Are you looking for a payday loan nearby? No problem.
Across the many payday loan providers, there is a huge digital divide when it comes to the use of technology. Some accept storefront applications at their various brick-and-mortar locations, while some are exclusively online. For those that want the confidence of being able to talk to a representative in person, the biggest challenge comes in finding reputable providers in your area. Afterall applying in-store removes any questions, is seamlessly fast, and if successful, you walk out with cash just after a few minutes.
Here we guide you on which reputable providers operate near you, and which providers are legally allowed to operate in your state.
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How to Find Payday Loans Near Me
Here are simple steps to help you identify payday loan locally.
In the meantime, if you’re in a hurry why not apply online with one of our recommended payday loan companies instead!
Find out if payday loans 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 payday 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 the 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:
- New Jersey
- New York
- North Carolina
- 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. In some rare situations where a lender doesn’ have an online application service, they often still maintain a website where they highlight their products, services, and locations within your reach.
Keep it in mind that the internet has so many less than reputable players that prey desperate borrowers. So, be meticulous in your research to only approach credible payday loan lenders. The number of lenders available in your area is often dictated by the population in the area or your proximity to big cities. If you don’t have many brick and mortar lenders in your area try to exercise caution and only approach the ones you know are legitimate.
Compare and Contrast the Rates
Payday providers, like any other business, will use their website as a customer information center. Take time to read 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. Compare the potential borrowing limits, the maximum number of days you can hold it, and the cost in terms of interest rate 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 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 your payday loan lender and apply for the amount you need
When picking your payday loans company, take your time to find out what other people who have previously used the lender are saying. You want a lender that will listen to you in case problems manifest. If the online sentiment for a potential provider is raising red flags then be cautious. 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 complete 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
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 a cash advance service through the internet, 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.
- High credit limits at the storefront ($2,500)
- 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 (cash advance), 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 payday loan funds.
- It as a simple and convenient application in-store process.
- They consider you, regardless of your credit status.
- Quick funding
- 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 payday 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.
- It offers alternative loan products.
- Accept bad credit.
- 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 a cash advance from $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 passes through without problems, you walk out with your funds on the same day or the next business day at the very least.
- Quick and convenient in-store application.
- You can borrow money for just anything.
- It offers a wide variety of quick loan products.
- 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, 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 a settling bills service. Additionally, it funds prepaid debit cards and can offer you a cash advance for post-dated checks. 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.
- 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.
Eligibility for an in-store Payday Loan
As mentioned earlier, and demonstrated in the above examples, most online payday loan lenders also operate an in-store lending service. In most instances the application criteria remains the same, whether it’s online or in-store. The benefits of going into the store directly is that you get to explain your case in person. Whatever your personal circumstances, you will need to meet the following requirements for eligibility:
- 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 any cash loans, 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 interest rate, 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.
Payday loans near me no credit check
For those looking for a payday loan with bad credit, there are a number of providers that will offer a cash advance with no credit check. There are limitations for no credit check payday loans in some states where they have been made illegal, but there are similar services that are accessible such as Tribal Loans, which are payday loans in all but name. They operate on different rules governed by the native American community on Tribal land. The other option to local payday loans with no credit to go for a longer-term bad credit personal loan. We have an entire resource dedicated to providers that offer finance to those that want to avoid a credit check. You can find the details for no credit check loans here.
Repayment of cash loans near me
There are two ways to repay in-store payday loans:
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. The payday loan provider will 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.
Whether you go In-store or apply online for a payday loan the end product will be the same, the only thing different will be the experience. They both offer you access to quick cash, and virtually every lender has both options. 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, the onus in on the borrower to interpret the written information on the product correctly. On the other hand, using the in-store option for its personalized service, opportunity to ask questions and the fact that you receive your money in person or through a convenient method of your choosing, is a compelling choice. On the flip side, the borrower can only access these stores during standard business hours.
Glossary of Loan Terms
A credit score shows your creditworthiness. It's primarily based on how much money you owe to loan or credit card companies, if you have ever missed payments or if you have ever defaulted on a loan.
Guaranteed Approval is when, no matter how bad, your credit score its, your loan application will not get declined.
A Cash Advance is a short-term loan that has steep interest rates and fees.
Collateral is when you put up an item against your loan such as your house or car. These can be reposessed if you miss payments.
A Credit Limit is the highest amont of credit a lender will lend to the borrower.
Your Credit Rating is how likely you are to fulfil your loan payments and how risky you are as a borrower.
If you default on your loan it means you are unable to keep up with your payments and no longer pay back your loan.
The Interest is a percentage based on the amount of your loan that you pay back to the lender for using their money.
Fixed Interest Rate is when the interest rate of your loan will not change over the period you are paying off you loan.
If you miss a payment the lender will charge you for being late, this is known as a late fee.
The Principle amount the borrower owes the lender, not including any interest or fees.
This is the Interest Rate used by banks for borrowers with good credit scores.
A Secured Loan is when you put collateral such as your house or car up against the amount you're borrowing.
An Unsecured Personal Loan is when you have a loan based soley on your creditworthliness without using collateral.
A Variable Rate is when the interest rate of you loan will change with inflation. Sometimes this will lower your interest rate, but other times it will increase.
Having an AAA Credit Rating is the highest rating you can have.
A Bridge Loan is a short term loand that can last from 2 weeks up to 3 years dependant on lender.
An Installment Loan is a loan that is paid back bi-weekly or monthly over the period in which the loan is borrowed for.
If you obtain a Federal Student Loan to pay your way through College ten you loan is held with the U.S. Department of Education.
Financial Aid is funding available to post-secondary education students in America.
A Guarantor co-signs on a loan stating the borrower is able to make the payments, but if they miss any or default the Guarantor will have to pay.
Home Equity Loans is where you borrow the equity from your property and pay it back with interest and fees over an agreed time period with the lender.
LIBOR is the London Inter-Bank Offered Rate which is the benchmarker for
Debt Consolidation is when you take out one loans to pay off all others. This leads to one monthyl payment, usually with a lower interest rate.
💸 AMust 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.