National Payday

National Payday Mac
Cost of Loan
Secure Site
Ease of Use
Customer Service



User Rating: 0 (0 votes)

About National Payday

National Payday is one of the nation’s oldest online paycheck advance and payday loans companies and has operated as an online cash advance lender since 2000. Customers can fill out an online loan application and can get check advance tomorrow in as little as 24 business hours—without ever leaving the comfort of their home or office. National Payday is a direct lender which means they process and finance your loan leaving out the middleman. They offer low quality customer support and fast approval process. While other lenders only promise National Payday really do offer same day deposits on payday loans.

Their service is available across the USA like their Business name National Payday promises.

Quick Facts of National Payday

  • Long History
  • Bad Credit OK
  • Faxless Application

Ease of Use

Although this site is easy to use, the application is quite long and requires a little more time to fill it out. It is fairly simple to get a loan using the National Payday service. For first time lender, personal information, information on your employer, the amount that you want to borrow and whether or not you want your cash wired the same day.

Unfortunately National Payday offers loan only online.  First time users can get loan amount from $100 to $400, for returning customers, get a payday loan summing up to $1,000. There is no credit check, so even if clients has bad credit, or no credit, they are still eligible for a fast cash payday loan


National Payday website is using Thawte SSL123 to encrypt and secure submitted personal information. Anyone can easily verify the validity of the website by checking Thawte certificate.

Cost of Loan

National Payday is quite expensive service, they are charging 25% of what you borrowed. Their APR is 651.79% for a 14-day loan period. This means if you borrowed $100, you would need to pay back $125.

Customer Support

National Payday offers online contact form to send inquiries and they have a good FAQ page and that’s all. When you are trying find instant help via toll free number you’ll end up speaking to automated system. This system can only help you if you are filling out the application. Customer support is severely lacking at National Payday.


National Payday have served clients for more than 10 years. To be in business for so long, they’ve proven that they know how offer their services in the right manner. While they provide short term loans without credit check they are operating out of Costa Rica and are hard to reach by phone. Everyone should be cautious when dealing with lenders outside of USA.


About the Author

Since my earliest memory I have had an obsessional interest to find out everything I can and tell everyone what I think about it. I have been involved in Financial Services for over 10 years and have been providing financial advice throughout USA.

Back to Top ↑