PayDay One is committed to providing great rates to our customers. In fact, we are
the only online lender that offers a Great Rate
Guarantee. We shop around so you don’t have to. But if you do find a lower
price from another licensed online lender we'll match it.
The maximum loan amount for Texas residents is $1500.00.
PayDay One is not a lender, and we cannot promise that the lender will extend credit to you. The lender makes loans at 10%
per annum simple interest. We are obtaining an extension of consumer credit for you from the lender. For this service, PayDay
One charges a CSO fee of $24.50 per $100 of the Amount Financed. The standard loan term is 14 days, but a longer term may
be available depending on your pay schedule. No other fees are charged at the inception of the loan. If any payment you
make to PayDay One or the lender (whether by check, ACH/Prepaid Debit Card debit, electronic check, or other payment device)
is dishonored or returned for any reason, you will owe a returned item fee of $30. If your payment to the lender is more
than 10 days past due, the lender may impose a late fee equal to 5% of the payment amount or $7.50, whichever is greater.
Following are 3 common examples of loans that PayDay One can help arrange for you. Please click on the link that best corresponds
to the loan amount you are seeking.
All loans are subject to the $30 returned item fee and late fee described above. See the Detailed Fee Schedule below
for specific fees and interest related to loans of different amounts and terms.
All payment changes must be made by 4:00 PM Central Time the banking day before your scheduled due date.
If you are paid monthly, your loan will be due on your next payday that falls between 10 to 31 days away.
Below is the Fee Schedule for a
To view different terms, change the days of loan below.
Days of Loan:
In Texas, PayDay One Express2 of Texas, LLC d/b/a PayDay One, is a registered Texas Credit Services Organization and a licensed Credit Access
Business operating pursuant to Chapter 393 of the Texas Finance Code. This business is licensed and examined by the State of Texas – Office
of the Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems:
Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78705-4207 (800) 538-1579, email@example.com,
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or
auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when
due will require the payment of additional charges.
To Get Cash By Tomorrow
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.