PayDay One is a subsidiary of Think Finance, Inc. with offices in Delaware, Nevada and Texas.
A few years ago, PayDay One set out to change the way people think about short term loans. We were the first lender to offer a
fax-free loan process and we’re the first and only lender to
offer a Great Rate Guarantee.
And the word is getting out – thousands of customers are
discovering PayDay One every day. To keep up with this growth, we need lots of bright, energetic people with great ideas. That’s where you come
At PayDay One, we believe that every employee is integral to our success and has something important to say. We offer great
benefits including a choice of medical programs, company-matched 401(k), and much more. We work hard, we play hard, and we don’t take ourselves
too seriously. We even get to wear jeans and sneakers to work.
and its affiliates offer payday advances, installment loans and credit services
only to residents in those states where permitted by law. To obtain a loan, you
must have a valid checking account and email address. In most cases loans will be
funded the next business day without requiring any faxing of information unless
we are unable to verify your application information. Great Rates refers to rates
as compared to other similarly licensed online lenders.
This is an expensive form of credit. PayDay One loans are designed to help you meet
your short-term borrowing needs. Appropriate emergencies might be a car repair,
medical care for you or your family, or travel expenses in connection with your
job. This service is not intended to provide a solution for longer-term credit or
other financial needs. Alternative forms of credit, such as a credit card cash advance,
personal loan, home equity line of credit, existing savings or borrowing from a
friend or relative, may be less expensive and more suitable for your financial needs.
Refinancing may be available and is not automatic. Refinancing your loan will extend
the term of the loan and result in additional interest charges. Late fees and non-sufficient
funds/returned item fees may apply as described in your Loan Agreement. We will
never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement
or the Loan Cost & Terms. If you don’t make
a payment on time we will attempt to contact you via one or more authorized methods.
We adhere to the Federal Debt Collections Protection Act (FDCPA).
Because we may report your payment history to one or more credit bureaus, late or
non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. Customers with
credit difficulties should seek credit counseling.
First time PayDay One customers typically qualify for loans from $100 to $1,000.
The foregoing are examples only — loan amounts, loan repayment terms and applicable
finance charges vary by state and are governed by your loan agreement and relevant
state law. Please see Loan Cost & Terms
for more details.
CONSUMER NOTICE: Payday advances should
be used for short-term financial needs only, not as a long-term financial solution.
Customers with credit difficulties should seek credit counseling.