If you’re deep in a payday loan trap, speak with a licensed credit counselor. For tips on finding local help, start at NFCC.org. Credit counselors help you dig into the details of your budget and potentially work with your creditors to find a way out. Bankruptcy might be an option, but it’s a big step, and one you should only take after. Apply for an online payday loan and get cash in less than 24 hrs No Credit Check, No faxing, Instant Approval, Bad credit OK! 4 steps to finding the nearest payday loan location. To find a nearby payday loan location in your neck of the woods: Confirm that your state permits payday loans.; Search online for lenders in your area, or see if your city is listed our directory of payday loans by city.; Narrow down your options by comparing the potential loan’s amount, store hours and repayment dates. If you’re in need of quick cash, a payday loan might be able to help bridge that financial gap. These short term loans typically range from $50 to $1,000, depending on your state of residence. Built to help with life’s small emergencies, payday loans offer quick cash when payday is a little too far away. Complete our easy online application, and you could get $50 – $1,000. Apply now and you can reach payday today! Built to help with life’s small emergencies, payday loans offer quick cash when payday is a little too far away. Online Disclosures. Customer Notice: Payday Loans are typically for two-to four-week terms (up to six months in IL).Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a. Most often, payday loans are for no more than a few hundred bucks and need to be paid back within a couple of weeks. To get a payday loan, you typically write a check for the amount you are borrowing, plus a fee. You might leave the check with the lender, and they cash it once you are ready to repay. The payday loan trap begins innocently enough. You’re low on cash, you’ve maxed out your credit cards, and none of your family or friends can loan you the money. Borrowing $250 from a payday lender seems like a logical solution. As long as the $250 plus a $37.50 fee is paid at the end of the two-week term – the time your next paycheck. Payday Loans are very popular, and people willingly use such non-bank institutions. Why? This is due to many factors. First of all, citizens are well aware that this is a way to get a specific financial amount without unnecessary formalities, which will help them solve problems with cash.