Virginia Check Cashing

Virginia Payday Loans

Virginia Money Orders

Check Cashing

Payday Loans

Money Orders

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We Give You Cash Not a Check!

Loan Payments Fees Interest Charges Annual Percentage Rate
$300 loan due in 14 days Day 14-$369.20 $60 Loan Fee

$5.00 Verification Fee
$4.20 593.143%
$300 loan due in 30 days Day 30-$374.00 $60 Loan Fee

$5.00 Verification Fee
$9.00 296.000%
$300 loan due in 31 days Day 31-$373.40 $60 Loan Fee

$5.00 Verification Fee
$9.30 287.613%
$300 loan due in 62 days Day 62-$383.60 $60 Loan Fee

$5.00 Verification Fee
$18.60 161.806%
$300 extended payment plan elected on the day the loan is obtained Day 15-$91.25
Day 30-$91.25
Day 45-$91.25
Day 60-$91.25
$60 Loan Fee

$5.00 Verification Fee
None 130.000%
$300 extended payment plan elected on the 15th day of a 31-day term loan Day 30-$84.63
Day 45-$84.63
Day 60-$84.63
Day 75-$84.64
$29.03 Loan Fee

$5.00 Verification Fee
$4.50 61.648%
$300 extended term loan Day 15-$95.75
Day 30-$95.75
Day 45-$95.75
Day 60-$95.75
$60 Loan Fee

$5.00 Verification Fee
$18.00 166.000%

To obtain a payday loan, we require the following:

  1. A non-expired Virginia State ID

  2. Your most recent bank statement
    (less than six weeks old)

  3. Proof and length of employment
    (minimum 6 months employment)

  4. Net take home pay

  5. A blank check to be made payable to Payne's Check Cashing


When your loan is due:

Bring cash to pay for your loan, and your check will be returned to you.

Note: We only deposit checks as a last resort to collect.


Where to find us:

We are located at the following Virginia locations: Culpeper, Charlottesville, Ruckersville and Orange

Culpeper, Virginia - 727 North Main Street
Culpeper, Va 22701 - Phone: (540) 825-0565
Fax: (540) 825-8112

Charlottesville, Virginia - 816 Cherry Avenue
Charlottesville, Va 22903 - Phone: (434) 295-0392
Fax: (434) 295-4653

Charlottesville, Virginia - 1905 Seminole Trail
Charlottesville, Va 22901 - Phone: (434) 295-1738
Fax: (434) 964-1795

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