Payday One

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



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About PayDay One:

Payday One was established in 2002 and has been considered as one of the best Payday loans providers online. Customers enjoy guaranteed prices, a fast and convenient loan process and friendly customer service. PayDay One is a subsidiary of ThinkCash, Inc. with offices in Delaware, Nevada and Texas.

Payday One customers get the Great Rate Guarantee which means that if customer finds lower price from another similarly licensed online lender they will match it. Customers don’t need to call and there is no faxing involved and applications are reviewed immediately.

Payday One provides loans to thousands of people with low credit scores. Even if customer has been turned down by a bank or other payday lenders, there is no reason why not to try to apply with PayDay One. You’ll find out in seconds how much cash you can get. Payday One is licensed in 18 states and offer Great Rate Guarantee, it means they’ll match another licensed online lender price.

Quick PayDay One:

  • Great Reputation & Long History
  • One of the cheapest
  • Great Customer Support
  • Bad Credit is OK
  • Faxless Application

Ease of Use and Application Process:

Customers can apply for a loan with PayDay One either online or over the phone.  PayDay One has clean, well organized website which is easy to understand and navigate. The loan application is simple (but little messy) easy to understand and fill in and they usually don’t request additional information. After submission of loan application instant approval or denial information is presented, if approved the funds are transferred on the next business day.

Also applying for a loan over the phone is quick, easy, and hassle-free (7 a.m. to 8 p.m. M-F, 8-5 Saturday, Central Time). Loans made before 5 p.m. (CT) are credited the next business day. The application process itself only takes few minutes to complete and it’s easy to fill in and submit.


PayDay One supports safe transfers of personal information and they are McAfee and VeriSign secured. McAfee is daily testing this website to help protect users from identity theft, viruses, spyware and other online threats.

Cost of Loan:

Interest rates vary by state, ranging from $15 up to $30 per $100 borrowed. In some states, Payday one offer installment payday loans instead of regular payday loans which allows longer pay off time up to 30 bi-weekly payments. While payday loan rates are extremely high on an annual basis, Payday One offers significantly better rates than the majority of other companies.

Customer Support:

Customer support of PayDay One can be reached either by phone or email. Their customer support is available from 8am to 10pm ET on Mon-Fri and 9am to 5pm ET on Saturday. FAQ page helps to answer any basic questions customer might have about their loan process.


PayDay One is less expensive than most of competing payday loan services. Unfortunately this excellent service is not available in all states. Great Rate Guarantee offers insurance that applicant can receive the lowest rate available.

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.

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