Personal Money Store Logo

Personal Money Store Payday Loans

Information verified correct on March 29th, 2017

Apply for up to  in a few minutes – even if you have bad credit.

Personal Money Store operates out of Spokane in Washington State. Personal Money Store isn’t a lender, but rather works with a large network of lenders to help you find you a suitable loan. Personal Money Store uses an online lender matching service to connect borrowers with direct lenders, and upon approval of your loan, you can expect funds to transfer directly into your account.

Personal Money Store encourages responsible borrowing and understands that individuals with less-than-perfect credit history might also need quick access to funds. Products available are payday loans, installment loans, and personal loans.

How do Personal Money Store Payday Loans compare with other loans?

Rates last updated March 29th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000 Varies by state 1–2 business days Varies depending on the amount and your state of residency. Go to site More
SWIFT Payday Loan
Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
$1,000 Varies by lender Next business day APR varies by lender Go to site More
CashNetUSA Loan
Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.
$2,250 Varies by state 1 business day Varies by state of residency. Go to site More
OppLoans Personal Loans
Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
$5,000 9 to 24 months 1 business day Depends on state of residency. Go to site More
Cash Central Payday Loan
Offers high-APR cash loans of up to 32 days deposited directly into your checking account.
$5,000 Varies by state 1–2 business days Depends on your credit history and the state you live in. Go to site More
ACE Cash Express Payday Loans
An array of services in 1,000 locations include short-term, installment and title loans with terms that vary by state.
Varies by state Varies by state Generally receive the money the next business day Varies depending upon the state where you reside. Go to site More
LendUp Payday Loans
Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.
$250 7–30 days 1 business day Varies depending on the loan terms and your state of residence. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

Product Information

  • Min. Loan Amount: Not specified
  • Max. Loan Amount: $1000
  • Loan Term: Varies, depends on the lender
  • Turnaround Time: Instant decision
  • APR: Varies from 547.5% to 999.45%

What can you apply for at Personal Money Store?

Personal Money Store offers Payday Loans that you can look forward to repaying in its entirety on your next payday, but it gives you other options as well.

  • Installment Loans. You can borrow up to  through an Installment Loan, and through such a loan you can schedule out payments over a pre-agreed time period. This can range from six months to a year. You can apply for this loan if you suffer from poor credit history or have a entered into bankruptcy at some stage. Applying is simple and quick, and approved funds transfer in your bank account directly.
  • Personal Loans.  If you wish to borrow more than $1,000 you should take a look at the Personal Loan options put forth by Personal Money Store. Depending on how much money you require, you can consider applying for between $100 to $1,500, or $1,500 to $2,500, or even $2,500 to $25,000. These find mention separately because in each category you’d be dealing with a different lender.

Find out your credit score here

Are payday loans available in my state?

Why should you borrow from the Personal Money Store?

Payday or cash advance loans that you can get through Personal Money Store require your attention because of the following factors:

  • Multiple lenders. When you apply for a Payday Loan through Personal Money Store you get the benefit of finding a loan that suits your specific needs owing to its large network of lenders.
  • Apply if you have bad credit. Most mainstream banks and lenders don’t provide loans to individuals who have bad credit history, but with the Personal Money Store, individuals with less-than-perfect credit ratings can still look forward to getting loans as long as they have the ability to make the required repayments.
  • No collateral. These payday loans are unsecured in nature, so you don’t have to worry about providing any form of collateral.
  • Quick process. You can complete the online application in around five to 10 minutes, and once you submit your application you can expect an answer within the following two to three minutes. Once approved, the money is transferred into your bank account automatically. The actual time this takes depends on factors like the lender, the time of transfer, and who you bank with.
  • No faxing required. When you deal with Personal Money Store to get a payday loan you don’t have to fax any documentation over.

How much will a Payday Loan cost you?

You get a fair idea of what you’ll end up paying in the form of fees and charges through the loan’s offer document, which you should review carefully. Since payday loans are essentially short-term loans, stretching your repayments over time can result in hefty fees. For a typical Payday Loan from Personal Money Store you can expect to pay $15 to $40 as fees for every $100 you borrow up to the $500 mark. Post the $500 mark, fees per $100 begin dropping.

Rates last updated March 29th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
$1,000 Varies 1 business day $15 to $30 per $100 borrowed, depending on local and state laws. More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

Are these Payday Loans safe?

Personal Money Store deals with trustworthy and reputable direct lenders, so you can be sure that all the information you provide is secure. Personal Money Store is a member of the Online Lenders Alliance (OLA), and it abides by a Code of Conduct and list of Best Practices to make sure its customers remain well informed at all time.
More information about the Online Lenders Alliance (OLA)

How can you apply?

You have to submit an online application to apply for a Payday Loan through Personal Money Store. Before you do, establish if you meet certain requirements.

Eligibility criteria:

  • You are an American citizen or a permanent resident of USA
  • You’re at least 18 years old
  • You have an operational checking or savings account
  • You need to have a steady source of income that’s over  per month


In order to complete the application successfully you have to provide a variety of information, such as:

  • Personal details like your complete name, date of birth, and social security number
  • Your residential address, email address, and phone number
  • Your employment status (employed or unemployed, receiving benefits)
  • Mode of receiving your pay (direct deposit or paper check), payment frequency, and average gross amount

 Frequently asked questions

How long does approval of my application take?

Since Personal Money Store relies on an online loan approval system you can expect an answer in as little as two to three minutes.

Is applying online safe?

Personal Money Store uses 128-bit SSL encryption to keep all transmission of data secure. This is an industry standard when it comes to encrypting secure information like bank details, social security numbers, and so on.

How long will it take for me to receive approved funds?

While this can happen in as little as two hours, you can also expect the money to reach your account only on the next business day.

Is having a checking account necessary?

Most lenders that are part of Personal Money Store’s network require applicants to have operational checking or savings accounts, where they can transfer funds electronically.

How many lenders end up seeing my application?

This depends on your qualifications. While your application might not go to more than one lender, it might go to multiple if you are on a low income or there are other factors that affect your application negatively.

Was this content helpful to you? No  Yes

Ask a Question

You are about to post a question on finder.com

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com privacy policy.

US Payday Loans Offers

Learn about our information service
Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

LendUp Payday Loans

Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.

SWIFT Payday Loan

Access multiple lenders with a 5-minute application for a cash advance on your paycheck.

CashNetUSA Loan

Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.

feedback