Looking for a quick unsecured bad credit Payday Loan near you? Learn all the options you have. Compare the pros and cons of both online and in-store lenders. Find out where else you can look for a "loan near me". Read about the ways to get the same day funding. Find locations near you to apply for a Payday cash advance easier, faster, and more advantageous.

Loans for ANY NEEDS
APR from 4.99%

Table of Contents:

Where can I get Payday loans near me?

Loan places near me

Nearby Payday Loan from direct lenders 

How to apply for Payday advance loans near me?

Same-day cash advance near me

Online Payday Loans benefits

Cash store near me vs Online Payday Loans

Cash Loans near me from direct lenders: pros and cons

Payday Loans near me no credit check

Payday Loans bad credit near me

Payday Loan places near me alternatives: banks, credit unions, check cashers

TOP RATED COMPANIES

Rates last updated June 6th, 2020
4.2995169082126

LEND YOU

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

17,5%
MIN MPR

The minimal percentage allowed that actually represents monthly cost of your loan. The MPR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.4033613445378

Check Into Cash

$1,000
Maximum Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

Varied by state
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.3542934415145

Greenlight Cash

$1000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varies by state
MIN MPR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.3555093555094

Loan By Phone

$1500
Maximum Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

260.71%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.0883977900552

Indylend

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

200%
MIN APR

The percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral, or Co-signer

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.8767967145791

Extralend

$1000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varied
MIN APR

The minimum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral, or Co-signer

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

ONLINE COMPANIES

Rates last updated June 6th, 2020
4.1422594142259

Your Faster Payday

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

16,6%
MIN APR

The minimal percentage allowed that actually represents the cost of your loan borrowed for a month. It's more significant criterion than APR as mostly Payday loans are borrowed for 14-30 days until the next paycheck.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.2335766423358

Personal Loans .com

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $35,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varied
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral, or Co-signer

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Where can I get a Payday loan near me?

Payday loans are made by payday loan stores,  or at stores that sell other financial services, such as Check Cashing, title loans, rent-to-own and pawn, depending on state licensing requirements. Loans are made online via websites of direct lenders or brokers and mobile devices.  CFPB1 found 15,766 payday loan stores operating in 2015.2 

There are a few largest Payday lending companies. Advance America has about 2400 stores throughout the United States. Cash America International has more than 1000 stores; QC Holdings has about 500 outlets, while EZCORP Inc. has about 900 US outlets, with roughly 500 being financial service stores3.  

Interesting to know!
The greatest number of Payday loan stores are found in California, Tennessee and Texas (more than 1000 stores in each state). Texas is the leader with 3889 stores. Maine has the fewest, just eleven.
Mississippi has the highest number of payday lending stores on this basis of the number of payday lenders per 10,000 people, followed by South Dakota, Alabama, Tennessee, Texas, Missouri, Delaware, Kentucky, and Kansas, which all have more than one store per 10,000 people.4

Loan places near me

If you are looking for loan places near your location, first of all you should go online and enter your city or ZIP code to see the options nearby. Loan places can be cash stores or check cashers. They are also divided by the type of cash advance they provide. So, you'd better surf the Net for the Payday Loans near me, or INstallment Loans near me, etc. As soon as you find the companies at your location, look for their addresses, directions and other necessary information. Compare the rates and fees and drive to the nearest loan place.

Check Your Rates for Payday Loans 

Choosing a nearby Payday Loan direct lender 

Before making up your mind where to borrow compare all the options, take into account all pros and cons of online and in-store lenders. And do some research to find out whether the lender:

  • Works according to the state’s law and legislation and is licensed to give short-term loans
  • Takes care of the safety of your personal data and other private information
  • Has a safe website that keeps your information
  • Doesn’t sell your information to a third party
  • Has only positive customer reviews

Or trust this task of choosing a verified lender to a reliable broker or comparing service like COMPACOM.com.

How to Apply for quick Payday loans near me? 

Need a loan now? If you’ve decided that a Payday loan in a store suits you better than online you’ll definitely wonder how to find the nearest to your location. We can give you some useful advice on how to find the quickest and easiest way:

  • First of all, check whether your state permits Payday and other short-term loans
  • Surf the Internet for Payday stores in your state and your city
  • Compare the best offers using COMPACOM.com
  • Specify your location to see the nearest stores
  • Go to the store to fill out an application form and get the money or start applying online to receive the cash later in a store.

If you live in a faraway place you may find it difficult to find many good options near you. So it would be a wise decision to get a loan online.

We reviewed the best Payday Loans direct lenders offering emergency cash advance both online and in a store near you. 

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.

 

GoGoPaydayLoans offers Payday Loans at affordable rates with convenient repayment terms. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $1000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day

$100 - $1000 Payday Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $100.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Loan By Phone offers Payday Loans, Installment Loans and Line of Credit.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $3000
  • Terms: Varied
  • Rates and fees: Vary by state
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Line of Credit
  • 21 years of age
  • Social Security Number
  • Proof of Income (from your job, pension, welfare, or other source)
  • Valid email address
  • Active checking account (open for at least 90 days)
  • Current cell/home and work phone number
Pros
  • All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.
  • Flexible repayment.
  • Available in most states.
Сons
  • High interest rates.
  • If you don't pay back on time your data may be sold to third parties.

 

Indyloan.com offers Personal Loans online at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $5000
  • Terms: Vary by state
  • Rates and fees: Varied
  • Turnaround Time: 1 - 2 business day

Personal Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
Pros
  • Quick - no driving, waiting, faxing, paperwork.
  • High approval rate even for bad credit borrowers.
  • Online Payday cash advance with no collateral or co-signer.
  • 24 / 7 online service.
Cons
  • High interest rates.
  • Available not in all the states.
  • Only loans up to $5000 are available.

 

Same-day cash advance near me 

Short-term loans are usually used by people in an emergency situation. Naturally they mostly require the money as quickly as possible. Is same-day funding real? Yes, it is! If you borrow online, the money is promised to be deposited into your account within 24 hours. So it can be the same day, or it can come the next business day depending on the lender, processing time, the time when you applied, whether it was the beginning of the end of the working day.

In the case of applying in-store you have a 99% chance of getting the cash right away. Of course, it may take you longer to drive to the shop, to wait in a line, to do paperwork. But as soon as the application is processed and all your data are verified, you are lent the money you need. 

Read more: Same day Payday Loans

Online Payday Loans near me 

It may be more convenient for you to borrow online if you:

  1. Don’t have a car. An online payday loan can be more useful if you have some problems with transportation and the nearest store location isn’t within walking distance. Borrowing through the Internet, the full process — from applying to receiving your funds to repaying your loan — takes place online.
  2. Don’t need money immediately. Payday loans are designed to cover an emergency. But if you can wait about 24 hours for an online lender to process the application and deposit the money, you might save yourself a trip.
  3. Are an experienced borrower, rather educated about loans. 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 online.

Cash store near me vs Online Payday Loans 

 

Payday loans near me

Payday loans online

Amounts

$100 - $1,000

$100 - $1,000

Applying process

  1. Drive to a store
  2. Wait in a line
  3. Fill out an application
  4. Show all your documents
  5. Wait to get approved
  6. Get money
  1. Fill out an application form online
  2. Wait for it to be processed and approved
  3. Get the money deposited into your bank account
  4. Withdraw the money from the account

Processing

Verifying your ID, employment status, soft or no credit check, approving you or not for a certain amount of loan.

Checking your score, employment, and bank account, approving, depositing money.

Requirements

  1. You are the resident of the state
  2. You are over 18 years of age
  3. You have a permanent job and a stable income
  4. You have an open and active bank account
  5. You have a valid telephone number and e-mail
  1. You are the resident of the state
  2. You are over 18 years of age
  3. You have a permanent job and a stable income
  4. You have an open and active bank account
  5. You have a valid telephone number and e-mail

Documents

ID (driver’s license, or any government-issued ID), proof of income

None

Cost

APR + lender’s fees (depending on the lender)

APR + lender’s fees (depending on the lender). Can be cheaper due to more competitive prices

Legislation, reliability

All the stores must have a legal Government’s legislation, they are easier checked and controlled than online lenders.

There are both licensed lenders and scams, but we work only with reliable partners.

Repayment

When you apply for a Payday loan near me in a store, simply return on your due date to repay the total amount due. You can come into the shop to make a check payment or call to make your payment over the phone with a debit card or do it online.

When the loan is due the lender simply cashes your check, or withdraws money from your account.

Working hours

It depends on the lender.

24 / 7

Cash Loans near me from direct lenders: pros and cons 

Online lenders

Pros
  • fast: 1 minute to apply, instant approval, less than 24 days to get money;
  • easy and convenient: no driving, no paperwork, no waiting in lines;
  • applying is free and doesn’t affect your credit history;
  • funds go directly to your bank account, you don’t have to get cash, deposit it into your account or leave a postdated check;
  • accessibility: every person possesses a smartphone or laptop and can easily go online available for candidates with low (about 600) FICO credit score;
  • being able to compare a lot of lenders with their rates and fees at one time, which can be easily done with COMPACOM service;
Cons
  • There can be some scams, who want just to get your private information. So be careful, before applying check whether the lender is authorized and legal. You can do it with a quick Google search; go to https://www.trustpilot.com/, call the Better Business Bureau at https://www.bbb.org/, or speak with a customer representative for that company.
  • It sometimes can be rather expensive, you may be charged additional fees such as verification, database, administration fee. But it’s easy to avoid overpayment if you study and compare all the offers at first.
  • Even if you pay off the loan earlier than agreed there won’t be any prepayment penalties, but there won’t be any savings either.

 In-store lenders

Pros
  • personal contact and ability to see the lender, to discuss their conditions, to ask questions and get some help on the spot;

  • the specialists’ support and help, for example, in filling out an application;

  • sometimes at the front store you can receive money right on the same day whereas applying online you may wait till tomorrow;

  • stores are more easily controlled by state which means they are more likely to be legal

Cons
  • It may take a longer time than online lending which requires only a few clicks. 
  • If you want to compare loans, you’ll have to visit various lender locations, which means driving, losing time in traffic jams.
  • You have fewer options to choose from as they are limited to your location. 
Must know!
If you sent your loan request online before 10:30 am on workdays you can be eligible for same-day money deposit into your bank account. Applications made after 10:30 am till 8.00 pm are usually funded the next day, but exceptions may happen.

 Taking into account the enumerated advantages and disadvantages of online and in-store lending, we can say who they better suit. If you are an experienced borrower who values time and appreciates all the benefits of technological progress, apply for a Payday loan online. If you are still in doubt and have little information about cash advance and need some professional help, try front stores. On the COMPACOM website we offer you to compare both online and in-store lenders and make the right choice.

Payday Loans near me no credit check

As you can easily find online Payday Loans with no credit check, you can also apply for cash advance near you provided by a direct lender with no hard inquiry. It means the lending company is not going to contact any of the major US credit bureaus and check your history of previous loans and debts. It makes Payday Loans online and near you very fast and available on the one hand. On the other hand applying doesn't damage your score as it's not reported to the credit agency.

Payday Loans bad credit near me

If you've decided to apply for a Payday Loan in a store near your location and you are aware of your poor credit, you'd better find out in advance whether this lender provides bad credit Payday Loans. Though most of the lending companies do, it's better to check not to waste time in vain. Besides, clear up the rates as the interest can be a bit higher for subprime borrowers.

Keep in mind, bad credit Payday Loans are as highly available as cash advance for applicants with a good history. 

Payday Loan places near me alternatives: banks, credit unions, check cashers 

If you don’t want for some reason to borrow from a Payday store you can apply to the following institutions each with its own advantages and disadvantages:

Institution

Advantages

Disadvantages

Bank

  • Reliable,
  • legal
  • Most of them don’t offer short-term loans,
  • Require a bank account
  • Available only for their customers

Credit union

  • Lower rates
  • Available only for members

Check casher

  • Near you
  • Available for bad credit
  • Variety of services they offer
  • Easy and fast applying

 

  • Higher rates
  • Need to drive and wait in a line

Pawnshop

  • Easy
  • Get the cash right away
  • No credit check
  • Need a collateral
  • High APR up to 300%

Family and friends

  • No paperwork
  • No credit check
  • Easy and fast
  • Embarrassing
  • Can spoil relationship

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000

It’s up to you to decide which place to get your money from. Just make sure it’s the easiest and most advantageous way for you. And a good comparing service providing you with the most up-to-date verified information can be a good help to make your choice.