Payday Loans

Payday Loans - Cash Advance

We Give Cash, Not Checks

Got an unexpected bill? Need a cash advance until your next paydate?
Come into one of our locations and get a payday loan up to $500. Perfect
for those times when you need a cash advance between paydates.

What to bring with you:

  • An unexpired Virginia ID or Drivers License
  • A copy of your most recent paystub from your employer
    showing year-to-date
  • A copy of your bank statement from your checking account
    with your name and Account #
  • A blank check to be made payable to Payne's Check Cashing
Payday Loan Duration
(Based on Pay Frequency)
Pay Frequency Weekly Bi-
Loan Duration 28 Days 28 Days 31 Days 62 Days
Payday Loan Rates
Loan Amount $100 $200 $300 $400 $500
Fee* $27.80 $50.60 $73.40 $96.20 $119.00
APR* 357.429% 325.286% 314.571% 309.214% 306.000%

*Fee and APR based on a 28 day term. Includes origination fee of $20 per $100
  borrowed and 36% interest (APR) plus a $5 verification fee.

The Process:

  • Fill out an application at one of our locations
  • Once approved, write us a check for the loan amount plus fees
  • We'll give you cash in hand right then
  • Pay the loan back on your due date (See Chart to the left)
    with cash and get your check back