Express Money Center Express Payday Loans

How It Works: Payday Loan Facts

What is a payday loan?
Payday loans are short-term cash loans directly deposited into your checking account by Express Money Center. The length and duration of the loan is, in certain states, limited by law, but generally lasts until your next pay day. At that time, the loan is paid back via a pre-authorized electronic withdrawal from your checking account.

Customers generally use their payday loan for emergency expenses, including doctor bills, utility payments, rent payments, or to avoid bouncing a check (or checks) at their financial institution. While a payday loan does have a loan fee, they are usually less than a credit card late fee or the non-sufficient funds penalties various banks charge.

Can I get a payday loan?
Express Money Center requires you to have the following for membership consideration:

You have been employed three months* or longer.
Take home a minimum of $1,000 monthly (after taxes).
Valid checking account in your name.
Current (and valid) home and work telephone numbers.
U.S. Citizen
Over 18**

If you have each of these, approving you for membership is easy.

How much does a payday loan cost?
The APR (annual percentage rate) and fee for a payday loan varies by state. Click here to learn the specifics your state has set forth for payday loans.

What if I can't pay my payday loan on the due date?
Refinancing is available*** for your express cash advance if you can't pay the full amount on the due date. To learn how your state regulates short-term loan refinancing, click here.

Apply Today with Express Money Center
We can help you get through your cash emergency or put some extra cash in your pocketbook. The application is easy and approval is fast. With our 24-hour customer service and honest, up-front lending, you can't go wrong by choosing Express Money Center today. Apply today!

* This qualifier is also applicable to retirement, disability, spouse employment, and self-employed individuals where state laws permit.

** Where state law permits.

***Based on state regulation, refinances are not available in all states.

Get The Cash You Need
First Name:
Last Name:
State of Residence:
I am currently employed or I receive recurring income regularly.
Yes   No
I make at least $1000/month if employed or $800/month if on a fixed income.
Yes   No
I currently have an active bank account with direct deposit income.
Yes   No
I currently have an active checking account.
Yes   No