Xpress Payday wants to help. If you need cash quick, let us be your lender! With a quick, easy process, and friendly customer service, we can help make the unexpected a little easier!
A payday loan is a short-term, small-dollar loan that should only be used to cover unexpected expenses or to bridge a temporary gap between paychecks. A payday loan is a small, personal loan that provides an alternative to bouncing checks or paying late fees. Payday loans are expensive and should only be used to cover short-term financial situations — not as a long-term financial solution.
We make the application process at Xpress Payday as quick and easy as possible, and usually only takes 10-15 minutes. Below is a summary of our quick process: 1. Fill out quick application online, over the phone, or in-store. 2. Sign loan documents, including the agreement to repay your loan plus finance charges on the agreed upon date. 3. Walk out with cash in hand, or have your money directly deposited into your checking account.
To apply for an Xpress Payday loan, you must be 18 years old and will need to provide the following information: 1. Valid ID 2. Checking account in your name 3. Proof of steady income 4. Working telephone number
You must present a consistent source of income. Disability and unemployment are accepted.
The amount you can borrow is dependent on criteria that includes but not limited to income, credit score, and maximum loan amount available. The maximum amount for a payday loan is $500.
Xpress Payday follows all applicable federal and Kansas State laws, which allows up to two payday advance loans. Please be aware that having more than one loan out at the same time can make repayment more difficult.
If you apply online, we will directly deposit the funds into your account. If you come into the store, either by direct deposit or receive cash in hand!
If you choose, Xpress Payday can directly deposits your funds to your bank account. While we transfer funds at the earliest available time, funding times vary by bank. You may also elect to pick up your cash immediately in any Xpress Payday store.
Xpress Payday will automatically withdraw the loan repayment plus fees from your account on the date agreed upon, making it convenient for you! No need to worry about forgetting your due date or finding time to come back to the store!
As part of our commitment to responsible lending, we require full payment on your due date. If an unavoidable circumstance arises, please contact us immediately. We will discuss your available options and work with you to resolve your situation.