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ActionPayday Short Term Loans

Information verified correct on April 24th, 2017

Are you looking for a short-term loan? Here’s what ActionPayday has to offer.

When finances are tight and you encounter unexpected bills, a short term loan may be what you need. ActionPayday operates as a direct lender, and can lend you anywhere from $100-$1,500.

Compare Action Payday loans with other lenders

Rates last updated April 24th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
ActionPayday Short Term Loans
First-timers can borrow up to $500 and repeat borrowers up to $1,500 with steep finance charges on short-term loans.
$1,500 varies from state to state 1-2 business days $30 for every $100 for 15 days More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know
Rates last updated April 24th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000 Varies by state 1–2 business days Varies depending on the amount and your state of residency. Go to site More
SWIFT Payday Loan
Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
$1,000 Varies by lender Next business day APR varies by lender Go to site More
Check City Payday Loan
Apply for a fast, secure and confidential payday loan — even with less-than-perfect credit.
Depends on state of residency Varies by state Next day Depends on state of residency. Go to site More
CashNetUSA Loan
Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.
$2,250 Varies by state 1 business day Varies by state of residency. Go to site More
OppLoans Installment Loans
Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
$5,000 9 to 24 months 1 business day Depends on state of residency. Go to site More
Cash Central Payday Loan
Offers high-APR cash loans of up to 32 days deposited directly into your checking account.
$5,000 Varies by state 1–2 business days Depends on your credit history and the state you live in. Go to site More
ACE Cash Express Payday Loans
An array of services in 1,000 locations include short-term, installment and title loans with terms that vary by state.
Varies by state Varies by state Generally receive the money the next business day Varies depending upon the state where you reside. Go to site More
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required.
$250 7–30 days 1 business day Varies depending on the loan terms and your state of residence. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

How does borrowing from Action Payday work?

After filling out an online application, a representative will contact you via email or phone to verify your details and complete the loan application process.

After your details are verified, ActionPayday will tell you if you are approved. If you accept the loan contract, the money will be transferred directly into your bank account.

As a first-time borrower you can apply for a loan of $100 to $500. As a repeat borrower, you can borrow up to $1,500. This depends on your repayment history and existing financial situation.

Are payday loans legal in your state?

Hover over your state of residence (or click on your state if you’re using a mobile device) to find out if payday loans are legal in your state.

Why might you consider taking out an Action Payday loan?

Short term loans from ActionPayday offer some features that are worth considering:

  • The loans are available in most states. Residents of most states can apply for a loan through ActionPayday. However, it does not provide loans to residents of 14 states, which include Arkansas, Colorado, Georgia, Illinois, Kansas, Massachusetts, Maryland, Missouri, New Hampshire, Oregon, New York, Pennsylvania, Washington and West Virginia.
  • Easy to apply. It takes a matter of minutes to complete the online application. You can apply from your home computer, tablet, or smartphone.
  • Apply with bad credit. ActionPayday understands that you may have trouble with credit in the past. If you have a regular source of income, you can apply with bad credit, or no credit history at all.
  • Repayment options. You can make payments towards your loan via electronic transfers or remotely generated checks. You can also use a debit or credit card linked to the account in which you receive proceeds from the loan. There is no prepayment penalty if you decide to repay the loan early.

How much will it cost you to borrow from Action Payday?

The annual percentage rate (APR) and the total number of payments vary according to the loan amount and the loan term. You can find the complete payment schedule in your loan contract, which includes the number of payments, the payment amounts and the due dates.

If you borrow $100 for 15 days, you’ll pay a $30 finance charge, which amounts to an APR of 782.14%. Borrowing $300 for the same period attracts a finance charge of $90. For a $500 loan, this charge increases to $150.

If a scheduled payment does not go through because of insufficient funds in your account or because your bank dishonors it, you’ll have to pay a $25 fee.

Are Action Payday loans safe?

This lender ensures that its procedures, policies and internal controls remain in compliance with Bank Secrecy Act (BSA) rules and regulations.

You can get in touch with an ActionPayday representative via chat, email or over-the-phone during business hours.

Resolution of any dispute between you and ActionPayday comes through binding arbitration. The loan contract explicitly states that you give up your right to go to court for arbitration.

How can you apply for a loan from Action Payday?

If you’re ready to apply you can submit an application online. Before you begin, make sure you meet these eligibility criteria:

  • You’re over 18 years old
  • You’re an American citizen
  • You have a steady source of verifiable income
  • You have an operational checking account

Completing the application successfully requires that you provide some basic information:

  • The loan amount you want
  • Your name, email address, home address and phone number
  • Your date of birth and social security number
  • Details from your driver’s license
  • Details about your employer and income
  • Your bank account details

Frequently asked questions

How much time do I have to repay an ActionPayday loan?

The loan term is usually from 8 to 31 days, depending on when you receive your next paycheck.

What is the minimum amount I have to pay by the due date?

The minimum you have to repay by your due date is the finance fee. You can pay the principal amount in full at any time, or make payments in increments of $10.

What purpose can I use the money for?

What you do with proceeds from your ActionPayday loan is basically up to you, provided you use the money legitimately.

Can I borrow more than $500 through my first ActionPayday loan?

This is possible in some cases. However, to qualify you’ll have to provide your bank statement.

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US Payday Loans Offers

Learn about our information service
Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required.

SWIFT Payday Loan

Access multiple lenders with a 5-minute application for a cash advance on your paycheck.

CashNetUSA Loan

Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.

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