Online marketplace connecting borrowers with payday and cash advance lenders for same-day to 24-hour funding of $100-$35,000.
Data compiled from public sources · Google rating shown when a stored review count is available
All Payday Loans (operating under the domain pdadvanceloans.com) is an online lending marketplace that functions as an intermediary between borrowers and a network of payday and cash advance lenders. The platform was designed to streamline the process of obtaining emergency short-term loans for consumers facing immediate financial needs.
The company offers connections to multiple loan products including payday loans, bad credit loans, personal loans, and cash advances ranging from $100 to $35,000. Their primary service is matching borrowers with lenders through a single online application form, after which users can receive up to five loan offers to choose from. The stated funding timeline is as fast as 15 minutes for loan offers and up to 24 hours for direct bank deposit of funds.
All Payday Loans distinguishes itself through transparency regarding lending practices, explicitly warning users that legitimate lenders in their network do not request upfront payments or fees and cautioning against scams involving gift cards, bank transfers, or payment apps. The platform emphasizes the need for users to review loan disclosures and rates before accepting offers, and includes a responsible lending statement that "payday loans should be last resort."
As a marketplace aggregator rather than a direct lender, All Payday Loans provides fast access to emergency financing but does not control individual lender terms, rates, or APRs. The platform's value depends heavily on the quality of lenders in their network and the competitiveness of offers users receive. Borrowers should thoroughly review all loan terms and disclosures before accepting any offer, as rates and fees vary significantly by lender and state.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Cedar Park, TX. It does not confirm that All Payday Loans or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Status: Permitted
Rate context: No state fee cap; structured through Credit Access Business (CAB) model with effective APRs frequently exceeding 500%
Payday loans are legal in Texas but operated as Credit Access Businesses (CABs) that arrange loans through third-party lenders, exempting them from state usury rate caps. Several cities (Austin, Dallas, San Antonio, Houston) have enacted local ordinances imposing loan amount limits and rollover restrictions. Austin limits CAB loans to $1,500 and restricts rollovers; Dallas limits loans to $500 with 90-day mandatory waiting period between loans. The Texas Finance Code (Tex. Bus. & Com. Code § 59.001-59.060) regulates CABs but does not establish fee caps.
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate (Tex. Bus. & Com. Code § 307.003)
Installment loans are regulated under Texas Finance Code; same rate caps apply as personal loans for consumer lending transactions
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
All Payday Loans offers 10 services including Online lending marketplace connecting to payday loan lenders, Cash advance matching and funding, Bad credit loan connections, Personal loan marketplace, Single online application form submission, and 5 more.
All Payday Loans has profile signals associated with Borrowers with urgent expense research and limited time to shop multiple lenders individually, Consumers with bad credit seeking listed funding timing options, People needing short-term funds between $500 and $5,000 with application-timing claims timelines.
Key strengths: Fast turnaround: loan offers received in as little as 15 minutes with potential 24-hour funding; Multiple loan offers: users can receive up to five offers to compare rather than applying individually; Wide loan range: offers loans from $100 to $35,000 across multiple product types. Areas to consider: Marketplace model: company does not set rates or terms—borrowers have no control over lender selection or APR variability; Payday loan focus: primary products are high-cost short-term loans, not debt solutions.
In the Emergency Cash category, comparable providers include Austin Mortgage Lender: Joel Richardson, Montana Capital Car Title Loans, Swift Title Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
All Payday Loans is profile signals for consumers facing genuine emergency cash shortages who need money within 24 hours and lack alternative financing options. The critical caveat is that this platform connects to high-cost payday and cash advance products; the company itself recommends these as a last resort. Borrowers must carefully review all lender disclosures and APRs before accepting any offer, as rates vary significantly and can exceed 400% APR.
Austin-based mortgage lender specializing in residential, investment, and custom construction loans with 20+ years of experience and nationwide availability.
Google rating from 150 reviews
Profile signals: Austin-area home buyers and refinancers seeking personalized service from an experienced local lender, Investment property buyers and rental owners needing listed commercial/investment mortgage experience context
Review this provider profile and compare source-linked details before choosing what to do next.
Review this provider profile and compare source-linked details before choosing what to do next.
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to All Payday Loans and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.