NorthWestern Financial Review

Second Chance Payday Loans

Second Chance Payday Loans Overall rating: ★★★☆☆ 3.2 based on 14 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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Second Chance Payday Loans logo

Second Chance Payday Loans is a lending company that was established to help you get the best payday loan offer possible from a direct lender in Florida. By completing a straightforward application procedure, you can get access to multiple loan offers from reputable lenders in Florida. You don’t need to worry about your poor credit score. Bad credit is not an obstacle to getting approved for a loan.

Company name Second Chance Payday Loans
Founded Unknown
Address 6520 US Hwy 41, West Miami, FL 33144
Phone number
(786) 442-2592

Second Chance Payday Loans site


  • Bad credit is OK
  • Get money within 24 hours
  • Quick and straightforward application process
  • Apply online
  • Wide network of lenders


  • Limited loan options
  • Not a direct lender
  • Potentially high rates
  • Limited user reviews
  • Serves only Florida residents

Bottom line

Second Chance Payday Loans can be a possible option to consider if you need fast cash. The application process is fast and hassle-free. The company focuses on payday loans for bad credit. But you should remember that such loans come with very high interest rates. And if you reside outside of Florida, you will have to search for a different loan provider.

Types of loans offers payday loans only. These are short-term loans that typically do not exceed $1000 and are expected to be repaid on the day you get paid. The money can be used for whatever needs.

Eligibility criteria

To be eligible for a loan with Second Chance Payday Loans, you must meet a few requirements:

  • Be a US citizen or permanent resident
  • Be 18 years or older
  • Give legitimate contact subtleties
  • Be legitimately utilized and have consistent pay
  • Have a functioning financial balance for a direct lender.

You do not have to have a good credit to get approved for a payday loan.

Category: Online Loans

Tags: Florida

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Second Chance Payday Loans Reviews

Except the very high interest rate, it’s an easy way to borrow cash in an emergency! Applied within 5 minutes. Had money in my checking account within minutes.
- Brian Parson

Used them once and now i receive tons of messages and calls about a new loan and I’m worried what else they can do with my persona information. NOT recommended. Find another place.
- Sloane Bailey

Was very easy and quick. As long as you make payments on time, no problems.
- Elisa Long

Absolutely amazing service! The process was fast and easy, I would recommend them to anyone struggling to get fast cash. I am a regular customer.
- Morgan Barnes

Fast and easy to apply and get approval. I would consider using again if I ever need too
- Winston May

The application process was quick and easy, got approved extremely quickly as well. I had a very low credit score, so I was extremely happy that I was accepted. No unpleasant surprises. Will definitely apply again if i need fast cash. All communications were kept to a minimum. Very happy with the service.
- Jacob Bennet

I repaid my load after 4 days and the interest was still the same. I thought paying the loan back early would’ve saved me some money but obviously I was wrong …
- Ashton Stewart

The application was easy and fast enough. Signed the agreement and received the confirmation email to say the money will be in my account within 2 hours however it’s been nearly 7 hours and still no money. I would understand if they were closed at weekends but this website advertised they weres accepting request 24/7. I have called and emailed but no reply. Customer service is far from perfect. Very disappointing..
- Vincent Turner

Ripoff.. you will pay MUCH more, i recommend that you find another lender
- Brayden Cooper

Horrible service. Fraudulent website. Would NOT recommend to anyone.
- Isabelle Lee

They are calling me and asking 10 times a day to take a loan!!! I asked for deleting my contact details from their system and they refused.
- Catalina Kim

Easy to apply for a payday loan, phoned to confirm a few details, the manager on the phone was very polite and knowledgeable. Quick and great response and affordable repayments. Great website
- Clark Gutierrez

Amazing company! Their loan products are very good and easy, i recommend Second Chance Payday Loans to all my friends because their service is quick, the application process is straightforward
- Holden Briggs

★★★★★ helped me out when no-one else would. Amazing to deal with. Speedy application and the loan was basically instant. Would highly recommend to anyone. Can’t thank them enough for helping me out. Would always apply again should I need to.
- Maeve Walker

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