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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.

Max Cash Title Loans

Our top pick: Max Cash Title Loans

With a quick online application, Max Cash could help connect you with a lender, finding you options in minutes.

  • Max. Loan Amount: $50,000
  • Loan Term: Varies by lender
  • Turnaround Time: As little as 1 business day
  • No bank account requirement.
  • Not available in 10 states: CO, HI, MD, MT, NE, NY, OH, SD, WA or WV.

    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.

    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.

    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.

    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 March 26th, 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
    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
    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.
    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.
    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.
    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.
    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.

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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