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Venture Payday Loans
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Part of the Payday Loans Cash chain · locations
Payday Loans Cash in Baltimore, MD
Baltimore's Payday Loans Cash at 5000 Lawndale Ave operates extended hours for emergency short-term loans and cash advances.
Data compiled from public sources · Rating from CreditDoc methodology
Payday Loans Cash Review
Payday Loans Cash is located at 5000 Lawndale Ave, a standalone storefront in Baltimore, MD. The location maintains extended hours from 3 AM to 2 AM daily, Monday through Sunday, making it accessible for Baltimore residents who need quick access to emergency funds outside standard business hours. This accessibility is particularly valuable for shift workers and those facing unexpected financial needs in Baltimore.
At this Baltimore storefront, Payday Loans Cash provides short-term loan solutions including payday advances and title loans. Customers can discuss loan terms, eligibility requirements, and application procedures in person at the 5000 Lawndale Ave location. For specific details about current rates or to confirm application requirements, visiting the store in Baltimore is the best way to get accurate information.
Baltimore residents who need emergency cash should bring a valid government-issued ID, proof of income, and a checking account. The extended 3 AM to 2 AM hours serve those who work evenings or nights, or who need funds during non-traditional times. Quick approval and funding are typical for qualified applicants at this Baltimore, MD location.
Services & Features
Bad credit personal loans
Cash advance loans against future paychecks
Credit card consolidation loan referrals
Direct bank deposit of approved funds
Fast online approval process
Multi-lender network access (100+ partners)
Online payday loan application and marketplace matching
Personal loan connections (small to medium amounts)
Phoenix, Arizona-focused lending marketplace
Secure encrypted online application submission
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Network of 100+ lenders increases chances of finding willing lender versus single-lender application
- Entirely online application process—no in-person visit required
- Fast approval timeline with next-business-day funding available
- Uses 256-bit SSL encryption for data security during application submission
- Single application form sent to multiple lenders—no need to fill out redundant paperwork across websites
- Serves borrowers with bad credit or limited credit history
Cons
- Website content is poorly written and confusing, raising questions about professionalism and legitimacy
- No transparent disclosure of rates, fees, or loan terms on the Payday Loans Cash website—details only revealed after redirect to lender
- About Us page is broken (404 error), preventing verification of company background or licensing
- Acts as a broker/lead generator rather than direct lender, meaning borrowers enter agreements with third parties
- Payday loans typically carry very high APRs (often 300%+) and can trap borrowers in debt cycles
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.0
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Payday Loans Cash legitimate?
Yes. Payday Loans Cash is a registered company, headquartered in 5000 Lawndale Ave, Baltimore, MD 21210.
Quick Facts
- Headquarters
- 5000 Lawndale Ave, Baltimore, MD 21210
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Payday Loans Cash
Payday Loans Cash is best suited for Phoenix-area borrowers in genuine financial emergency who need small cash amounts ($100-$1,000) within days and have limited credit options. Critical caveat: payday loans carry extremely high interest rates (often 300%+ APR), are designed for short-term use only, and can create long-term debt traps. The website's poor quality and lack of transparent terms make it difficult to trust; borrowers should carefully review all terms with the actual lender before accepting any loan.
Best For
- Phoenix-area residents needing $100-$1,000 in emergency cash within 1-2 business days
- Borrowers with bad credit or no credit history who have been rejected by traditional lenders
- People facing unexpected expenses (car repair, medical bill, utility shutoff) and willing to pay high interest for speed
Updated 2026-04-29
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
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.
Why it matters
Lenders must 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 cheapest 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.
Compound 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.
Why it matters
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.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory 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.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
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.
How Loans Work
Collateral — Loan Collateral
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.
Why it matters
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.
Fees & Costs
Late Fee — Late Payment Fee
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.
Why it matters
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.
NSF Fee — Non-Sufficient Funds Fee
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.'
Why it matters
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.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
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 might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
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.
Why it matters
Cash advances are a debt trap: 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.
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