score gets better and you'll find you may get lower interest rates on future cash advances through YadYap.
Apply for a YadYap Loan:

YadYap is the best way to get a short term loan. If you are approved you will sign a standard rate loan agreement and the money will be sent to your bank account immediately. Then, your loan will be sent to the YadYap marketplace for peer lenders to bid down your payback rate. Your loan rate will never increase. You pay back the lowest interest rate!

Use the slider to tell us how much you need and your next two pay dates:

My next Payday: Payday After Next:
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