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How Do Payday Loans Work

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Advance stores in your location:

745 CASH, 3400 Elvis Presley Blvd, Memphis TN, 38116, 901-745-2274
WATER VALLEY CHECK DELAY, 101 N Main St, Water Valley MS, 38965, 662-473-2099
SPEEDY CASH, 10972 Beach Blvd, Stanton CA, 90680, 714-826-1230
Checks Etc, Western Gateway Shop, Bowling Green KY, 42101, 270-846-3023
Harlan Check Cashing, 230 East Main Street, Mount Kisco NY, 10549, 914-244-1044
ACE CASH EXPRESS, 20469 Sherman Way, Canoga Park CA, 91306, 818-715-9267
Authorized Check Cashing, 1487 S Congress Ave, Delray Beach FL, 33445, 561-279-8887

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We provide a quick and easy way to get money when you’re in a bind or have an emergency. Simply put, a payday loan is a cash advance from your next paycheque. You pay a flat rate for the amount borrowed, and your loan and fees are due to be paid back on or around your next pay date.

3 Easy Ways to Get Cash

Online

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In Store

Over 150 Locations

By Phone

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By submitting your information you claim you have read and understood and agree to Privacy Policy, Terms of Use, E-Consent, Responsible Lending and Marketing Practices

How It Works

3 Simple Steps

1. Apply

Complete your application online, over the phone, or in a store in just minutes.

2. Approval

We process your information and lenders approve fast. Get a loan offer when you need it most!

3. Funding

Get your cash! If you apply in a store, get your cash on the spot. If you apply online, choose to get your cash direct deposited, or pick up your cash at a store.

Disclaimer: Short-term loans are emergency credit products of relatively small amounts designed for short-term financial issues only and can become an expensive product if used for long-term purposes. The owner and operator of Our Payday Loan Service is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presented on the website for information purposes only. Our Payday Loan Service does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. Our Payday Loan Service does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. Our Payday Loan Service cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.

APR Representative: APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since Our Payday Loan Service is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, Our Payday Loan Service cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with Our Payday Loan Service, and Our Payday Loan Service has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.

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Customer Notice: Payday advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counselling.
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Just bad customer service. One day.