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PayDay One Security Center


Keeping your financial and personal information secure and confidential is one of our most important responsibilities, and we take that responsibility very seriously.

What we do to protect your personal information
At PayDay One, we understand how important security and privacy are to you. Here are just a few of the steps we take to protect your personal information:

  • Computer virus protection helps to detect and prevent computer viruses from entering our computer network systems.
  • Firewalls help to block unauthorized access by individuals or networks.
  • Secure data transmissions help to ensure that information remains confidential. PayDay One uses 128 bit Secure Socket Layer (SSL) encryption to transmit information to you and your bank.

What you can do to protect your personal information
You play an important role in protecting your information. Here are some tips for making sure that your personal information is protected.

  • Regular email is not secure, so don't use email to send confidential account information. Instead, use the "Contact Us" link on our web site to send secure messages to PayDay One.
  • We recommend that you use a recent version of either Microsoft Internet Explorer or Netscape Navigator/Communicator to access our web site. These browsers support the latest encryption and will help to ensure that your connection to PayDay One is secure.
  • Choose passwords that are difficult for others to guess. Don't use your personal information such as your birth date or pet's name as a password. Keep your passwords for each account unique, and don't write your passwords down in a place where others could find them.
  • Secure your computer by using antivirus and firewall software. Also, make sure that you keep your operating system up to date and install the latest security patches. See the links below for more information on protecting your PC.
  • Remember that PayDay One will never ask for personal information such as passwords and account numbers through email.
  • Be on the lookout! If you notice anything suspicious, please contact PayDay One immediately.
  • It's a good idea to check your credit report at least once a year to make sure there is no unauthorized activity. See below for information on obtaining a free credit report.

Want to learn more?
Here are some links to learn more about protecting your personal information and preventing identity theft:

FTC Tips on Information Security
http://www.ftc.gov/infosecurity/

FTC Identity Theft Information
http://www.ftc.gov/bcp/edu/microsites/idtheft//

Protecting Your Computer
http://www.cert.org/homeusers/HomeComputerSecurity/

Microsoft Security Home Page (for Windows users)
http://www.microsoft.com/security/

Information on Obtaining Free Credit Reports
http://www.annualcreditreport.com



We apologize for the inconvenience, but we are currently not originating loans in your state.

Our partner, ThinkCash, may be able to assist you with your loan needs.

We will automatically redirect you in a few seconds to complete an application with ThinkCash, or you may visit them at www.thinkcash.com at your convenience. Thank you!


DELAWARE DISCLOSURES Section 2235A(b)

  • This loan is designed as a short term cash flow solution and is not designed as a solution for longer-term financial problems
  • Additional fees may accrue if the loan is rolled over
  • Credit counseling services are available to consumers who are experiencing financial problems
DELAWARE DIVULGACIONES Sección 2235A(b)

  • Este préstamo está diseñado como una corto plazo el flujo de caja y la solución no está diseñado como una solución a largo plazo problemas financieros
  • Tasas adicionales pueden acumular si el préstamo se arrastro’
  • Servicios de consejer’ia de crédito están disponibles para los consumidores que están experimentando problemas financieros






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© 2002 - 2013 PayDay One All Rights Reserved.

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.

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