Submit Online Application
Complete the online payday loan application. Start by clicking on the button below.
Get Approval Status
You will get the status of your application in minutes! Many applicants will be approved without any additional documentation, while others may be required to fax or email us a recent bank statement.
Get your cash!
Once your cash advance application has been approved, you'll get the cash you need overnight via an electronic transfer to your checking account.
Isn't that easy?!
Need a Cash Advance Loan Before Pay Day? Payday Loan Today Specializes In Online Payday Loans
At Payday Loan Today we offer fast, safe, and friendly service so you can secure the money you need with minimal qualifying hassles. If you have a regular monthly income that is directly deposited into your checking account, you prequalify to borrow up to $500. Your application will be processed the same day you apply, so your funds will be in your bank account the next day (excluding weekends or holidays).
Short On Cash? Get A Cash Advance Loan Online Today!
We understand emergencies happen. When you need cash fast, we can help you find relief without the long applications or unnecessary paperwork. Fill out our quick and easy online application today and receive the finances you need tomorrow. Payday Loan Today is an online cash advance service for today’s customer.
Live Personal Customer Service
Our live personal customer service is available to assist you Monday - Friday from 8:30am – 4:00pm Pacific Time (11:30am-7:00pm Eastern Time). Fast payday loans and loan extensions requests entered by 3:00 pm Pacific will be processed the same day-and posted to your account the following business day.
Implications of Non Payment – We Work with Our Customers!
At Payday Loan Today we do not engage in aggressive collection practices and are willing to make payment arrangements on delinquent balances, when needed. We have several options to assist our customers with resolving delinquent balances, but we need you to communicate with us. We ask that all customers contact us immediately if they become aware that their loan payment is being returned to us unpaid. If there is no communication with us, delinquent balances over 90 days will have to be reported to the credit reporting agencies and legal actions may be taken to retrieve payment, which could impact your credit score.
If your payment is returned to us unpaid, you will be charged a $15 returned item fee. If your loan payment is returned more than once, you may be charged $15 for every returned item we receive up to $45. However, we do not increase your interest rate when your loan goes into default.
Renewal Policy – Two Options for Online Payday Loans
We understand that sometimes things come up. If you are unable to pay your loan with us in full by the agreed upon due date, you can take advantage of two renewal options.
1. You can extend your loan due date, paying only the loan fees that have incurred on the original due date. You will have the option to choose a new loan due date within the next 30-days, where new fees will apply.
2. You can extend your loan due date with a buy down, with allows you to pay the fees plus an additional amount of your choice that will be applied toward your principle loan balance. The extension fee and the buy down amount are due on your original due date. You will have the option to choose a new due date within the next 30-days, where new finance charges will be applied to the new, lower principle balance.
These renewal options are not automatic, but it is quick and easy to submit your extension or buy down request online. The deadline to submit your request is 3:00pm PT (6:00pm ET) the business day prior to your scheduled due date.
How Much Does a Payday Loan Cost?
Our loan fees are based on the amount borrowed and the length of time you have the loan out (i.e. the loan period). We also charge a small transaction fee for each loan based on the finance charge incurred. Loans up to $300 are charged an 11.9% transaction fee, and loans from $301-$500 incur a 7.9% transaction fee.
A Responsible Lender, Delivering Responsible Payday Loans Online
We offer a short-term financial solution to assist customers who have temporary cash flow problems. Payday loans are not intended to be taken out for long periods of time. We encourage responsible borrowing and advise those who have more serious long-term monetary concerns to seek financial counseling.
It is important to understand how the loan period and the APR are related. Payday advance loans are often criticized for having a high annual percentage rate, but the loan periods are extremely short and not intended to be as long as a year. We want to be completely transparent about these rates before you apply so you understand the real costs.
If a customer borrows $250 for a loan period of 15 days, the interest rate would be $17.50 per $100, for a complete financial charge of $43.75. We would also charge a transaction fee of $5.21 for a total of $48.96. What that means is that your total payback amount is just $298.96, which works out to be a representative APR of 476.54%. The APR may seem high, but the short term of the loan means the payback amount remains manageable.
We Are Here to Help You!
At Payday Loan Today, we have trained specialists who are ready to help you understand your options and make sure you have the cash you need, when you need it. If you have questions, or need assistance, please feel free to contact us.