Disclosure

Customers choose a payday loan or cash advance for unexpected expenses such as car repairs, paying rent on time, to preserve their credit rating, or avoiding late payment penalties.

A payday loan is a short-term unsecured advance intended to be paid off quickly and is often used in situations where cash is needed quickly. With a payday loan you are charged a flat fee regardless of when your loan is paid. As the name implies, a payday loan (or cash advance) is a small, short-term loan that is due on your next payday. To apply for a payday loan, you can use our online form.

Payday loans and cash advances provide a means of acquiring cash of up to $1500 (but between $200-400 for first time applicants) in a very short amount of time. Compared to a bank, which can take 1 – 2 weeks to process a loan application, a payday loan is often your fastest way to get the cash you need when you need it most.

Most banks are unlikely to loan under $1500, making a short-term cash advance one of the most viable options for unexpected expenses, or when you just want money for the weekend but can’t wait until payday.

A payday loan isn’t always for everyone, but when you consider that if your utility bill was going to be paid late and you were facing a $47 late/reconnect fee, rent was due, or you were concerned about protecting your credit rating, it might start to make sense. Used responsibly, a short term loan it can help in numerous ways.

It is important to understand that payday loans are for short-term cash management and not intended for larger financial issues that credit counseling might resolve. The use of a payday loan is as explicit as the name implies and should be used as such.

Please note that a short term loan is an unsecured loan that provides the cash needed to meet an immediate need and that it should not be misinterpreted for a long term solution for financial problems that financing, credit counseling, or consolidation may be more appropriate.

The table below provides the fees associated with the cost of borrowing with Zip19.com:

This service may or may not be available in your particular state.
The states this site services may change from time to time without notice.