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Payday Loans Near Me – Direct Lender Companies

Apply for a payday loan

How to get a payday loan

Are you struggling to make it to payday each week? With inflation reaching an average rate of 8% in 2023, your cost of living most likely dramatically increased. Pinching pennies until payday doesn’t have to be your only option. In fact, a solution that countless workers overlook is payday loans.

In this article, we’ll cover everything you need to know about payday loans, including common uses, advantages, disadvantages, and how to find the right payday lender nearby or online. If you have any lingering questions about how you can use payday loans, don’t hesitate to reach out to one of our payday lenders today.

What is a Payday Loan?

A payday loan is a form of short-term borrowing meant to bridge cash shortages between pay periods. Since this type of financing is short-term, payday lenders charge high interest rates and finance charges. It’s not uncommon for interest to be assessed at 400% APR.

This means that on a $1,000 loan, you are paying almost $335 a month in interest. If you don’t pay the $1,000 loan back for a full year, you will end up paying $4,000 in interest. In addition to the high interest rates, payday lenders can also assess a finance charge, which ranges between $10 and $30 per $100 borrowed.

Some states do impose limits on the amount borrowers can take out.

For example, Wisconsin doesn’t set a limit on the amount of payday loan interest, but they do limit the amount of outstanding loans to $1,500 or 35% of the employee’s gross income, whichever is less.
  • Other jurisdictions, like Washington DC, Georgia, New York, Vermont and Arizona, make it illegal to take out payday loans.

Understanding your state’s regulations is important before pursuing payday loans. Working with the right payday loan lender near me ensures you are abiding by all necessary regulations.

When Can You Use a Payday Loan?

Payday loans near me are beneficial in a few different circumstances. First, you can use this financing type if you know you are getting paid and need a quick infusion of cash. The amount of your payday loan is dependent on your expected pay. If you have no income coming in, you most likely won’t be able to secure a payday loan.

Another reason that you might choose to use a payday loan is if you have poor credit or have no other financing options available. Payday loans come with stiff interest rates, well above what traditional financial institutions offer for personal loans. However, if you are unable to qualify for a personal loan, use a credit card, or borrow from another source, you might resort to a payday loan.

You shouldn’t take out a payday loan if you won’t be able to pay it off in the short term. Instead, you should only take out this loan if you expect to pay the balance off as soon as you get paid. This can help you avoid stiff interest rates.

What are the Advantages and Disadvantages of Payday Loans?

  • The Advantages

Payday loans have both advantages and disadvantages. The first advantage is flexibility. Payday loans have fewer requirements compared to other financing options. You don’t have to go through rigorous credit checks or meet the same level of criteria that banks require for loans.

Moreover, payday loans are easy to access. Applying for a payday loan only takes a few minutes, with money potentially reaching your bank on the same day. This is the main advantage of payday loans. Taking a personal loan through a financial institution can take weeks. However, payday loans can take as little as a few hours.

There are also provisions in place to protect payday borrowers. The Consumer Financial Protection Bureau prevents lenders from attempting to collect payments that result in excessive fees or stray from what the borrower expects. Additionally, the Consumer Financial Protection Bureau can also help resolve any issues between borrowers and lenders, serving as an independent intermediary.

  • The Disadvantages

There are some disadvantages to keep in mind as well. The main disadvantage is the high interest rate. Payday loans are a riskier investment. In order to offset a portion of the risk, payday lenders charge significant interest rates. If you hold the loan for a few months, you could end up paying more in interest than you originally received. This is why paying off the payday loan should be a priority.

Another disadvantage is that payday lenders often receive access to your bank account. This allows lenders to take direct recurring payments from your account. Keep in mind that you can cancel this option, but most payday lenders require direct access before a loan is issued.

Collection practices of payday loans are also questionable. Payday lenders have earned a bad reputation for being very tough in their collection methods, including sending threatening letters and constant calling. Although the Consumer Financial Protection Bureau does prohibit the use of predatory practices, some lenders aren’t in full compliance.

What Should You Look for in a Payday Lender?

Not all payday lenders near you are the same, making it important to evaluate each prospective lender before making a decision. Here are some of the criteria you should consider:

  • Interest Rate – What is the APR? Is there a cap on interest?
  • Finance Charge – How much does it cost to take out the loan?
  • Repayment Period – Are you required to repay the loan in a certain amount of time?
  • Qualifications – What are the qualifications to take out a loan?
  • Loan Max – What is the maximum loan you can take out?
  • Payments – How will payments be made? Can you opt out of automatic debits?

These are just a few of the questions you should ask your potential direct payday lender.

Next Steps

Does it sound like you could benefit from a payday loan near me? If so, reach out to one of our payday lenders today. We can help you take out a payday loan, giving you access to the quick cash you need. Reach out today to learn more.

List of Popular US Payday Loan Direct Lenders (TOP10)

List of payday loan companies that may have offline offices (stores) near me:

  • ACE Cash Express
    Company address – 300 E. John Carpenter Fwy #900, Irving, TX 75062

  • Check ‘n G
    Company address – P.O. Box 36124, Cincinnati, OH 45236

  • Speedy Cash
    Company address – P.O. Box 782260, Wichita, KS 67278

  • Check City
    Company address – P.O. Box 35227, Las Vegas, NV 89133

  • Advance America (AARC, LLC)
    Company address – 135 N. Church Street, Spartanburg, SC 29306

  • Check Into Your Cash
    Company address – 5165 Emerald Parkway #100, Dublin, OH 43017

  • CashNetUSA
    Company address – 175 W. Jackson Blvd #1000, Chicago, IL 60604

  • Net Pay Advance
    Company address – 6820 W Central Ave, Wichita, KS 67212

  • OneMain Financial
    Company address – 601 N.W. Second Street, Evansville, IN 47708

  • LoanNow, LLC
    Company address – 3100 S. Harbor Blvd, Santa Ana, CA 92704

What if I Can’t Find Loans Near Me?

If you have not been able to get money from one of the direct lenders, then you can apply for a payday loan online on our website. Here are just some of the reasons why people come to us:

  • The direct lender is too far away (or does not have a store in the borrower’s city).
  • The lender refused to issue a loan because of a bad credit history or demanded too many documents during registration.
  • The borrower does not have the time or opportunity to visit the lender’s office in person.
  • The money is needed urgently, and the company’s office is closed (non-working hours or weekend).

Locations We Serve 24-hours a Day

Here is a partial list of cities whose residents can get payday loans via the Internet:

Alabama - AL (maximum loan amount: $500)
Huntsville
Montgomery
Birmingham
Mobile
Tuscaloosa
Hoover
Auburn
Dothan
Madison
Decatur
Alaska - AK (maximum loan amount: $500)
Anchorage
Fairbanks
Juneau
Badger
Knik-Fairview
College
Tanaina
California - CA (maximum loan amount: $300)
Los Angeles
San Diego
San Jose
San Francisco
Fresno
Sacramento
Long Beach
Oakland
Bakersfield
Anaheim
Stockton
Riverside
Irvine
Santa Ana
Chula Vista
Fremont
Santa Clarita
San Bernardino
Modesto
Fontana
Moreno Valley
Oxnard
Huntington Beach
Glendale
Ontario
Elk Grove
Santa Rosa
Rancho Cucamonga
Oceanside
Garden Grove
Lancaster
Palmdale
Salinas
Corona
Hayward
Roseville
Sunnyvale
Escondido
Pomona
Visalia
Torrance
Fullerton
Victorville
Orange
Pasadena
Santa Clara
Clovis
Simi Valley
Thousand Oaks
Vallejo
Concord
Fairfield
East Los Angeles
Berkeley
Antioch
Richmond
Carlsbad
Murrieta
Temecula
Santa Maria
Downey
San Buenaventura (Ventura)
Costa Mesa
Menifee
Jurupa Valley
El Monte
West Covina
El Cajon
Burbank city
Inglewood
Rialto
Vacaville
Chico
San Mateo
Hesperia
Daly City
Norwalk
Vista
Tracy
Arden-Arcade
San Marcos
Chino
Redding
Carson
Compton
Indio
Mission Viejo
Merced
South Gate
Hemet
Santa Monica
Westminster
Santa Barbara
Manteca
San Leandro
Citrus Heights
San Ramon
Lake Forest
Livermore
Hawthorne
Colorado - CO (maximum loan amount: $500)
Denver
Colorado Springs
Aurora
Fort Collins
Lakewood
Thornton
Arvada
Westminster
Pueblo
Greeley
Centennial
Boulder
Highlands Ranch
Longmont
Castle Rock
Loveland
Broomfield
Grand Junction
Commerce City
Parker
Connecticut - CT (maximum loan amount: $15000)
Bridgeport
New Haven
Stamford
Hartford
Waterbury
Norwalk
Danbury
New Britain
West Hartford
Greenwich
Fairfield
Bristol
Hamden
Meriden
Manchester
West Haven
Milford
Stratford
East Hartford
Middletown
Delaware - DE (maximum loan amount: $1000)
Wilmington
Dover
Newark
Middletown
Bear
Glasgow
Brookside
Hockessin
Smyrna
Milford
Florida - FL (maximum loan amount: $500)
Jacksonville
Miami
Tampa
Orlando
St. Petersburg
Port St. Lucie
Hialeah
Cape Coral
Tallahassee
Fort Lauderdale
Pembroke Pines
Hollywood
Gainesville
Miramar
Coral Springs
Palm Bay
Lehigh Acres
West Palm Beach
Lakeland
Clearwater
Brandon
Spring Hill
Pompano Beach
Miami Gardens
Davie
Boca Raton
Riverview
Palm Coast
Deltona
Sunrise
Plantation city
Fort Myers
Alafaya
Town ‘n’ Country
Deerfield Beach
Melbourne
North Port
Pine Hills
Largo
Homestead
Boynton Beach
Miami Beach
Kissimmee
Kendall
Daytona Beach
Doral
The Villages
Lauderhill
Tamarac
Poinciana
Weston
Delray Beach
Ocala
Wesley Chapel
Port Orange
St. Cloud
Sanford
Port Charlotte
The Hammocks
Wellington
Jupiter
Palm Harbor
Palm Beach Gardens
North Miami
Margate
Fountainebleau
Sarasota
Coconut Creek
Apopka
Bradenton
Bonita Springs
Winter Haven
Tamiami
Westchester
Horizon West
Pensacola
Pinellas Park
Kendale Lakes
Country Club
Four Corners
Hawaii - HI (maximum loan amount: $600)
Honolulu (Urban Honolulu, East Honolulu)
Hilo
Pearl City
Kailua CDP
Waipahu
Kaneohe
Ewa Gentry
Mililani Town
Kahului
Kapolei
Kihei
Mililani Mauka
Kailua CDP
Makakilo
Schofield Barracks
Wahiawa
Ocean Pointe
Wailuku
Halawa
Idaho - ID (maximum loan amount: $1000)
Boise City
Meridian
Nampa
Idaho Falls
Caldwell
Pocatello
Coeur d’Alene
Twin Falls
Post Falls
Rexburg
Illinois - IL (maximum loan amount: $1000)
Chicago
Aurora
Joliet
Naperville
Rockford
Springfield
Elgin
Peoria
Champaign
Waukegan
Cicero
Bloomington
Schaumburg
Evanston
Arlington Heights
Bolingbrook
Decatur
Skokie
Palatine
Des Plaines
Orland Park
Oak Lawn
Berwyn
Mount Prospect
Tinley Park
Wheaton
Normal
Oak Park
Hoffman Estates
Downers Grove
Indiana - IN (maximum loan amount: $600)
Indianapolis
Fort Wayne
Evansville
South Bend
Fishers
Carmel
Bloomington
Hammond
Noblesville
Lafayette
Gary
Greenwood
Muncie
Kokomo
Terre Haute
Anderson
Westfield
Elkhart
Columbus
Jeffersonville
Mishawaka
Iowa - IA (maximum loan amount: $500)
Des Moines
Cedar Rapids
Davenport
Sioux City
Iowa City
Ankeny
West Des Moines
Ames
Waterloo
Council Bluffs
Dubuque
Urbandale
Marion
Cedar Falls
Bettendorf
Waukee
Marshalltown
Mason City
Ottumwa
Fort Dodge
Kansas - KS (max loan amount: $500)
Wichita
Overland Park
Kansas City
Olathe
Topeka
Lawrence
Shawnee
Lenexa
Manhattan
Salina
Kentucky - KY (max loan amount: $500)
Louisville
Lexington-Fayette
Bowling Green
Owensboro
Covington
Georgetown
Richmond
Florence
Nicholasville
Elizabethtown
Louisiana - LA (max loan amount: $350)
New Orleans
Baton Rouge
Shreveport
Metairie
Lafayette
Lake Charles
Kenner
Bossier City
Monroe
Alexandria
Maine - ME (max loan amount: NO limit)
Portland
Lewiston
Bangor
South Portland
Auburn
Scarborough
Biddeford
Sanford
Brunswick
Saco
Westbrook
Windham
Augusta
Gorham
Waterville
York
Falmouth
Kennebunk
Wells
Orono
Standish
Kittery
Michigan - MI (max loan amount: $600)
Detroit
Grand Rapids
Warren city
Sterling Heights
Ann Arbor
Lansing
Dearborn
Clinton Township
Canton Township
Livonia
Macomb
Troy city
Westland
Farmington Hills
Flint
Shelby Township
Wyoming
Rochester Hills
Southfield city
Kalamazoo
Waterford Township
Novi city
West Bloomfield Township
Taylor
Dearborn Heights
Pontiac
St. Clair Shores
Royal Oak
Georgetown Township
Ypsilanti Township
Kentwood
Battle Creek
Portage city
Minnesota - MN (max loan amount: $350)
Minneapolis
St. Paul
Rochester
Bloomington
Duluth
Brooklyn Park
Plymouth
Woodbury
Lakeville
Blaine
Maple Grove
St. Cloud
Eagan
Burnsville
Coon Rapids
Eden Prairie
Apple Valley
Minnetonka
Edina
St. Louis Park
Mississippi - MS (max loan amount: $500)
Jackson
Gulfport
Southaven
Biloxi
Hattiesburg
Olive Branch
Tupelo
Meridian
Greenville
Madison
Missouri - MO (max loan amount: $500)
Kansas City
St. Louis
Springfield
Columbia
Independence
Lee’s Summit
O’Fallon
St. Charles
St. Joseph
Blue Springs
St. Peters
Joplin
Florissant
Chesterfield
Wentzville
Montana - MT (max loan amount: $300)
Billings
Missoula
Great Falls
Bozeman
Butte-Silver Bow
Helena
Kalispell
Belgrade
Nebraska - NE (max loan amount: $500)
Omaha
Lincoln
Bellevue
Grand Island
Kearney
Fremont
Norfolk
Hastings
Columbus
Papillion
Nevada - NV (max loan amount: NO limit)
Las Vegas
Henderson
North Las Vegas
Reno
Enterprise
Spring Valley
Sunrise Manor
Paradise
Sparks
Carson City
Whitney
Pahrump
New Hampshire - NH (max loan amount: $500)
Manchester
Nashua
Concord
Derry
Dover
Rochester
Salem
Merrimack
Londonderry
Hudson
New Mexico - NM (max loan amount: $5000)
Albuquerque
Las Cruces
Rio Rancho
Santa Fe
Roswell
Farmington
Hobbs
Clovis
South Valley
Carlsbad
Alamogordo
Gallup
Los Lunas
Sunland Park
Deming
Chaparral
Los Alamos
Las Vegas
North Valley
Artesia
North Dakota - ND (max loan amount: $500)
Fargo
Bismarck
Grand Forks
Minot
West Fargo
Williston
Dickinson
Mandan
Jamestown
Wahpeton
Ohio - OH (max loan amount: $1000)
Columbus
Cleveland
Cincinnati
Toledo
Akron
Dayton
Parma
Canton
Lorain
Hamilton
Youngstown
Springfield
Kettering
Elyria
Middletown
Newark
Cuyahoga Falls
Lakewood
Dublin
Euclid
Mansfield
Mentor
Beavercreek
Strongsville
Fairfield
Cleveland Heights
Delaware
Huber Heights
Grove City
Lancaster
Reynoldsburg
Findlay
Oklahoma - OK (max loan amount: $500)
Oklahoma City
Tulsa
Norman
Broken Arrow
Edmond
Lawton
Moore
Midwest City
Enid
Stillwater
Oregon - OR (max loan amount: $50,000)
Portland
Eugene
Salem
Gresham
Hillsboro
Bend
Beaverton
Medford
Springfield
Corvallis
Albany
Tigard
Aloha
Lake Oswego
Grants Pass
Keizer
Oregon City
Redmond
McMinnville
Bethany
Tualatin
Woodburn
West Linn
Forest Grove
Wilsonville
Happy Valley
Newberg
Roseburg
Klamath Falls
Hayesville
Rhode Island - RI (max loan amount: $500)
Providence
Warwick
Cranston
Pawtucket
East Providence
Woonsocket
Cumberland
Coventry
North Providence
South Kingstown
South Carolina - SC (max loan amount: $500)
Charleston
Columbia
North Charleston
Mount Pleasant
Rock Hill
Greenville
Summerville
Goose Creek
Sumter
Greer
South Dakota - SD (max loan amount: $500)
Sioux Falls
Rapid City
Aberdeen
Brookings
Watertown
Mitchell
Yankton
Huron
Pierre
Spearfish
Tennessee - TN (max loan amount: $500)
Nashville-Davidson
Memphis
Knoxville
Chattanooga
Clarksville
Murfreesboro
Franklin
Johnson City
Jackson
Hendersonville
Bartlett
Smyrna
Kingsport
Spring Hill
Collierville
Cleveland
Gallatin
Columbia
Brentwood
Lebanon
Texas - TX (max loan amount: $1000)
Houston
San Antonio
Dallas
Austin
Fort Worth
El Paso
Arlington
Corpus Christi
Plano
Lubbock
Laredo
Irving
Garland
Frisco
McKinney
Grand Prairie
Amarillo
Brownsville
Killeen
Denton
Mesquite city
Pasadena
McAllen
Waco
Midland
Carrollton
Lewisville
Abilene
Pearland
Round Rock
College Station
Richardson
The Woodlands
League City
Odessa
Beaumont
Allen
Sugar Land
Tyler
New Braunfels
Edinburg
Wichita Falls
Conroe
San Angelo
Temple
Bryan
Mission
Georgetown
Baytown
Atascocita
Longview
Pharr
Flower Mound
Cedar Park
Mansfield
Missouri City
Leander
Harlingen
North Richland Hills
San Marcos
Pflugerville
Victoria
Rowlett
Spring
Wylie
Euless
Kyle
DeSoto
Texas City
Port Arthur
Little Elm
Burleson
Galveston
Rockwall
Grapevine
Bedford
Cedar Hill
Huntsville
Haltom City
Waxahachie
Utah - UT (max loan amount: NO limit)
Salt Lake City
West Valley City
West Jordan
Provo
St. George
Orem
Sandy
Ogden
Lehi
South Jordan
Layton
Millcreek
Herriman
Taylorsville
Logan
Eagle Mountain
Draper
Murray
Saratoga Springs
Riverton
Bountiful
Spanish Fork
Roy
Cedar City
Tooele
Pleasant Grove
American Fork
Kearns
Springville
Midvale
Virginia - VA (max loan amount: $2500)
Virginia Beach
Chesapeake
Arlington
Norfolk
Richmond
Newport News
Alexandria
Hampton
Suffolk
Roanoke
Portsmouth
Lynchburg
Dale City
Centreville
Reston
Harrisonburg
McLean
Leesburg
Tuckahoe
Blacksburg
Charlottesville
Ashburn
Lake Ridge
Burke
Woodbridge
Manassas
Danville
Linton Hall
Annandale
Mechanicsville
Washington - WA (max loan amount: $700)
Seattle
Spokane
Tacoma
Vancouver
Bellevue
Kent
Everett
Spokane Valley
Renton
Federal Way
Yakima
Bellingham
Kirkland
Auburn
Kennewick
Pasco
Redmond
Marysville
South Hill
Sammamish
Richland
Lakewood
Shoreline
Lacey
Olympia
Burien
Bothell
Bremerton
Lynnwood
Edmonds
Wisconsin - WI (max loan amount: $1500)
Milwaukee
Madison
Green Bay
Kenosha
Racine
Appleton
Waukesha city
Eau Claire
Oshkosh
Janesville
West Allis
La Crosse
Sheboygan
Wauwatosa
Fond du Lac
Brookfield
New Berlin
Wausau
Menomonee Falls
Greenfield
Wyoming - WY (max loan amount: NO limit)
Cheyenne
Casper
Gillette
Laramie
Rock Springs
Sheridan
Evanston
Green River
Riverton
Jackson

If you did not find your city in this list, then write to us by e-mail (Contact Us). We will try to help you!