3 alternatives to ActionPayday short-term loans | finder.com

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ActionPayday short-term loans review

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.

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

Data updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 - $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
$1,000 - $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
No green card? You could still qualify for a personal loan.
Fast5kLoans Short-term Loans Connection Service
$100 - $35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 - $15,000
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.

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

    Default Gravatar
    DavidJune 24, 2017

    can I still get a loan if I live in Maryland

      Avatarfinder Customer Care
      AnndyJune 24, 2017Staff

      Hi David,

      Thanks for your question.

      Kindly note that payday loan is prohibited in Maryland. With this in mind, you might want to compare installment loans instead. Be sure to read through their eligibility requirements to gauge your chance of getting approved.


    Default Gravatar
    BonnieJune 7, 2017

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

      Avatarfinder 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.


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