Payday Loans Near Me – 1,000s of Locations

Are you looking for a payday loan near you? The quick loan you need maybe just be a few blocks away!
Author: thadues
Last Updated: February 4, 2020

Are you looking for a payday loan nearby? No problem.

Many legit payday loan providers identify there’s a huge digital divide when it comes to the use of technology, so they accept storefront applications at their various brick-and-mortar locations. The application process is seamlessly fast, and if successful, you walk out with cash just after a few minutes. The greatest challenge, though, lies in finding these locations.

Here we guide you on how to locate these locations. You never know you might like the experience of applying for the loan in person.

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    Apply for a Payday Loan Now! | Best Payday Lender 2020

    Our Rating

    Viva payday loan app company logo
    • Loans From $100 to $15,000
    • Instant Application & Approval
    • Bad Credit Considered
    • Lenders From All 50 US States Onboard
    Viva payday loan app company logo

    How to Find Payday Loans Near Me

    Here are simple steps to help you identify payday loan locally.

    In the mean time, if you’re in a hurry why not apply online with one of our recommended payday loans companies instead!

    Reviewers Choice
    Apply for a Payday Loan Now! | Best Payday Lender 2020
    Available Loan Amount
    $100 - $5,000
    Available Term Length
    3 months
    Representative APR
    5.99% to 35.99%
    Min Credit Score
    FICO Fair
    Loan Solo
    Available Loan Amount
    $100 - $1,000
    Available Term Length
    6 - 9Months
    Representative APR
    200% - 2290%
    Min Credit Score
    Nil (soft check)
    Extra Lend
    Available Loan Amount
    $100 - $ 3,000
    Available Term Length
    6 months - 2 years
    Representative APR
    4.99% - 1386%
    Min Credit Score
    Nil (soft check)
    My credit advance
    Available Loan Amount
    $ 100 - $ 5,000
    Available Term Length
    Varies with the lender
    Representative APR
    4.99% - 1386%
    Min Credit Score
    Nil (soft check)
    Personal Loan Online.net
    Available Loan Amount
    $ 100 - $ 35,000
    Available Term Length
    2 – 72 months
    Representative APR
    5.99% - 35.99%
    Min Credit Score
    540 FICO

    Find out if payday loans limit are legal in your state

    Many states have statutes against payday lending. Before you even embark on your search, it’s essential to know your state’s legal stand on payday loans. Some states allow while others ban them. If your state has banned such loans, you might want to consider other alternatives, such as tribal loans, installment loans, or credit card loans.

    Also, it should interest you to find out your state regulations on the maximum loan amount, rate caps, if any, and a cool-down period. Usually, you would want a legitimate lender that conforms to the rule of law and the local lending rate limits.

    Currently, payday loans are illegal in the following areas:

    • Arizona
    • Arkansas
    • Connecticut
    • Georgia
    • Maryland
    • Massachusetts
    • New Jersey
    • New York
    • North Carolina
    • Pennsylvania
    • Vermont
    • West Virginia
    • Washington DC

    Search Online and List all Lenders Near You

    Many online payday loan lenders operate brick-and-mortar locations to cater to those who they cannot serve online. And even if a lender doesn’t offer loans online, it still maintains a website where they highlight their products and services. List all the lenders within your reach. Also, keep it in mind that the internet has so many quakes that prey desperate borrowers. So, be meticulous in your research to only list credible payday loan lenders. The number of lenders you get will depend on the area you live and the legality of this lending business. You might have minimal options if you live in a remote area.

    Compare and Contrast the Rates

    Payday providers, like any other business, will use their website as a customer information box. So scan through the lenders you’ve identified and weed out those with no stores to remain with your potential lenders.

    You may need a loan, but a lender should not punish you for it, so shop for the best rates. Check the terms and conditions each provider offers. Here, compare the potential amount, the maximum number of days you can hold it, and the cost in terms of interest and any applicable fees.

    Choose a few top providers and check them out

    With all the offers at your disposal, pick two or three providers and pay each a visit. Walking into a store allows you to bargain for a lower rate as there is a personal touch. The personal interaction gives you the first-hand feel of the lender’s customer service, and you may also get to interact with the person who will be handling your loan.

    Pick and your lender and apply for the loan

    When picking out one, take your time to find out what other people, who have previously used the lender, are saying. As they say, every rumor has an atom of truth. You want a lender that would listen to you in case problems manifest. Don’t ignore the red flags. Dig deep into the company and only choose it if you are confident they are legitimate, the most affordable, and the most outstanding payday loan lender locally.

    With this information, when you walk into their store, you already know what to expect. Now, go back to the store, but this time to see through your application. Some lenders may even allow you to start the application online but pick up cash at the store.

    Pros and Cons of Payday Loan Stores


    • Quick and easy loan application.
    • You enjoy personalized customer assistance.
    • You can negotiate for a better rate in person.
    • The stores are near you.
    • No hidden fees, the lenders take you through the application.
    • Instant cash saves you the trouble of waiting for bank processing.
    • Your information is safely protected as you don’t share them online


    • Operate only during the standard business hours.
    • The process is tedious since you walk from store to another comparing cost.
    • The fees may be higher to cater for overheads due to the expanded workforce.
    • You might have the challenge of managing your loan, unlike those who use apps.
    • Manual verification may take time compared to the online process.
    • You may not get the best bargain near you.

    Top Payday Lenders with Storefront Locations

    Here are five top providers that operate online but have physical locations across different counties in various states:

    1. Speedy Cash

    Speedy Cash, also called Rapid Cash in some states, lives up to its name, providing quick emergency loan services across several states. Although it offers internet loans, it also has storefronts where it offers its products.  Their uniqueness lies in the fact that you can negotiate for rollovers whenever your things are not working for you.


    • Seamless and quick storefront application.
    • Instant funding.
    • Licensed lender.
    • High credit limits at the storefront ($2,500)
    • Friendly customer support.
    • They consider you, even if you have bad credit.
    • Highly recommended by previous users.


    • High interest rate, up to 651.79% in some states.
    • While rollover is a good thing, the loan can easily overwhelm you.


    2. Check N Go

    Check ‘n Go provides multiple quick loan products both online and across its numerous stores spread across different states in the country.

    Its products include payday loans, installment loans, credit card loans, and check cashing.

    To get a loan, identify a Check ‘n Go location using its online store locator. The rest is as simple as ABC as you provide the information about yourself and your finances and submit your application for approval. If you are successful, you’ll walk away from the store with the funds.


    • It as a simple and convenient application in-store process.
    • Quick funding
    • Licensed lender.
    • They consider you, regardless of your credit status.
    • It has multiple loan products.
    • Friendly support team.
    • Available in at least 27 states.


    • Expensive fees make them hard to afford
    • Limited loan amounts
    • Not available in every state, and in some states it doesn’t offer payday loans.

    3. Advance America

    Advance America provides in-person lending and online loans to people with less-than-stellar credit at more than 1,900 physical locations across the country. Some of its products includes payday loans, title loans, installment loans, and personal lines of credit. It offers as little as $50 and up to $1,075, but .these limits vary by state


    • In-store application.
    • Quick funding
    • Licensed lender.
    • Accept bad credit.
    • It offers alternative loan products.
    • Friendly support team.
    • Available in at least 28 states.


    • Expensive fees make them hard to afford
    • Offers a low loan limit.
    • It may not be available in your state

    4. Check Into Cash

    Over the last 20 years Check Into Cash has been offering payday loans and other emergency loan services to its customers spread across the US. With over a thousand retail outlets, one may be just a few meters away from your home, workplace, or school.

    You can apply for loans of $100 up to $3,000. To apply, you must be 21 and need to present a valid identification document and proof of minimum qualifying monthly income, which vary from state to state. If your request sails through, you walk out with your funds on the same day, the next business day at the very least.


    • Quick and convenient in-store application.
    • You can borrow money for just anything.
    • Bad credit is acceptable.
    • It offers a wide variety of quick loan products.
    • Reliably friendly customer support.
    • Available in at least 28 states.
    • Licensed reputable lender.


    • High service fees and finance charges which vary with your state.
    • Offers a low loan limit.
    • It may not be available in your state

    5. ACE Cash Express

    ACE Cash Express provides an easy to apply emergency cash and quick loan lender with more than 1,500 retail locations across the country.  In some states, however, the lender plays, like Ohio and Texas, it plays the role of a loan broker by selling loan products from other lenders. Nevertheless, it guarantees almost instant approval for short-term personal loans, title loans, installment loans, and settling bills. In addition, it funds prepaid debit cards and can offer you cash for post-dated checks. But would that guarantee it as the ultimate choice? Here are its pros and cons.


    • Quick process in-store and online application.
    • Instant cash for in-store applications.
    • It offers a range of unsecured loans.
    • No prepayment penalty.
    • Soft-credit verification
    • Bad credit accepted


    • It is limited to specific states.
    • Not all its loan products are available in every state.
    • It’s a broker in some states like in Texas and Ohio.
    • Very high-interest rates for short-term loans

    Eligibility for an in-store Payday Loan

    As mentioned earlier, and you’ve learned from the above examples, most online payday loan lenders also operate in-store lending services. So, the application criteria remain the same, whether only or at the store. But on the bright side, at the store, you get to explain your case in person. Whatever your case, though, you should meet the following eligibility requirements:

    • Must be 18 years or older. (Some lenders have this at 21 years.)
    • Must meet your lender’s minimum income requirement.
    • Should be a permanent resident of the state.
    • You may to provide a post-dated cheque or provide a checking account with an active debit card.
    • Must have a reachable phone number.
    • Must provide your Social Security or Tax ID.

    In storefront applications, you must not necessarily provide an email address. Also, you don’t need to provide your debit card if you have issued the lender with a post-dated cheque.

    If you qualify for the loan, you’ll fill and submit the forms to your chosen provider. But then again, before they award you the credit, you’ll need to agree to its terms and conditions. Your provider will serve you with an agreement form indicating the amount you are borrowing and at what APR, plus all the applicable fees and your repayment date. Once you sign the agreement, you can get the money immediately or a few hours later, depending on your lender.

    Repayment of cash loans near me

    There are two ways to repay in-store payday loans:

    Post-dated checks

    When you apply for a payday loan at the store, you may write the provider a post-dated check for the amount you want to borrow, including the incurred fees and interest. They bank this check on your loan due date.


    If you don’t provide a post-dated check, you must give an Automated Clearing House authorization (ACH) to enable the lender to withdraw money from your bank electronically.

    In case you can’t pay the loan when it’s due, a lender will call fees and roll it over to extend the loan period. However, some states have outlawed rollovers while others limit the number of times you can do it.

    Final Word

    In-store and online payday loans are almost similar.  They both offer you access to quick cash, and virtually every lender has both options. But the two deliver contrasting experiences. Online payday loans remain ideal for internet-savvy individuals seeking fast cash at the comfort of where they are, any time of the day. However, borrowers have less information about the product. On the other hand, older and a few young people love the in-store option for its personalized service and the fact that you receive your money in person or through a convenient method of your choosing. On the flip side, the borrower can only access these stores during standard business hours.


    Must I write a post-dated check to get a payday loan?

    No! A payday loan is offered to you with your paycheck as the security, so you pay the money on your next payday. To facilitate this, you can either write the lender a post-dated check or grant them access to your account by authorizing ACH such that they automatically deduct the amount on the due date.

    Can I have the funds deposited in my bank account at a payday store?

    Yes. Most lenders prefer to pay you through your account. However, you can choose to walk away with cash as well.

    Why do I’ve to provide my pay stub and employer information?

    Before the lender awards you a loan, they must make sure you are in a position to repay the loan, not just for the business, but also as a legal requirement. What’s the better way to know your financial ability if not by checking your source of income? The information in your pay stubs proves your ability to meet your loan obligation.

    Can in-store lender fund my prepaid debit card?

    Yes! Some lenders offer payday loans for that specific purpose. However, you must confirm with your lender to find out if they are open to such an arrangement before you agree to the loan.

    Do Payday loan stores offer an extension?

    Yes, most lenders will allow you to rollover your loan subject to applicable fees and the existing state law on the same. However, extensions increase the cost of your credit. It would be better to talk to your lender to work our an amicable plan to repay your loan.

    Other Locations for Payday Loans Near You

    All trading carries risk. Views expressed are those of the writers only. Past performance is no guarantee of future results. The opinions expressed in this Site do not constitute investment advice and independent financial advice should be sought where appropriate. This website is free for you to use but we may receive commission from the companies we feature on this site.

    Thadeus Geodfrey has been a contract writer for Lernbonds since 2019. As a fulltime investment writer, Thadeus oversees much of the personal-finance and investment-planning content published daily on this site. With a background as an iGaming expert and independent financial consultant, Thadeus’s articles are based on years of experience from all angles of the financial world.

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