A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday."[1][2][3] The loans are also sometimes referred to as "cash advances," though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries, and in federal systems, between different states or provinces.

If you have money socked away in a 401(k), your plan may offer you an option to borrow up to half your account balance at a low interest rate and repay it within five years. Sounds appealing, but there are two major issues: 1) Your money can’t grow if it’s not in your account, and 2) you’re likely to keep doing it, which compounds the first problem.
Our online service is entirely free and works to find potential lenders in our network. Simply fill out our secure online form, then hit the SUBMIT button. If we find a possible lender, you will be presented with the next steps to complete your loan request. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline. In addition to traditional loans, some lending partners in our network may offer lines of credit. We encourage you to always read the terms of your loan thoroughly before accepting them, no matter where you get your loan.
We have been Licensed by the State of Michigan for over 10 years. When you are in need of cash, we are here to help. With cash advances up to $600.00, our payday loans provide a short term financial assist, without the long term obligation. Apply in person at any of our 28 locations throughout the state of Michigan. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions.

To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. In the United States, the rates of these loans used to be restricted in most states by the Uniform Small Loan Laws (USLL),[4][5] with 36–40% APR generally the norm.


Disclaimer: This service is not a lender and therefore cannot determine whether or not you are ultimately approved for a short term loan, nor can we determine the amount of credit you may be offered. Instead, we facilitate business relationships between consumers like you and the lenders in our network. Our purpose and goal is to match you with one or more lenders from within our network who can provide you with the cash you need in an emergency. We will never act as an agent or representative for any of our lenders, so you can rest comfortably in the knowledge that you will receive fair and competitive offers.

PayDay was first introduced in 1932 by Frank Martoccio. Martoccio founded the F.A. Martoccio Macaroni Company, and also later served as head of the Hollywood Candy Company. Hollywood also produced the ZERO bar.[1] In 1938, Hollywood moved to Centralia, Illinois. In 1967, the Martoccio family sold Hollywood Brands to Consolidated Foods, which later became Sara Lee. Fire destroyed the Centralia plant in 1980. Production of the PayDay bar continued with help from the L.S. Heath and Sons Company until a new facility could be constructed. In 1988, Hollywood Brands was acquired by the Leaf Candy Company, and then later became part of The Hershey Company in 1996.
On 11 November 2015 Overkill announced the contents of a previously sold DLC investment called the "Completely Overkill Pack" would be a single random skin unique to said pack with a special EXP or Money boost for the team, after promising originally that the contents of the pack will be completely cosmetic. They also announced that seven other DLC packs would be made available for free to owners of the pack, but again, fans backlashed against this seemingly unfair revelation, including the people who bought the Completely Overkill Pack, as the store page for the pack declared it would not contain one of the DLC packs it ultimately contained, and it left the people who bought both the Completely Overkill and Overkill packs feeling short-changed. In response, Steam community moderators for Payday started a protest against this treatment abuse by fans by refusing to moderate the community until granted an interview with Almir Listo, producer of the game.[43][44]
We can not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or on the desirable terms, or receiving any approval from a lender in the first place. Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Cash transfer times and terms may vary from lender to lender. Not all the lenders in our network can provide up to $1,000. The limits and regulations vary from state to state. We remind that short-term loans are not a long term financial solution.

The report was reinforced by a Federal Reserve Board (FRB) 2014 study which found that while bankruptcies did double among users of payday loans, the increase was too small to be considered significant.[49][50] The same FRB researchers found that payday usage had no positive or negative impact on household welfare as measured by credit score changes over time.[51]
Payday loans have been in the news a lot recently, but not all short-term loans carry the same risks. LendUp Loans are an alternative to traditional payday loans from a licensed lender. A typical payday loan is exactly that: You borrow money against your next paycheck. However, borrowing against your paycheck often imposes several restrictions on this type of lending:
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