Our CASH ADVANCE PAYDAY LOANS are as EASY as  1   2   3

blue payday iconsApply Online:
With our plain and simple online application, it’s quick, secure and confidential.

Get an answer in Seconds:
No waiting and no guessing. We’ll tell you how much you’re approved for in moments.

Get Cash as soon as tomorrow!
If approved, your loan funds will be deposited as early as the next business day (for transactions completed by 6 p.m. ET)*.

The truth; VIP Pay Day Loans is BETTER than the rest:

plain green cash advance iconsAccess More Cash:
Because life’s little surprises aren’t limited to $500, our loans range from $250 – $1,000

Cash For Less:
Interest on VIP Pay Day Loans is typically less than fees charged for a other payday loan companies.

Simple Safe & Secure:
We take the responsibility of keeping your financial and personal information seriously. We use 128-bit SSL Encryption to protect you and your privacy.

Legal Status of Cash Advance Lending by State:Since they are small loans, cash advance loans are subject to state regulations. In many situations, states will cap small loan rates with higher annual interest and require that the customers are able to make installment payments on the loan. Many states also protect consumers through criminal usury laws. In some states, the laws exempt cash advance lenders from small loan and usury caps. In these states, licensed payday loan lenders can charge as much as they want for their interest rates. We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment.

Our lenders may offer you a loan with an APR between: 100% and 2281%

The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.


If you do not pay your loan according to its terms, your lender may:
• Charge you late fees
• Send your account to a collection agency
• Report your information to a consumer reporting agency, which may negatively affect your credit score
• Offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest

When you need a quick, convenient and safe way to cover unexpected bills we can help. Please note: This is an expensive form of credit. Our payday loans are designed to help you meet your short-term borrowing needs. We all know that life does not follow a paycheck schedule. Cars can break down, kids can get sick, pipes start to leak in the home… It doesn’t matter what your income level is or how well you seem manage your finances, anyone can fall short on cash. Appropriate emergencies might be a car repairs, medical expenses for your family, or maybe to cover unexpected travel expenses. We are here to help you get through the hard times, although this short-term loan is not in anyway intended to be a solution for longer-term credit or other financial needs.

When you need emergency cash, a short-term loan can in fact help you stay on-top of your bills and get on with living your life. Our easy online application process can be completed in just a few minutes, you can find out how much of a cash advance you qualify for. A short-term loan or payday cash advance can be anywhere from $200, up to $1,000 for our first time customers. Alternative loan sources you could consider are: a credit card cash advance; personal loans; home equity line of credit; or borrowing some money from a close friend or relative.

We are not a lender, what we do is connect you with our huge network of reputable lenders who actually compete to offer you the absolute best possible short-term loan options and rates. Several of our payday lenders offer short-term personal loans to customers with absolutely no credit, poor credit and even a bad credit history. Apply now and you can get approved in a matter of minutes!

Prohibited by Small Loan Laws or Usury Caps:

There are currently two territories and twelve states that have the small loan laws or usury caps that eliminate the ability of cash advance lenders to charge triple-digit interest rates. Arkansas has a special situation. While the state constitution caps any rates at 17% annual interest, the laws also permit check cashers to make one time payment loans if they hold a check. Whether or not cash advance lending in triple-digit interest rates is going to be considered constitutional in Arkansas is currently being challenged in court.

Arkansas | Connecticut | Georgia | Maine | Maryland | Massachusetts | New Jersey | New York | North Carolina | Pennsylvania | Vermont | West Virginia | Puerto Rico | Virgin IslandsAuthorized by Specific Cash Advance Loan Laws or Licensed Lender Laws:

These are the states that have created special laws that allow cash advance lenders to offer loans based on checks written on consumers’ bank accounts at triple-digit interest rates. New Mexico and Wisconsin do not explicitly allow cash advance loans, but licensed lenders can charge any rates they choose according to the laws in those two states.

Alabama | Colorado | Idaho | Kansas | Minnesota | Nebraska | Ohio | South Carolina | Utah | District of Columbia | Alaska | Delaware | Illinois | Kentucky | Mississippi | Nevada | Oklahoma | South Dakota | Virginia | Arizona | Florida | Indiana | Louisiana | Missouri | New Hampshire | Oregon | Tennessee | Washington | California | Hawaii | Iowa | Michigan | Montana | North Dakota | Rhode Island | Texas | Wyoming

We work in compliance with all local and state laws. Please see the above links for specific regulations by state.

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