Payday loan USA markets have been growing rapidly ever since traditional banks started to move away from small-dollar amount loans in the early 1990s.
To fill this gap in financing, and at the same time, to provide an
alternative to the rising late payment fees and bank overdraft expenses,
many cash advance started to emerge and expand within the country.
In the US, payday advances are typically loaned against the customers ability to pay back the loan on the next payday, meaning having a steady job is a central requirement to getting a payday loan.
Other typical requirements include permanent US residency and an active bank checking account, especially if the loan is done online.
However, many of the payday lenders do not do a credit check as part of the loan processing, meaning that even people with bad credit are eligible to apply to get one of the loans.
Similarly, most cash advance loans in the United States do not require collateral to be completed, nor guarantors, apart from having a steady employment.
Both online and in-store, the loan application processing is a very fast event, often taking just 10-15 minutes.
In-store, once approved, the applicant often writes a personal check, to which the company hold onto until the next payday, when the loan is paid back.
Online payday loans, meanwhile, usually take advantage of direct deposits, so that the approved loans are paid directly to the customer's bank account, and on loan due date, the loan amount (plus applicable fees) is debited directly from the same account.
Payday lending is legal and regulated in 37 states, whereas 13 states
have either regulated the industry so that it is not feasible, or
alternatively, that payday lending is not legal in that particular
Typical restrictions in state legislature include caps on the amount a customer can borrow from the company, the maximum number of loans, as well as caps on how much the annual percentage rate (APR) can be at maximum for the loans.
Many states also require the payday lending companies to register with the state and get a license to operate as a cash advance provider in that state.
Since 2007, there has also been federal law regulating payday lending to military personnel, which has capped the maximum APR percentage for those types of loans.
Payday advance loan Virginia are a popular way to gap short-term money management needs, and you have options to take one of these loans either online or in-store.Payday Advance Loan Virginia
Louisiana payday cash advance are a very popular short-term financing alternative, with one of the highest concentrations of payday lenders in the country.Louisiana Payday Cash Advance
Cash Advance Columbus Ohio loans are available from several companies, including ACE Cash Express, with a variety of financial products from these outlets.Cash Advance Columbus Ohio
Payday loan Santa Ana is available from several cash advance operators, including ACE Cash Express, as well as online (throughout the state).Payday Loan Santa Ana
Payday loan in Texas is available from over 3,500 stores, with Austin-based EZMONEY one of the most popular companies in the state.Payday Loan in Texas
Oklahoma payday loan products are available from some 400 cash advance companies, operating throughout the state, as well as online.Oklahoma Payday Loan
Advance Cash Detroit is available in-store from payday loan chains such as Advance America, as well as online from CashNetUSA and others.Advance Cash Detroit
Cash and check advance Boston is mostly available for check cashing services, but NOT for the payday loans.Cash and Check Advance Boston
Cash and check advance Minneapolis companies for payday loans have to be licensed to operate in the state, so always check their status.Cash and Check Advance Minneapolis
Cash and check advance Milwaukee lenders such as ACE Cash Express, are regulated and licensed by Wisconsin Department of Financial Institutions.Cash and Check Advance Milwaukee
Cash and check advance Tampa providers include ACE Cash Express, which has a total of 11 locations near Tampa, Florida.Cash and Check Advance Tampa
Payday loan Richmond Virginia lenders include QC Financial Services, Advance America, and Check ‘n Go.Payday Loan Richmond
Cash and check advance Louisville Kentucky is available from, among others, Advance America, the largest payday lender in the United States.Cash and Check Advance Louisville
Cash and check advance Cincinnati is available from, for example, Advance America's 13 locations within 20 miles of the city.Cash and Check Advance Cincinnati
Advance cash check Cleveland alternatives include many of the 1,374 payday loan companies operating in the state.Advance Cash Check Cleveland
Cash and check advance Chicago types include payday loans, payday installment loans, and small consumer loans.Cash and Check Advance Chicago
Licensed cash advance loan Michigan lenders list includes Advance America, the consumer finance subsidiary of Grupo Elektra.Cash Advance Loan Michigan
Cash and check advance Birmingham providers include Advance America, the nation's no.1 payday lender, with 20 stores in the area.Cash and Check Advance Birmingham
Cash and check advance Dallas operators include Austin-based EZMONEY, which has 16 payday loan outlets near Dallas.Cash and Check Advance Dallas
Cash advance Portland Oregon is available from a selection of the 65 total payday lenders operating in the state.Cash Advance Portland Oregon
Payday loan Sacramento providers include ACE Cash Express (8 locations) and Advance America (21 locations).Payday Loan Sacramento
Idaho payday cash advance services are available from around 213 companies operating throughout the state, according to the Idaho Consumer Finance Bureau.Idaho Payday Cash Advance
Cash and check advance Honolulu is available from both bricks-and-mortar stores in the city, as well as from online payday lenders, such as CashNetUSA.Cash and Check Advance Honolulu
Cash and check advance Seattle is available throughout the city, with the state having around 85 payday lenders operating in over 420 locations.Cash and Check Advance Seattle
Cash and Check advance Tulsa providers include Advance America, in a state which has the highest payday loan usage in the country.Cash and Check Advance Tulsa
Fort Lauderdale cash advance services are available both online from internet payday lenders as well as from the brick-and-mortar stores throughout the state.Fort Lauderdale Cash Advance
Payday loan Kansas City outlets are available from ACE Cash Express, with four locations, and Advance America, with 26 locations.Payday Loan Kansas City
A payday loan in California has been available since 1997, when the products became legal, and payday lenders are regulated in the state by The California Department of Corporations (DOC).Payday Loan in California
Payday advance loan Missouri products are available from around 1,275 locations, with over 2.8 m of these loans being taken annually in the state.Payday Advance Loan Missouri
Cash and check advance Omaha Nebraska providers are regulated by Nebraska Department of Banking & Finance, with the available companies including Decker’s Cash Depot.Cash and Check Advance Omaha
Cash advance Riverside services are available throughout the region, having gained popularity since the early 1990s both locally and nationally.Cash Advance Riverside
Payday loan Delaware lenders includes Advance America, the nation's largest provider of these debt instruments, with 20 locations in the state.Payday Loan Delaware
Advance cash loan Utah providers are regulated and overseen by The Department of Financial Institutions.Advance Cash Loan Utah
Cash and check advance Oakland services are available from a selection from the total of over 2,500 payday loan outlets operating in the state.Cash and Check Advance Oakland
Payday loan Massachusetts services are not specifically prohibited in the state, but the state heavily regulates the maximum annual percentage rates (APRs) of every debt product.Payday Loan Massachusetts
Payday loan Las Vegas companies include Check City, which also has outlets in North Las Vegas, Henderson, and Reno in Nevada.Payday Loan Las Vegas
San Francisco payday loan lenders range from Advance America (with four outlets), to licensed online cash advance companies.San Francisco Payday Loan
Utah payday loan lenders conduct their business under the supervision of the state's Department of Financial Institutions.Utah Payday Loan
Cash advance Miami firms include Advance America, with a total of 27 locations within 20 miles of Miami, Florida.Cash Advance Miami
Cash advance Omaha providers range from the locally-owned Decker's Cash Depot - Omaha to the nationwide Advance America franchise.Cash Advance Omaha
Payday cash advance Illinois companies have a total of an estimated 547 locations throughout the state.Payday Cash Advance Illinois
Cash advance Oklahoma City providers range from the locally-owned Federal Cash Advance to the national Advance America franchise.Cash Advance Oklahoma City
Payday loan Florida services are available throughout the state, including Check 'n Go, which has a total of 56 outlets for cash advance in FL.Payday Loan Florida
Payday loan Rhode Island are a popular alternative form of short-term financing, with a total of over 140,000 such loans being made in the state annually.Payday Loan Rhode Island
Payday advance loan New Mexico services are available from about 117 locations throughout the state, making over 80,000 loans annually.Payday Advance Loan New Mexico
Payday loan Indiana laws regulate many aspects of the industry, including the minimum and maximum loan amounts, as well as minimum terms of the lending.Payday Loan Indiana
San Diego payday loan companies include Check 'n Go with four stores in the city, and Advance America with 15 locations within 20 miles of San Diego.San Diego Payday Loan
Popular cash advance Fort Worth providers include Check 'n Go, Advance America, and the Austin (TX) based EZ Money.Cash Advance Fort Worth
Nebraska payday advance lenders include Check 'n Go, a national franchise with a total of 13 statewide outlets for cash advances.Nebraska Payday Advance
Payday loan Wisconsin providers are regulated and licensed by the Department of Financial Institutions, which also publishes research on the industry.Payday Loan Wisconsin
Payday loan Colorado alternatives include EZ Money, ACE Cash Express, and Advance America, plus many licensed online options for cash advance loans.Payday Loan Colorado
Cash Advance Denver lenders range from Moneytree Inc to Advance America, each providing installment loans with longer payment terms.Cash Advance Denver
Alternatives for cash advance Kansas City range from the largest payday lender in the US, Advance America, to a locally owned company, Waldo Financial.Cash Advance Kansas City
Cash advance St Louis providers range from the Check 'n Go franchise with three stores, to Advance America with 16 locations within 20 miles of the city.Cash Advance St Louis
Your payday loan Nevada alternatives include Check City, with a total of 33 locations, as well as the Check 'n Go franchise of payday outlets.Payday Loan Nevada
Cash advances should be used for short-term financial needs only, not as a long-term financial solution.
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