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Payday loan locations near me

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You might be able to get same-day funding at a payday loan store near you.

Not everyone has access to the Internet or the time to wait for a bank account transfer. With nearly every lender offering quick online applications, it can be hard to find a reputable lender working out of physical neighborhood location.

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.

ACE Cash Express Short-term Loans

ACE Cash Express Short-term Loans
  • Apply online in minutes.
  • Get an instant decision.
  • Fast cash available.

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.

  • Minimum loan amount: Varies by state
  • Maximum loan amount: Varies by state
  • Turnaround time: Generally receive the money the next business day
  • Loan term: Varies by state
  • Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
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Where to get a payday loan near me

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 week 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.

Top lenders with store locations

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.

ProviderStates with store locationsLoan amounts
Check Into CashAlabama, California, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Wisconsin and Wyoming$50–$1,000Go to site
Read review
ACE Cash ExpressCalifornia, Florida, Indiana, Kansas, Louisiana, Minnesota, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas and Virginia Varies by stateGo to site
Read review
Cash StoreIdaho, Illinois, Michigan, New Mexico, Texas, Utah and Wisconsin$100, up to $5,000 depending on state of residence and subject to approvalGo to site
Read review
Speedy CashAlabama, Alaska, Arizona, California, Colorado, Delaware, Hawaii, Illinois, Idaho, Kansas, Louisiana, Missouri, Mississippi, North Dakota, Nevada, Oklahoma, Rhode Island, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming$100–$5,000Go to site
Read 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–$1,075Read review
Check N GoAlabama, California, Florida, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Nebraska, Nevada, Oklahoma, Rhode Island, Tennessee and Texas$100–$1,000Read review

4 steps to finding the nearest payday loan location

To find a nearby payday loan location in your neck of the woods:

  1. Confirm that your state permits payday loans.
  2. Search online for lenders in your area, or see if your city is listed our directory of payday loans by city.
  3. Narrow down your options by comparing the potential loan’s amount, 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.

If you live in a remote location, you might find limited options.

What can I expect with an in-store payday loan?

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.

Should I get an online loan instead?

It may be better to borrow online if you:

  • Don’t have access to a car. An online payday loan can 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 an emergency. But if you can wait a 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. In this case, you can save the hassle by completing an application through an online provider.

Compare online payday loans from top providers

Rates last updated November 17th, 2018
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 Term of Loan Turnaround Time Max. Loan Amount
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
90 days to 72 months
As early as 1 business day
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
9 to 36 months
1 business day
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
4–30 months, varies by state
1–2 days
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
Varies by state
1–2 business days
LendYou Short-term Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
1 business day
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
Varies by state
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
Varies by state

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 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.

Frequently asked questions

Kellye Guinan

Kellye Guinan is a writer and editor with finder.com and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

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.

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