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What is a payday loan?

A payday loan, payday cash advance, or cash advance is a short term loan for times when you need extra cash before payday. Its a quick and confidential way to get a cash advance until your next paycheck.

What can I use a Payday Loan for?

A fast cash advance from AAA Payday Cash can help you with anything from a tight spot in your budget to emergency situations. You can use it for Back-to-School shopping, Christmas shopping, to avoid overdrafts and late charges, utilities bills and car repairs. Your payday loan can be used any way you see fit.

How do I qualify for a payday loan or a cash advance?

Getting a payday cash loan is easy. To be approved for a payday loan, you must:

  • Have Direct Deposit of your income
  • Have a valid checking account for a least 90 days
How much can I borrow?

You will be able to apply for a payday cash loan from $100.00 to $1000.00. The amount you are approved for will be determined by the information you provide aaapaydaycash.com.

How much will my payday loan cost?

Our fee for a payday loan is $25.00 per $100.00 borrowed, with the A.P.R. ranging from 304.17% to 1303.57%. Please refer to our Fee Schedule for more information about our rates. A borrower may rescind their loan and pay back the money borrowed without any fees by requesting a rescission by 5pm CST the business day after receiving the loan.

Can I still get a loan if I have bad credit or a bankruptcy?

YES! Bad Credit Payday Loans and payday cash advances are no credit check payday loans. Unlike many other financial institutions, we do not require that you have good credit or, for that matter, any credit history at all. If you have any questions about qualifying for a payday loan, please contact us.

How soon can I receive my payday loan?

Our formal guarantee is that you will receive your funds within two (2) business days of your approval. However, if everything is completed by 4:00 PM CST, you should receive the funds the next business day.

How do I get the money and how do I repay the cash advance loan?

When you apply for a payday loan, you authorize us to directly deposit the approved amount into your account. You also authorize us to directly withdraw from your account on your next payday for the same amount advanced, plus our fee.

Do I need a fax machine or printer?

We do not require faxing!* Our "Payday Loans No Faxing" saves time and money.

It's Easy As 1-2-3

  1. Apply - Fill out your confidential application (link to app) in just a few minutes. No Faxing necessary!*
  2. Approved - No waiting! Get an instant approval decision. Over 88% of the loans we issue are instantly approved.
  3. Funded - Your funds will be automatically deposited into your bank account the next business day. No further action necessary on your part. We will automatically debit your account on your due date.**

*Customers may be required to provide proof of identity, income, etc. periodically.
**After the current online loan is repaid, you must wait two (2) business days before a new loan can be funded.

When will I hear from you?

We will typically contact you by email within an hour of receiving the documents required for processing your application. Our business hours are Monday thru Friday 8:30am to 7pm CST. Applications submitted after-hours will be processed in the order received on the next business day.

How can I be assured that you will withdraw the amount of my payment?

We can only withdraw the amount you have authorized. Since we are authorized to use the Federal Reserve Wire System, we must abide by the NACHA rules and regulations. As a Lender, we are subjected to federal and state laws and regulations that regulate our lending practices. The amount we withdraw from your account will be the amount that you have authorized. We can only withdraw the amount you have authorized.

What is an A.P.R.?

The A.P.R. is the annualized percentage rate of your payday loan and is used a tool for consumers to compare the cost of various credit options available to them. Our A.P.R. range is from 304.17% to 1303.57%. Note: our loans are high-rate compared to some other sources of funds, but if kept only for short terms, they can actually be less costly than other alternatives. Please refer to our A.P.R. Disclosure for more information, so you can make an informed final decision.

How do you determine the amount of money to advance me?

You qualify for a particular loan amount based on your current income, and the information you provide to us.

Is my payday loan secure and confidential?

We transact all our loans on our secure SSL server, utilizing the industries highest-standard. We do not disclose your information other than what is required to obtain an approval for your payday cash advance. Please review our privacy policy for more information.

How do I determine my due date?

All loans are due on your next payday, unless your next payday is less than 7 days away. In this case your check will be held until your second payday. The maximum payday cash loan is 31 days.

What happens if I don't have the funds necessary to repay you on my due date?

You must contact us IMMEDIATELY! If you contact us two business days prior to the due date we can make arrangements for an extension. If you do not contact us two business days before your due date, the total of payments according to the contract you signed will be debited from your account on your due date.

Can I get an extension on my payday loan?

YES! If you are unable to pay your loan in full on the due date, you can pay an amount at least enough to cover interest earned to extend your loan until the next payday. If you are granted an extension, a minimum of $25 per $100 borrowed will be drafted from you account. Please note that we can only allow four (4) extensions. The loan may not be rolled over beyond ten (10) weeks after the day on which the deferred deposit loan is executed. IN ORDER TO BE CONSIDERED FOR AN EXTENSION YOU MUST CONTACT US 2 BUSINESS DAYS BEFORE YOUR LOAN IS DUE.

Can I pay my payday loan back early?
Yes, you can pay your loan back early. You must contact us up to three (3) days prior to your loan due date to let us know that you want us to debit your account earlier than the due date. You will be entitled to a refund or discount of the fees, depending on the date of payment.

What about loan requests on Fridays or the weekends?

All Friday loan requests approved by 4:00 PM CST will be funded within 2 business days. All weekend request will be treated as a Monday request.

In which state are you authorized to provide loans?

We are a registered lender in the States of Utah and Missouri. Our payday loans are made in accordance to the statutes of those States. Laws in these states may differ from the laws of the state where you reside. Our loans are governed by the laws of these States according to which state you reside.

How does the Return Customer feature work?

Once you have applied at aaapaydaycash.com; we save your personal information in our secure web servers, protected by your private Customer ID and Password. This ID and Password is assigned to you at the end of your first application process. Please retain this ID and Password for future reference. To re-apply in the future, enter your private Customer ID and password in the login form at the top of each page, and your pre-completed application form will be displayed for you. Review the form to be sure all of the information is correct, update your next pay dates, and submit your application. Its fast, easy, and secure.

After my existing loan has been repaid, when can I apply for another online loan?

Because we deal with electronic withdraws it takes 5 (five) BUSINESS DAYS for us to receive the funds into our account. Therefore, once your loan has been repaid there will be a 5 (five) BUSINESS DAY HOLD until we can issue another loan to you.

Can I check my loan status using my Customer ID and Password?

Yes, your ID and Password can be used to check your loan status and apply for a new loan in the future.

How do I change or update my personal information?

You can update your personal information at anytime with your Customer ID and Password the next time you apply for a payday cash advance or payday loan. Use the login feature and simply change or update your personal information on the form.

Rescinding a deferred deposit loan

A borrower may rescind a deferred deposit loan by 5 p.m. the next business day. Information on how to rescind a loan is disclosed on your loan agreement.

Means to make Partial Payments?

Borrowers may make partial payments, in increments of at least $5, on the principal owed on the deferred deposit loan without incurring additional charges above the charges provided in the written contract.