PayDayOne however has lower interest rates than what most of its competitors offer. They offer loans with interest rates as low as 273.75% APR as on June 2009. (Please note that this may vary from state to state but not much. The figure is just to give you an idea that their loan rate is really low). In fact their lower prices are guaranteed. If you can find a better payday loan lender, they will match their prices.

For example if you take out a $100 loan for 30 days, the total interest and fees you will pay is $22.50 i.e. you will return only $122.50 when you get your next paycheck. If you have a calculator in hand you can calculate that for a $500 loan for 30 days you will pay $112.50 as fees and therefore return $612.50 at 273.75% APR. PayDayOne offers loans upto $500 only.

PayDayOne.com is today an established business, but it took them a long time to do so. They are in this business since 2002. PayDay One is a subsidiary of ThinkCash, Inc. with offices in Delaware, Nevada and Texas.

Now some interesting facts about the company. It was earlier known as PayDayOk (PayDayOk.com – this will redirect you to PayDayOne.com). They changed their name and brand in early 2008 possibly because they were offering loans at even lower rate ($10 per $100 borrowed) which was a low profit business model. They thought it fit to totally re-launch a new brand with new rates. Though many marketing gurus would have objected to this, it now seems as a good business decision.

Does PayDayOne.com do business in all states in the US?

No. These are the only states that PayDayOne serves:

Alabama, Arizona, California, Colorado, Delaware, Florida, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Utah, Washington DC, Wisconsin and Wyoming.

What are the other benefits of applying a payday loan with payday one?

Apart from lower interest rates, they have a great customer care department. Your loan is approved fast. In most cases the loan is sent in your checking account the same day or overnight.

Other benefits are – you can apply online or by phone, your contact details and other details are kept strictly confidential. Unlike many payday loan lenders who reside outside United States to avoid federal and state lending laws, PayDay One is a US based and an authorized payday loan company. The loans are free from any kind of fax. And lastly if you have a bad credit, its ok – PayDayOne.com will offer you a loan.

Interested in applying a payday loan with PayDay One? Apply today to get cash by tomorrow with PayDay One!

• If you have a direct deposit income.
• If you have your current job or benefits for at least 3 months.
• If you have a valid checking or savings account for at least 3 months.
• You make a monthly net minimum income of $1000.

That’s it and you get a loan for up to $1000. However if you are a first time customer you can avail of a loan up to $400. If you payback the loan on time, next time you may get $100 extra till this reaches a maximum of $1000.

Click Here to Apply For Your Fast Approval Payday Loan Now

FEE: They have a low fee structure of $20 per $100 borrowed. This is really lower than many payday lenders across the America charge. It typically comes to annual percentage rate ranging from 365.00% to 1564.28%.

Is credit rating a problem?

No. Just like any other payday loan company they offer a loan even if you have a poor credit. Once you apply you will know instantly if your application was approved or not. If you are approved and you applied before 8pm EST, you will get your cash the next business day.

The best part is its completely faxless. There is absolutely no paperwork involved. Ez cash payday loan offers a no fax no paperwork payday loan.

Another advantage with Ez cash advance payday loan is that you need not give a signed check to them. With Ez cash, when you apply for a payday loan, you authorize them to directly deposit the approved amount into your account. You also authorize them to directly withdraw from your account on your next payday the loan principal amount advanced plus the fee as per the terms.

Another benefit with Ez payday loans is that you can get an extension of repaying your loan by 30 days – this is something very few payday loan companies offer in America. This can be rolled over by up to 12 weeks by which you must pay back the entire loan and the fees.

However please remember that if you have a pending payday loan from some other company, your payday loan application will be automatically denied.

Ez payday loan is a Utah registered payday lender. So their loans are governed by Utah law.

No, they don’t offer loans to person serving in the military.

Customer Service: The customer service is good. They are open from Monday to Friday 8:00 AM to 8:00 PM (EST) and on Saturday, from 10:00 AM to 3:00 PM (EST). Ez cash payday loan toll-free number is: 1-866-735-3420.

Ez cash payday loan (ezpaydaycash.com) is a registered and regulated payday loan company. They operate within the parameters of the Best Practices of the Community Financial Services Association of America – CFSA.