Free request · no hard credit check
Pick your amount, send one short form, and see matched offers for your area. Checking options here never affects a credit score — and the state fee math on this site tells you what the money should cost before you sign.
A payday-style cash advance is a $100–$1,000 loan due on your next paycheck, regulated state by state — from California’s $255 net cap to outright bans. Tribal installment lenders operate under tribal law, not state caps, and repay over months at 250%–780% APR where disclosed. Every figure on this site links to a statute or a regulator.
Fee caps, term limits, worked loan math and the regulator that enforces the rules — for all 50 states and DC.
The most-searched amounts — $50 to $1,000 — priced honestly by route, with the cheapest option flagged.
Who the tribal lenders are, what their loans really cost, and which states they exclude — verified from their own sites.
Employer-linked advances and subscription apps that cost a fraction of a payday loan — if your account qualifies.
Default outcomes, credit reporting, exit plans from the loan cycle, scam patterns and state-cap economics.
Same product, three meanings — payday-style, credit card, and app advances, each with its real price tag.
The storefront chains, what a licensed store can legally charge, and the license check before you sign.
What “direct lenders only” actually changes — and full disclosure of how our own request form works.
Fees, the 25–30% APR with no grace period, your cash-advance sub-limit — and when the card door is the cheap one.
Cap $300 · 15% of face value ($17.65 per $100 advanced)
Cap No fixed dollar cap · No state fee cap ($20-$25 per $100 typical CSO fee + 10% interest cap)
Cap $500 · 10% of loan amount + $5 verification fee
Cap $500 · 75% of initial principal limit for interest/fees combined
Cap $500 · $15 per $100 for first $300, $10 per $100 above $300
Cap $500 · 15% of face value of check ($17.65 per $100 advanced)
Ready to move? Request your cash advance now — free to check, no hard credit pull at this step.
Every cost table states its source: the statute or the regulator. Every lender fact is checked against the lender’s own disclosures, and when we cannot verify a number we say so instead of inventing one. Articles are written by a named editor — Ronnie Houk, financial writer and lending researcher.
Read our editorial policy and advertising disclosure.
One short form · matched offers for your area · free to check, no hard credit pull.
