Payday Loans USA Cash Advance Pay Day Loan Companies Lenders Online California Delaware Florida Georgia
Payday loan services are still widely available in the United States as of October 2025, though they operate under varying state regulations and face growing scrutiny for high fees and interest rates (often exceeding 300% APR). These short-term, high-cost loans—typically for $100–$500 due on your next payday—remain legal in about 30 states and are offered both online and in physical locations. However, 16 states (including New York, California in some forms, and Georgia) have banned or severely restricted them, leading to alternatives like credit union payday alternative loans (PALs) with capped rates around 28% APR.
ACE Cash Express
https://www.acecashexpress.com
Provides payday and installment loans at 750+ stores, with no application fees and quick approvals, available in states like Texas and Florida.
PersonalLoans.com
https://personalloans.com
PersonalLoans.com provides an easy and convenient way for consumers to be connected with a personal loan through rheir network of lenders and the other third-party lender networks they use. Their online service can help you to get a loan of between $250 and $35,000, right from your home or office, or even on the go through your mobile device. They help people looking to borrow for any number of reasons, whether it be for a home improvement project, debt consolidation, bad credit, medical expense, or anything else. In addition, some lending partners in their network may offer lines of credit. speedy loans, quick loan
Check Into Cash
https://checkintocash.comAdvance America: Cash Advances - Fast Online Cash Loans
https://www.advanceamerica.net
Operates over 800 locations nationwide, offering payday loans, cash advances, and installment options with same-day funding in permitted states.Speedy Cash: Payday Loans, Cash Advances & Check Cashing
https://www.speedycash.com
Serves multiple states with online and in-store payday loans since 1997, emphasizing short-term needs only.
Cash Central
https://www.cashcentral.com
Online platform for payday and installment loans, licensed in states like Ohio and Nevada, with 24/7 applications.
RadCred
https://radcred.com
A 2025-expanding online marketplace connecting borrowers to lenders in 16+ states (e.g., Texas, Michigan, California where allowed), focusing on no-credit-check same-day options.
USA Cash Services
https://usacashservices.com
Brick-and-mortar locations in Western states like Arizona, Nevada, and Utah for payday advances.Check City Loans
https://www.checkcity.comRecent Trends (2025)
Traditional storefront payday lending has declined 23% since 2022 due to stricter regulations and competition from apps like earned wage access (e.g., DailyPay), but online platforms have surged 67%, making access easier nationwide. States like Illinois capped rates at 36% this year, while others like Alabama and Mississippi have the highest concentration of lenders per capita. The Consumer Financial Protection Bureau (CFPB) requires lenders to disclose APRs upfront, but experts warn these can trap borrowers in debt cycles—consider alternatives like personal loans or credit counseling first.
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Paperback by John S LaRosa (Author) 6/14/2017A cash loan or cash advance, also known as a payday advance, is a short term loan offered to borrowers to cover various expenses that they might have incurred up until the following payday. These cash laons are to be used solely for short term financial relief and in no way are considered to be long term financial solutions.
Consumers who are struggling with debt and who face credit difficulties are advised to seek out professional debt or credit assistance and counseling. Consumers are also encouraged to contact state, federal and local governments to educate themselves on the local laws pertaining to cash loans, including the risks of cash loans, possible alternatives, recent financial developments in their state, and learn about the regulations that govern cash short term loans.