Easy

Up to $800 Instant Approval.

Secure

Secure e-commerce and confidential communication.

Low Rates

No hidden fee.

No Hassle

- Easy 3-Minute Application
- No Faxing Required

» Pay1Day is committed to helping customers receive a payday loan quickly with the most ease, convenience, as possible. With a secure and confidential 3-minute application, competitive rates, and friendly customer service, we are here to help your immediate financial needs between paydays from the privacy and convenience of your own home.

» Payday loans provide borrowers with a short-term payday cash advance loan intended to cover expenses in between paydays with repayment usually due during the next pay period.

» Payday loans help people receive cash quickly without a long application period or wait time. Payday loans are usually much easier and faster to obtain than a traditional bank loan. At Pay1Day, our application takes about 3 minutes to complete and we work with customers even if they do not have the best credit. Once approved, customers can get cash as soon as within the next business day with Pay1Day.

» No, we do not run a FICO credit check during the application process.

» With Pay1Day, you can get up to $800 deposited directly into your account as fast as within the next business day.

» Just fill out or easy 3-minute application and get an instant approval within minutes. Upon approval, you will be contacted by phone or email to confirm the amount of your cash advance and repayment date. If you have any questions or need to expedite the process, you can call our customer service support number at 1-888-729-1329.

   Full-time employment (not through a temp service) and/or S.S.I.
   Minimum of $1000 (after taxes) salary per month.
   Paid weekly, bi-weekly, twice a month or monthly.
   Active checking account in good standing.
   Minimum 18 years of age.

» If your payday is less than 8 days away, then your due date will be your next payday.

» At Pay1Day, we work with you even if you have have no credit or not-so-perfect credit.

» Our application process is done online so we do not usually require any faxing, however, in some cases, like increasing your loan amount, we will ask that you fax some additional documents.

» Upon approval, your cash will be deposited into your account as fast as within the next business day.

» Access to electronic records is provided by industry standard web browser software and the Internet. By your use of our web site, you affirmatively demonstrate your ability to receive records and present your signature electronically. Your records may be printed or saved to your computer at any time.

» No. The ACH Authorization can only be revoked AFTER we have received payment in full of the amount owed. Because our advances are single payment advances (that is, we advance a sum of money that is to be repaid in a lump sum), we are permitted to require ACH repayment in accordance with the federal Electronic Funds Transfer Act (EFTA.)

Under The EFTA, a lender cannot require a consumer to repay a loan by means of preauthorized electronic funds transfers as a condition to approving the consumer's loan. The term "preauthorized electronic funds transfer" is narrowly defined by the EFTA to mean "an electronic funds transfer authorized to recur at substantially regular intervals." As explained by the Federal Reserve Staff in its official commentary to the EFTA, "Creditors may not require repayment of loans by electronic means on a preauthorized, recurring basis." 12 C.F.R. 205, Supplement I - Official Staff Commentary, at 10(e) (1) (Loan Payments). As a one-time payment, the repayment of a cash loan is not encompassed by the EFTA's definition of "preauthorized electronic funds transfer," and is therefore permitted under the EFTA.

A short-term advance provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer-term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit counseling service in your community. You will be charged additional fees if you renew/extend the advance.

» CFSA is short for The Community Financial Services Association of America (CFSA) was established in 1999 to ensure consumer confidence and long-term success of the payday cash advance industry. CFSA promotes legislations and regulations that provides payday loan customers with consumer protections.

» Due to state and verification requirements, Pay1day.com does not make loans for military personnel.