We Give Cash, Not Checks

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

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

Interest, Fees, and Charges:

$300.00 with a 14 day term:

  • Loan Fee: $60.00
  • Verification Fee: $5.00
  • Interest Charges: $4.14
  • Annual Percentage Rate: 600.86%

Assumes a 14 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available.

$300.00 with a 30 day term:

  • Loan Fee: $60.00
  • Verification Fee: $5.00
  • Interest Charges: $8.88
  • Annual Percentage Rate: 299.62%

Assumes a 14 day term. Loans subject to approval. Examples provided are typical loans offered to qualified applicants. Other loan amounts and terms may be available.

FAQ’s

Q: What are some of the qualifications I need to meet?
A.  You need to be continuously employed for at least 6 months with a NET pay of $600 per month.
Q: How much can I borrow?
A. We lend money from $100 to $500!  We give cash and not a check so you have the money you need right away, no need to wait to cash a check!
Q: How long does it take to approve my loan and receive the funds?
A. Approval is same day and you get cash instead of a check! So the money you need is in your hands when you need it!
Q: What is a payday loan?
A. A Payday Loan is a small loan that is intended to meet short term financial needs.
Q: How do I get started?
A. Just bring in the required information for a payday loan so we can get your money to you! If you need any further assistance our friendly staff is waiting to help! Feel free to contact your local branch for assistance.
Q: How do I pay the loan back?
A. You bring in cash on your due date and we give you your check back. If you cannot make it in on your due date we can save you a trip and just deposit your check as payment!