Cash advance Omaha providers range from the locally-owned Decker's Cash Depot - Omaha to the nationwide Advance America franchise.
Payday loans are a form of short-term, small dollar amount debt, which
are typically paid back on the borrower's next payday, often within two
These loan products are not meant to be used as solutions to long-term financial problems, partly due to the high borrowing costs, as measured by annual percentage rates (APRs) of interest.
Therefore, even in the short-term, you should research alternatives to getting a payday loan in Omaha, including small consumer loans from local banks and credit unions, negotiating a salary advance from your employer, and getting a cash advance on a credit card.
Cash advance industry is very heavily regulated in the state, and you should familiarize yourself with the applicable payday loan laws in Nebraska, to fully understand your rights as a consumer.
For example, these laws regulate the maximum cash advance loan amounts, and maximum number of loans from one customer. These laws also have prohibitions on internet payday lending in Nebraska.
According to research on the subject, there are an estimated 57 payday lenders operating in Nebraska, with 26 of them, with 107 store locations present in the Omaha area.
These firms include four of the six largest national payday institutions, one of them being Advance America, the largest payday advance lender in the United States (with a total of over 2,400 outlets).
Advance America's "Store Finder" tool returned 9 locations within 20 miles of Omaha, NE.
From these outlets, you can get a range of financial services, ranging from cash advances, MoneyGram services, tax services, to VISA prepaid cards, and check-to-card (an alternative to check cashing).
Another popular alternative is the locally-owned Decker’s Cash Depot, which has been in business for over 15 years, and operates 5 locations in Omaha, Nebraska.
In fact, out of the all payday loan lenders in Nebraska, an estimated 60% are locally owned, and have their headquarters in Omaha.
Cash advances should be used for short-term financial needs only, not as a long-term financial solution.
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