Editor's choice: OppLoans Installment Loans
- Easy online application
- Quick approval
- Fast funding
- Long repayment terms
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These lenders offer in-store payday loans — and most also have online payday loans.
|Provider||State availability||Loan amounts|
|Check Into Cash||Alabama, California, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Oklahoma, South Carolina, Tennessee, Texas, Wisconsin and Wyoming||$50 to $1,000||Go to SiteRead review|
|ACE Cash Express||California, Florida, Indiana, Kansas, Louisiana, Minnesota, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas and Virginia|
Varies by state
|Go to SiteRead review|
|Cash Store||Idaho, Illinois, Michigan, New Mexico, Texas, Utah and Wisconsin||$100 to $5,000||Read review|
|Speedy Cash||Alabama, Alaska, Arizona, California, Colorado, Delaware, Hawaii, Illinois, Idaho, Kansas, Louisiana, Missouri, Mississippi, North Dakota, Nevada, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming||$50 to $26,000||Read review|
|Advance America||Alabama, California, Delaware, Florida, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin and Wyoming||$50 to $1,075||Read review|
|Check N Go||Alabama, California, Florida, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Nebraska, Nevada, Oklahoma, Rhode Island, Tennessee and Texas||$100 to $1,000||Read review|
To find a nearby payday loan location, follow these steps:
Payday loans are designed for people with bad credit. While they typically charge high fees — resulting in a high interest rate — they can be a helpful short-term option when you need cash.
Unlike online lenders, which usually can’t get you cash until the next business day, most in-store lenders can get you money fast: Payday loans may be available on the same business day you apply. This means you could walk out with your money — as cash, check or prepaid debit card — to use toward whatever short-term expense you have.
After you’ve found a lender you want to work with, go to that lender’s store to begin applying for your loan. You’ll typically need to provide some basic personal information, like a government-issued ID and information about your bank checking account. Some lenders also need to see that you have a source of income and proof of residence to approve your application.
Ask customer service to walk you through any questions you have about the application process, loan funding or repayment so that you fully understand any contract you sign.
It may be better to get a payday loan from an online if you:
Just keep in mind that people with credit difficulties should seek credit counseling to better handle long-term financial setbacks. A payday loan is a short-term option, whether you visit a store or borrow online, and there are less expensive options for people with bad credit out there.
To see lenders that may offer payday loans in store and online, select your state and click Show me my options.
Payday loans weren’t always available online. Although online loans come with many perks, you might just prefer to go to an in-store lender in your neighborhood if you need to borrow money fast.
Check our comprehensive guide to payday loans to weigh the benefits and drawbacks of payday loans and other short-term options before you borrow.
Our answers to additional questions you might have about payday loans.
In most cases, yes. To deposit your loan money, lenders need you to provide a bank account to complete you application. However, there are lenders that don’t require bank accounts.
To prove you have a regular source of income, you may need to submit documents like pay stubs and employer information. What qualifies as proof of income varies by lender and state, so call ahead to make sure you bring along everything you need.
You may be able to have your loan funds deposited your loan on a prepaid debit card, although many lenders don’t offer it. Ask a representative about funding options before visiting the store.
No, Walmart does not offer payday loans. However, there are some cash advance apps that allow you to pick up your advance at a nearby Walmart.
Here’s where to get financial help for yourself and your business if you’ve been affected by the storm in February 2021.
Shopify merchants may be able to get funding without a credit check.
You only have until the end of March to get your next application in.
While you can get started on your loan application today — you’ll still need to wait for funding.
You might be able to apply for more funding on your PPP loan, get a second PPP loan or take advantage of a new grant program.
Loans of up to $50,000 available from this well-established lender.
This lender is transparent about fees — but still a risky choice.
Earn a competitive rate as long as you open it with the Citi Accelerate Savings account.
You won’t be able to apply for a new loan unless you’re a returning customer.
Debt settlement for payday loans and more — with almost no information available before you sign up.
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