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ActionPayday short-term loans review

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Three alternatives to this defunct lender.

You’ve likely stumbled across ActionPayday while looking for a short-term loan. Though it’s no longer in business, there are several alternatives out there that can help you get cash fast — even if you have bad credit.

Can I still get a short-term loan from ActionPayday?

No, ActionPayday is no longer in business. It previously offered loans of $100 to $1,500 to borrowers with less-than-perfect credit. But with its website down and no way to contact its customer service team, you’ll have to rely on alternative lenders going forward.

If you already had a loan with ActionPayday, you should have received instructions for how to make repayments now that it’s out of business. If you didn’t, try reaching out to the Consumer Financial Protection Bureau for help.

Top 3 alternatives to ActionPayday

ActionPayday may not be offering loans, but you still have options if you need cash fast:

1. CashNetUSA

CashNetUSA is a direct lender that offers payday loans, installment loans and lines of credit to borrowers of all credit types. The type of loan you can apply for — along with the loan amount — depends on your state of residence. But provided you have a regular source of income, you may qualify for a short-term loan through this lender.

  • Loan amounts: $300 to $3,000
  • APR: Varies by state
  • Loan terms: Varies by state

CashNetUSA isn’t available in Arizona, Arkansas, Colorado, Connecticut, Georgia, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Dakota, Vermont, West Virginia or Washington, DC.

Read review

2. LendYou

LendYou is a short-term loan connection service that connects you with multiple lenders at once. You simply need to fill out a quick online form, though you need to make at least $1,000 a month to qualify. And you’ll likely need good to excellent credit to borrow the highest loan amounts.

  • Loan amounts: $100 to $15,000
  • APR: Varies by lender
  • Loan terms: Varies by lender

LendYou doesn’t list its state availability, but you may not be connected with a lender if you live in a state where short-term loans are illegal.

Read review

3. CashAdvance.com

CashAdvance.com is a short-term loan connection service run by the Ute Indian Tribe. Unlike some connection services that limit the lenders in their networks, CashAdvance.com works with both state-based and tribal lenders. This wider selection means you may have a better chance of being approved for a loan. However, you’ll need to bring in at least $1,000 a month to qualify.

  • Loan amounts: $100 to $1,000
  • APR: Varies by lender
  • Loan terms: Up to 12 months

CashAdvance.com isn’t available in Arizona, Arkansas, Connecticut, Georgia, Maine, Maryland, Massachusetts, Montana, New Jersey, New York, North Carolina, New Hampshire, Oregon, Pennsylvania, Texas, Utah, Vermont, West Virginia or Washington, DC.

Read review

Short-term loans are expensive forms of credit

Because short-term loans are geared toward people with bad credit, they’re often quite expensive and result in many paying double — or even triple — the amount borrowed in interest and fees. You may want to consider these short-term loan alternatives instead that can often be more affordable.

Compare more short-term loan options

Rates last updated January 22nd, 2019
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
$2,600
1–2 days
Must have an active checking account, regular source of income and email address.
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$5,000
1 business day
Must have direct deposit and meet minimum income requirements
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
$10,000
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
ACE Cash Express Short-term Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
$250
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.

Compare up to 4 providers

Bottom line

ActionPayday may be out of business, but that doesn’t mean you don’t have options available if you need cash fast. CashNetUSA, LendYou and CashAdvance.com all may be able to help if you’re on the hunt for a short-term loan.

Not sure any of these providers are right for you? Compare your other short-term loan options before making a decision.

Frequently asked questions

Elizabeth Barry

Elizabeth is an editor for finder.com.au specialising in personal finance and fintech. She enjoys reading PDSs so you don’t have to.

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4 Responses

  1. Default Gravatar
    DavidJune 24, 2017

    can I still get a loan if I live in Maryland

    • finder Customer Care
      AnndyJune 24, 2017Staff

      Hi David,

      Thanks for your question.

      Kindly note that payday loan is prohibited in Maryland.

      You may want to consider getting an installment loan. You can check this page to compare your options.

      Cheers,
      Anndy

  2. Default Gravatar
    BonnieJune 7, 2017

    If This Payday Loan Is availible Why cant I get approved?

    • finder Customer Care
      AnndyJune 19, 2017Staff

      Hi Bonnie,

      Thanks for your question.

      Kindly note that just like other lenders we feature on our website, ActionPayday Short Term Loan has a set of eligibility criteria for approval. Also, it may or may not be available in your state. To check if you are eligible to apply, please read our review page above.

      Cheers,
      Anndy

US Payday Loans Offers

Important Information*
CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

Check into Cash Payday Loan

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

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

Go to site