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Payday loan near me

Same-day funding may be available with some direct lenders.

Editor's choice: Fast5kLoans Short-term Loans Connection Service

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  • Wide range of loan amounts
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Payday lenders often have storefront locations that allow you to apply and walk out with cash within a few minutes. It beats waiting for a bank account transfer — but your neighborhood location may not offer the most competitive rates.

Where can I find payday loans near me?

These lenders offer in-store payday loans — and most also have online payday loans.

ProviderState availabilityLoan amounts
Check Into CashAlabama, California, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Oklahoma, South Carolina, Tennessee, Texas, Wisconsin and Wyoming to Read review
ACE Cash ExpressCalifornia, Florida, Indiana, Kansas, Louisiana, Minnesota, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas and Virginia
Varies by state
Go to SiteRead review
Cash StoreIdaho, Illinois, Michigan, New Mexico, Texas, Utah and Wisconsin$100 to $5,000Read review
Speedy CashAlabama, 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 $26,000Read review
Advance AmericaAlabama, 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 $1,075Read review
Check N GoAlabama, California, Florida, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Nebraska, Nevada, Oklahoma, Rhode Island, Tennessee and Texas$100 to $1,000Read review

How to get a payday loan

To find a nearby payday loan location, follow these steps:

  1. Confirm that payday loans are legal in your state.
  2. Search online for lenders in your area or browse our directory of payday loans by city.
  3. Compare the potential loan amounts, store hours and repayment dates.
  4. Visit the store to complete your application — or start the application online to pick up cash at the store.

What can I expect with in-store payday loans?

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.

Are online payday loans better?

It may be better to get a payday loan from an online if you:

    • Don’t have access to a car. Online payday loans may be useful if you don’t have access to transportation and the nearest store location isn’t within walking distance. With an online lender, the full process — from applying to receiving your funds to repaying your loan — takes place online.
    • Don’t need immediate funds. Payday loans are designed to cover a short-term expense before your next payday. But if you can wait a business day or two for processing with an online lender, you might save yourself a trip.
    • Already understand the loan process. If this isn’t your first payday loan, you might not need immediate answers about the process. You can save the hassle by completing an application through an online lender.

    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.

    Compare online payday loans from top providers

    To see lenders that may offer payday loans in store and online, select your state and click Show me my options.

    Name Product Filter Values Loan amount Turnaround time Requirements
    OppLoans Installment Loans
    $500 to $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.
    CashNetUSA Loan
    Varies by state
    As fast as same business day
    Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
    Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
    $1,000 to $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 to $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 to $2,500
    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

    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.

    Frequently asked questions

    Our answers to additional questions you might have about payday loans.

    Do I need a bank account for a payday loan?

    ​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.

    What is considered proof of income?

    ​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.

    Can I get my loan funds on a prepaid debit card?

    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.

    Can I get a payday loan in Washington DC?

    No, payday loans aren’t available in Washington, DC.

    Does Walmart offer payday loans?

    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.

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