Editor's choice: OppLoans Installment Loans
- Easy online application
- Quick approval
- Fast funding
- Long repayment terms
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Many legit providers offer in-store applications from brick-and-mortar locations, allowing you to complete the loan process in just a few minutes — and possibly walking out with cash in hand on the same day.#N/A
When you’re looking for a payday loan, start by searching online for stores near your home or work address. Results can give you an idea of your available options, helping you to weed out lenders that only operate online.
Many in-store lenders maintain websites that highlight the potential loan terms and fees they offer before you visit a store. If you find one that looks like it fits your needs, simply go to that lender’s store to complete an application.
The six lenders below are top providers that operate online as well as out of physical locations. Note that the loan amounts we report in our table vary by state, which means you may not find the maximum amount listed available where you live.
Click the Go to site button next to a lender that interests you to start your application online and pick up cash in-store if approved.
|Provider||States with store locations||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–$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, up to $5,000 depending on state of residence and subject to approval||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–$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–$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–$1,000||Read review|
To find a nearby payday loan location in your neck of the woods:
If you live in a remote location, you might find limited options.
After you’ve found a lender you want to work with, visit that lender’s store to begin applying for your loan. You’ll typically need to provide government-issued ID and, in many cases, a postdated check that your lender will cash when your loan is due. Some lenders also require proof of income and proof of residence to approve your application.
If approved, your lender might offer an option to fund your loan instantly. This means you could walk out with cash or a check to use toward whatever you need.
Ask a store employee 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 borrow online if you:
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 to borrow emergency funds.
Visiting a payday loan store can help you access the funds you need quickly. Check out our comprehensive guide to payday loans to weigh the benefits and drawbacks of any short-term lender before you borrow.
You won’t be able to apply for a new loan unless you’re a returning customer.
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