Why PayDay One

At PayDay One, our goal is to be the most customer-friendly lender around. Here are just a few reasons that thousands of customers choose PayDay One for their emergency cash needs. But don’t take our word for it - click here to see what real PayDay One customers have to say.

Click on an item to learn more.

• Fast loan process
• Great rate guarantee
• Loans online or by phone
• Fax-free loan process
• State licensed lender
• Low credit scores are no problem
• Friendly customer service
• Private & secure

Fast and secure loan process

At PayDay One, we work hard to make getting a loan as fast and secure as possible for you. You can apply for a loan online or by phone in just a few minutes and you’ll find out right away how much cash you can get. And we take our responsibility to protect your information seriously. Click here to learn more about the steps we take to protect your personal information.

Loans online or by phone

PayDay One offers two convenient ways to apply for a loan. You can apply at our website 24 hours a day or call a helpful PayDay One Loan Specialist between 7am and 8pm Monday through Friday (CT), and from 8am to 5pm on Saturday (CT) to apply by phone. Either way, you’ll get an instant answer and guaranteed prices.

State licensed lender

Many payday lenders operate outside of the United States in order to avoid federal and state lending laws. At PayDay One, you can rest assured that we are US based and authorized to do business in many states. That means we follow the rules of your state and will be around to serve you whenever you need a little extra cash. Click here to see a list of the states we currently serve.

Friendly customer service

You - our customer - are the reason we’re here. Our goal is to be the most customer-friendly payday lender around. We promise to treat each customer with respect and honesty and if you ever have a problem, we’ll treat it like our own.

Great Rate Guarantee

PayDay One is the only payday lender that offers a Great Rate Guarantee -- if you find a lower price from another similarly licensed online lender we'll match it. And we back up our prices with great customer service. See the Loan Cost & Terms page for full details on pricing in your state.

Fax-free loan process

Many online lenders require that you fax bank records and other documents to get approved for a loan. PayDay One was the first lender to offer a fax-free loan process. With PayDay One, you can get the cash you need without the hassle of driving to a store. Please note that in some states we are required to get a copy of your pay stub.

Low credit scores are no problem

Think you don’t qualify for a loan with PayDay One? Think again! We provide loans to thousands of people with “bumps and bruises” on their credit record. Even if you’ve been turned down by your bank or other payday lenders, you’re invited to apply with PayDay One right now. You’ll find out in seconds how much cash you can get.

Private & Secure

Keeping your financial and personal information secure and confidential is one of our most important responsibilities, and we take that responsibility very seriously. With PayDay One, you can apply for a loan and manage your account from the comfort and privacy of your home. We use SSL encryption and other technologies to protect your personal information. Click here to learn more about the steps we take to protect your personal information.