Days Loan Reviews

The Good, the Bad, and the Real: Days Loan Reviews

If you’re looking for information on payday loans, you’ll likely come across Days Loan Reviews. They advertise as direct lenders that provide fast cash advances and online payday loans even if you have bad credit. But do they have the legitimacy, or are they just another predatory lender? So, let’s discuss it through day loan reviews by real customers.

I did some research on Days Loan to provide you with the actual cost of their loans. inspected their website, read several customer reviews, and gathered all the specifics about their rates and fees. Let’s dig deeper into the article!

Days Loan and What They Offer

Days Loan Reviews is an online lending platform that claims to offer loans that can be fast and convenient for those in need. The application process and user-friendly interface enable borrowers to secure the funds they need in a timely manner.

Many states set a limit on payday loan size, which means day loans are for small amounts. The limit for loans is usually $500, but there are limits that range above and below this amount. Payday loans may be available through both storefront payday lenders and online, depending on your state’s laws.

The borrower usually pays off their payday loan in one payment on their next payday or if income is received from a different source, such as a pension or Social Security. The deadline for repayment is usually two to four weeks after the loan is made. The payday loan agreement defines the due date.

Also Read: Coffee Break Loans Review: Coffee Break Loans Safe?

What Are Days Loan’s Interest Rates

  • Interest rates: Depending on your state, the APR ranges from 150% to over 700%
  • Origination fees: Up to a maximum of 10% of the loan amount
  • Late fees: A 5-day grace period can result in up to $30
  • NSF fees: If automatic payment fails, the amount will be up to $25

According to Days Loan Reviews, their terms are more flexible compared to other payday lenders. In fact, their interest rates are just as high as those of other predatory lenders.

What’s the Best Way to Get Approved by Days Loan?

Days Loan ensures that the approval process is expedited. The following advice can enhance your chances:

  • Ensure that you have a current bank account and a steady source of income.
  • On weekdays, make sure to submit your application at the beginning of the day.
  • Gather the necessary identification, bank account details, and references.
  • When it comes to taking out a loan for the first time, begin with a small amount.
  • Arrange repayments when you receive your paycheck or shortly thereafter.

If your income is consistent, you can still be approved even if you have bad credit. But be careful. Their fast approval may entice you to take out more loans than you can afford.

What is the Maximum Loan Amount?

Days Loan Reviews maximum cash borrower is limited to $50 to $2,000, depending on your state and income level. Here’s a quick glance:

CaliforniaUp to $300
IdahoUp to $1000
IllinoisUp to $1250
FloridaUp to $500
IndianaUp to $550
KansasUp to $500
MissouriUp to $500

The limits are determined by the laws in each state that govern payday loans. Even with approval, a day loan is legally not permitted to lend you more than the limit established by your state. It’s important to have this information before applying!

 Is Days loan legit?

Though they are a legitimate direct payday lender, their astronomical high-interest rates make it an absolute last resort to apply for loans. The actual costs are not shown by them in a transparent manner.

The approval process for loans is quick, and the money arrives in a timely manner. But you have to pay for it with short repayment terms, expensive fees, and punitive collection practices.

Using a day loan is only appropriate if you have exhausted all other low-cost borrowing methods and have a clear plan to repay it promptly. It is important to avoid predatory loans.

Also Read: How Can you Reduce your Total Loan Cost?

Days of Loan Reviews

Let’s have a look at reviews from real customers who have used this day loan. I gathered reviews from all over the web; here are some common ones. 

“This loan’s interest rate is too high. Days Loan has caused me great regret and I will advise everyone I know to steer clear of them.”

“The approval process was effortless, but the fees were beyond my expectations. It was difficult for me to make timely repayments.”

They deposited money quickly, which I needed. But When my payment failed, they were constantly calling me to collect.

Deception regarding rates and repayment terms is something that many customers complain about. Before taking out a loan, make sure you read the fine print and have a repayment plan.

Pros and Cons of a Day Loan

As per my research, Days Loan Reviews have the following major pros and cons.


  • Decisions on online applications and approvals are made quickly
  • There is no intermediary involved with a direct lender
  • Doesn’t verify major credit agencies
  • Quickly transfer funds to your bank account
  • Account management can be done through an online dashboard.


  • There are high-interest rates and fees.
  • The repayment terms are short, and only a single lump sum is required
  • Your bank account will be hit with a strong impact on the payback date.
  • There are no discounts for early repayment
  • The rates and fees are not transparent
  • Not available in all states

Small loan Amounts are Available

Days Loan Reviews

To borrow from certain personal loan lenders, you must have at least $1,000 or more as part of their higher loan minimums. Day Loans has installment loans available for amounts between $200 and $5,000, which means you can borrow only what you require. (The amount of money first-time borrowers can qualify for is limited to $1,500.)

What Happens If You Default on a Days Loan?

Days Loan Reviews does not receive good reviews for revolving loans, just like any other lender. Not making timely payments can lead to the following:

  • Late payment expenses are causing your balance to decrease.
  • The rate is raised to the maximum allowed by the state.
  • You will receive intimidating phone calls and texts from Days Loan Recovery.
  • Concerns about wages and the possibility of legal action.
  • There has been a significant loss of both your ChexSystems rating and credit standing.

As far as I am concerned, it’s best to avoid payday lenders like Days Loan unless you’ve tried out other cheaper options.

Bottom Line Days Loan Reviews

We went through a lot of ground here by breaking down Days Loan from beginning to end. Days Loan is legitimate, but their loans should only be used as a last resort because of their ridiculous rates.

It’s important to borrow only the amount you can afford to repay in your next paycheck. To prevent the endless debt cycle, it is important to develop a solid early repayment or exit strategy and also take a serious look at any other options that are cheaper before making a decision!

I hope that this in-depth analysis of Days Loan has been beneficial for you. Be smart when it comes to options, compare them, and borrow responsibly.



Hello, my name is Jennifer, and I’m a freelance writer.
Having worked in finance for the last 7 years, I founded, a blog that provides expert advice and insights on loan finance. I create high-quality content to promote financial literacy and consumer rights.

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