Man applying for a same-day payday loan online

How to Get a Same-Day Payday Loan

Advance America offers same-day payday loans for quick access to extra money before your next paycheck. These short-term loans are usually paid back within two or four weeks—aligned with our pay dates. Most importantly, payday loans put money in your pocket now to help with daily finances or emergency expenses.

Get same-day funding with payday loans by following these steps.

1. Apply Online Before 10:30 AM EST or In-Store

Apply for your payday loan online or at your nearest Advance America store, using our location finder. Submit your online application before 10:30 AM EST to get same-day funding. When applying in-store, you can walk out with cash in hand or in some states have money deposited instantly to you debit card.*

2. Grab the Right Documents

If you’re applying for a same-day payday loan at your nearest Advance America location, have these documents ready:

  • Government-issued photo ID
  • Proof of active checking account
  • Most recent proof of income
  • Verification of social security number
  • Check

If you’re applying online for a same-day payday loan, have this information ready:

  • Valid social security number
  • Valid and active email address
  • Active checking account
  • Source of income

Keep in mind that some requirements vary by state. Enter your zip code to learn more about what you need for a payday loan in your area.

3. Complete Our Easy Payday Loan Application

Advance America’s payday loan application can take minutes to complete and submit. Our friendly, knowledgeable staff are also here to help you through the application process so you can get your fast, same-day payday loan.

4. Instant Decision and Fast Funding

The payday loan approval process is quick, allowing you to usually earn approval and money within 15 minutes. If you apply and are approved online, your payday loan will be deposited directly into your banking account. If you apply and are approved in-store, you can receive your money in person as cash or a check.

5. Plan Your Repayment

Once you receive your same-day payday loan, it’s important to have a repayment strategy in place to help you repay your loan on time and avoid additional service fees or penalties.

Payday loans are typically paid back in two or four weeks, upon receival of your next paycheck. Budget your money so that, once your paycheck arrives, you’ll have the funds to repay your loan and cover any other bills for the month.

* Eligibility and processing times may vary based on debit card type.

The above information is provided for informational use only. Advance America is not responsible for any loss or damage resulting from your reliance on the material provided. This information is accurate as of the time it is posted; but it may not be updated regularly, so it may not be current information depending on when you read it. You should consult with your own financial professional when making financial decisions.