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 borrow money. 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.

  • Payday Loans $100 - $1,000
  • Personal Loans $1,000 - $35,000


  1. Where can I get a Payday loan?
  2. What should I keep in mind choosing a lender?
  3. How to find the nearest Payday loan?
  4. Same-day funding in a store near me?
  5. When it’s better to consider Online Payday lender.
  6. How is borrowing in a Store near me different from Online lenders?
  7. Online or in-store lender: pros and cons.
  8. What are alternatives of payday stores? Banks, credit unions, check cashers.


Where can I get a Payday loan?

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.  CFPB found 15,766 payday loan stores operating  in 2015.1 

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 stores2.  

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 he 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.3

What should I keep in mind choosing a 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 too the state’s law and legislation and is licensed to give short-term loans
  • Takes care of 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 find the nearest Payday loan?

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 you location. We can give you some useful advice 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 and application form and get the money  or start applying online to receive the cash later in a store.

If you live in a far away 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.

Same-day funding in a store near me?

Short-term loans are usually used by people in emergency situation. Naturally they mostly require the money as quick 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 or the end of the working day.

In case of applying in-store you have 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. 

When it’s better to consider Online Payday lender.

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.

How is borrowing in a Store near me different from Online lenders?


Payday loans in a store

Payday loans online


$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


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.


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


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



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.


When you apply for a loan 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

Depends on the lender.

24 / 7

Online or in-store lender: pros and cons.

Online lenders

  • 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;
  • 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 charges 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

  • 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

  • It may take 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 to. 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 doubts and have little information about cash advance and need some professional help, try front stores. On COMPACOM website we offer you to compare both online and in-store lenders and make the right choice.

What are alternatives of payday stores? 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:





  • 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

Pawn shop

  • 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

  • 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.