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Payday Advance

No faxing, cheap rates, immediate answers combine for a winning combination on your payday advance

Payday advance money is needed at times in almost everyone's life. A loan at PayDay One is a quick and easy way to cover any emergency cash need that might arise.

Payday advance loans at PayDay One have helped thousands of people just like you make it to their next payday. If you have a job and a checking account you can take advantage of our low-cost service today.

How it Works
Simply complete our online application (no faxing), and submit the application from our web site. You will receive an email response with the application results. Once you're approved, you can return to PayDay One and accept your payday loan.

What is Required to Get a PayDay One Loan?
Getting a PayDay One loan is easy, all you need is a job or proven source of income, Email address, listed home phone, checking account in good standing, and you must be at least 18 years of age.

PayDay One will not deposit funds into accounts with negative balances.
Your application will be either approved or declined based on our evaluation of the information you provide. Occasionally we may ask customers to fax additional information.

When is a PayDay One Loan Not OK?
When you find yourself having to depend on the money you receive from an advance day after day, week after week you're probably overextending yourself a bit. At PayDay One , we want to be here for you whenever you need us, but we don't want you to think of us as a long-term solution. So ask yourself, do you think of a cash advance as part of your monthly income or as a short-term emergency solution? If we've become like an extra paycheck, maybe it's time you also considered some other choices.

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.