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How it Works

Getting a loan from PayDay One is fast and easy. Here’s how it works:

Complete our easy application Receive funds in your bank account Manage your account with ease

Step 1: Complete our easy loan application

Our loan application is easy and secure. You can apply online or by phone in just a few minutes. Either way, you’ll get an answer in seconds. Why not apply now and find out how much cash you can get?

All you need to apply for a loan from PayDay One is an email address, active checking account, and a job or regular source of income. You must also be at least 18 years old and a US citizen.

Step 2: Receive funds in your account

Upon approval, your checking account will be electronically credited the next business day (for all applications completed by 5:00 PM CT).

Applications received after 5:00PM CT are processed the next day.

Recieve loans table

Step 3: Manage your account with ease

With PayDay One , you’ll have online access to your account 24/7. You can check your balance and make payments with just a few clicks. We’ll even send you email reminders when a payment is due. And if you ever need help, just call or email a helpful PayDay One loan specialist.

Still have questions? Here are a few ways to learn more:

Get Started Now

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IMPORTANT DISCLOSURES: PayDay One 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.

Single-Payment (Payday) Loans in CA, ID, OH, TX	Multi-Payment (Installment) Loans in DE, IL, LA, MO, NM, SC, SD, UT, WI
APR range for loans with a 14-day term: 459.90% - 663.67%	APR range for loans with bi-weekly payments: 198.44% - 637.00%
For example: A $250 loan in California repaid in 14 days, including $44.10 of finance charges, has an APR of 459.90%.	For example: A $750 loan in South Dakota repaid in 18 bi-weekly payments of $114.74, including $1,315.33 of interest, has an APR of 358.99%.

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.