Moniqo is your access to quick payday loans up to $1000 USD!

Online application process takes only 2 minutes, get a loan now!

It does not matter what is your credit history, we can quickly find you a loan that best fits your needs and budget. Moniqo is partnered with industry's top direct lenders who offer the best rates for unsecured short term loans also known as payday loans online. We help you gain control over your budget and get the most affordable quick loan with no hidden fees.

Why Moniqo is your best choice:

Online Application
We made the online application form as simple as possible so it takes only 2 minutes to complete it wihtout any paperwork or faxing.
Fast Approval
We understand that urgent financial situations of our clients require urgent actions - this is why we do our best to save your time.
100% Secure!
We value the safety and privacy of all our customers. With Moniqo you can be confident that your sensitive information is secured.

How it works:

  1. Complete the application form
  2. Get contacted within minutes
  3. Follow our instructions
  4. Sign-up the loan agreement online
  5. Get money on your account


  • You are 18 years old or older
  • You are US resident
  • You have a bank account
  • You have income source
  • Valid personal ID

Payday loans explained

Payday loans are a method of borrowing small amounts of money from a money lender for a short duration of time and at a high interest rate. The money, which is borrowed needs to be repaid, within a specific period of time, like, a week, a fortnight, a month or till the next wage date.

As one of the options the borrower needs to write a post-dated check of the very same amount which was borrowed added to the interest rate and give it to the money lender.

Sometimes the money lenders wait, till the date of maturity and see whether the borrower returns to payback in cash or not. If that does not happen, the lender uses the check to refurbish the money. In case the check bounces and the lender do not get the money, the interest rate will increase with each passing day.

The advantages of quick payday loans

Payday loans in the United States can be really beneficial to those who have a limited budget, and a slight bit of extra expenditure can through them off guard. Taking a fast loan will ensure that the borrower can complete the month with ease and repay the lender once they get their salary.

Short term or payday loan is useful to students as well. Students usually get their money from their parents or they earn while working part-time. In this world, education has become really expensive. Sometimes it becomes really difficult to survive on a limited budget. Projects, field trips, feasts, annual functions etc come with added expenses. It so happens that the student does not have the money to fulfil their needs; payday loans come really handy in such a case scenario.

The borrowed money can be used to cope with financial emergencies which may pop in the middle of the month and you do have enough cash to solve the problem.

Requesting for a loan does not take forever like if you opt for one from a proper bank, your credits and past credit records are checked which can take up a lot of time. Payday loans are given on the basis of a person's current salary and sometimes even on verbal agreements.

This makes quick loans available without waiting for days.

While opting for a bank loan, you will have to present the bank officials with all your documents, which will be dug into and a long time will pass in the process. You will have to wait, for the loan to be processed; if at all the bank agrees to lend you the money.

When you should take a cash loan online

Taking a payday or short term loan means, there will be a constant burden on your shoulders, until you return every penny. So opt for taking a cash advance, only when there is no other choice.

If you really don't think you will be able to do without money, and there are some emergency errands to be run, then you should opt for such a fast payday loan.

Take payday loans only when you are sure you can return the money.

Take just enough money to last you the month, do not borrow extra or anything.