Online Payday Loans in Vermont – How to Get Cash Today

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Every now and then, you might need some extra cash to make your paycheck stretch until payday. Maybe you were caught off guard by an unexpected bill, or some event came up that you didn’t want to miss out on.

Either way, you could use a cash advance. We’ll go over all your options for a cash advance in the state of Vermont – from payday loans to safer alternatives.

Options For Payday Loans in Vermont

A payday loan is a short-term loan for quick cash that comes with extremely high interest rates and fees.

These loans often leave borrowers paying more than they anticipated and can even trap people into a cycle of debt. For this reason, payday loans are prohibited in the state of Vermont. Still, there are many lenders that manage to get around state regulations.

Random Online Lender

There are some lenders that operate solely online. These loans are similar to payday loans in that they come with high interest rates that can make them difficult to pay back.

Borrowers can easily risk turning a small loan into thousands of dollars owed and falling into a cycle of debt. Depending on the lender, some may have credit score requirements. Here are some general requirements:


  • You have to be at least 18 years old 
  • U.S. citizen or permanent resident 
  • You will need to show proof of regular income
  • Have an active bank account
  • Some lenders may have minimal income requirements

In-Person Lender

Some lenders may continue to operate despite breaking state laws. Other times, lenders may appear legitimate but actually be outright scams. These types of scams may ask you for payments up front, your personal information, and charge you excessive fees. They have the potential to wreak havoc on your finances and use your personal information for their gain.

Payday Loan Alternatives in Vermont

Payday loans are illegal in Vermont, but there are ways to access fair cash advances and loans – even if you have little to no credit history. Check out these safer alternatives. 


Instacash is a cash advance offered by MoneyLion. It’s available to use whenever you need extra cash. Funds will deposit into your account instantly when you use the MoneyLion app. There is no credit requirement and using Instacash doesn’t affect your credit score. The best part? Cash advances come with 0% APR. That’s right.

Get up to $250 in extra cash the same day and access money from your paycheck anytime you need it. 

Get Instacash now!

Credit Builder Loans

A great way to get a larger loan and build up your credit at the same time is by taking out a Credit Builder Loan. A Credit Builder Loan is designed to help you build up your credit score. Because on-time payments make up 30% or more of your overall credit score, MoneyLion will set you up with automatic payments so you will never fall behind, and we’ll report your payments to all three credit bureaus to build your history.

With a MoneyLion Credit Builder Plus account, you can borrow up to $1,000 with a competitive APR. You don’t need any credit history to qualify and your funds will be instantly deposited into your bank account with the MoneyLion app. Never wait to access your funds again.

Apply for a Credit Builder Loan

InstacashCredit Builder Loan
How Much Can You Borrow?$250$1,000
Fees & Interest0% APRCompetitive  APR, $19.99/month fee
Impacts Your Credit?NoYes, it builds your credit score. 
AvailabilityOnline & MobileOnline & Mobile
Wait TimeInstantly*Instantly
Next StepsSign UpSign Up

*24-48 hours to receive your advance at 0 cost. $3.99 for instant deposit to your MoneyLion bank account, $4.99 to instantly deposit to an alternative bank account.

Don’t Settle, Choose MoneyLion

Even though payday loans are banned in Vermont, there are still a host of other predatory lenders. These loans can potentially damage your credit score, seize your property, and leave you paying a lot more than you initially expected. You don’t need to settle for any of these dangerous loans – there are better options available.

If you need a zero-interest cash advance instantly or want to build up your credit with a loan up to $1000, MoneyLion can help. Opening an account with MoneyLion will bring you services and tools that will improve your overall financial outlook – from loans to investing.

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Get cash fast, pay no interest

Enjoy Instacash advances up to $250. No credit check, no monthly fee, no interest. Just cash.

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