An idea whose time has come
"Getting a payday cash loan from another person is an idea whose time has come. I'm surprised no one has thought of this before! My favorite thing about peer to peer lending is how it connects people to other people, rather than some big mysterious institution. YadYap seems like a company that is trying to put the payday loan industry into the hands of the people, which ensures that payday loan interest rates will be determined by fair market rates - an awesome idea, especially given the history of online pay day loans."
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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!