Payday Loans Cash is an online lending marketplace that connects borrowers in Phoenix, Arizona with a network of 100+ payday and personal loan lenders for fast cash advances.
Editorially reviewed by Harvey Brooks
Payday Loans Cash operates as a lending marketplace based in Phoenix, Arizona, focusing on connecting consumers who need emergency funds with a network of over 100 lenders. The company positions itself as a bridge between borrowers and potential lenders rather than a direct lender itself, meaning it facilitates connections rather than originating loans. Founded on the premise of serving customers experiencing unexpected financial hardships, the platform targets individuals who need quick access to funds for emergencies, unexpected expenses, or short-term cash needs. The company's core business model involves accepting online applications and routing applicant information to lenders within their network for approval decisions.
The platform offers payday loans, cash advances, and personal loans with a stated focus on speed and simplicity. According to their website, borrowers can complete the application process online in minutes, submit secure encrypted forms, and potentially receive funding as quickly as the next business day. The company emphasizes that loans can be used for various purposes including critical automobile maintenance, medical expenses, home improvements, and other unexpected needs. They highlight the ability to connect borrowers with approved lenders without requiring visits to multiple websites or submission of extensive paperwork.
Payday Loans Cash distinguishes itself primarily through its network size (100+ lenders) and the emphasis on streamlined online processing rather than in-person requirements. The company uses 256-bit SSL encryption technology and promotes a simple three-step process: fill out an online form, receive connection to an approved lender, and obtain funding directly to a bank account. The website emphasizes privacy and discretion, noting that personal loan needs are private matters handled confidentially. However, the company explicitly acknowledges it is a marketplace connector, redirecting borrowers to partner lenders' websites to review specific loan terms, rates, and fees before acceptance.
A critical assessment reveals significant concerns about this company's website quality and transparency. The main website content is heavily repetitive, grammatically inconsistent, and contains nonsensical passages that raise questions about either poor website maintenance or potentially deceptive practices. The site lacks clear information about actual loan terms, APRs, fees, or lending standards. An attempted link to their 'About Us' page returns a 404 error, indicating incomplete website infrastructure. As a marketplace referrer rather than a direct lender, borrowers bear full responsibility for reviewing partner lender terms, and there is no assurance of loan approval or favorable terms. The vague website content and operational opacity make it difficult to assess this company's legitimacy or actual value proposition.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Payday Loans Cash is a registered company headquartered in 4970 S Arville St Suite 103, Las Vegas, NV 89118. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Payday Loans Cash is best suited for Phoenix-area borrowers seeking quick emergency cash who are comfortable with the marketplace model and willing to review partner lender terms at the final stage. The primary caveat is the company's poor website quality, incomplete information architecture, and lack of direct lending transparency, making it difficult to assess legitimacy or actual loan terms before committing to an application.
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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 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.
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 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.
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 might only need 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 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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