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ActionPayday Short Term Loans

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 you can borrow anywhere from $100-$1,500.

Compare Action Payday loans with other lenders

Rates last updated August 18th, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs
ActionPayday Short Term Loans
varies from state to state
1-2 business days
$30 for every $100 for 15 days

Compare up to 4 providers

Rates last updated August 18th, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs
LendUp Payday Loans
7–30 days
Generally receive the money the next business day
Depends on your state, loan product, loan amount and the term of the loan.
Check into Cash Payday Loan
Varies by state
1–2 business days
Varies depending on the amount and your state of residency.
CashNetUSA Loan
Varies by state
Varies by state
1 business day
Varies by state of residency.
ACE Cash Express Payday Loans
Varies by state
Varies by state
Generally receive the money the next business day
Varies depending upon the state where you reside.
Check City Payday Loan
Depends on state of residency
Varies by state
Next day
Depends on state of residency.

Compare up to 4 providers

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.

Why consider taking out an ActionPayday loan?

Here are some of the features you should consider when taking out a loan with ActionPayday:

  • The loans are available in most states. Residents of most states can apply for a loan through ActionPayday. Check the infographic below to see if payday loans are legal in your state.
  • Easy to apply. It takes a matter of minutes to complete the online application. You can apply from anywhere with an Internet connection.
  • Apply with bad credit. ActionPayday understands that you may have had 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 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.

In need of a new guitar

Karen playing guitar Karen makes a living in Nashville performing music at restaurants and clubs, but her old guitar no longer plays the way it used to, and Karen knows that she’ll need a new one if she wants to book better gigs. She’s saved up some money, but the music store is having a sale this week, and the guitar she’s had her eyes on is $100 more than she has.

She finds ActionPayday and checks the fees associated with a loan. Borrowing $100 for 15 days, enough time for her to book some extra gigs, costs her $30 as a finance charge, which amounts to an APR of 782.14%. It’s a lot, but Karen knows that the new guitar will help her in the long run, so she fills out the application and is approved for the loan.

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 to protect yourself from payday loan scams

How can you apply for a loan from Action Payday?

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

  • You’re at least 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

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

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

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

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.

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4 Responses

  1. Default Gravatar
    DavidJune 24, 2017

    can I still get a loan if I live in Maryland

    • Staff
      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.


  2. Default Gravatar
    BonnieJune 7, 2017

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

    • Staff
      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.


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