Online payday loan marketplace that connects borrowers in Phoenix, Arizona with a network of 100+ lenders for fast cash advances and personal loans.
Editorially reviewed by Harvey Brooks
Payday Loans Cash operates as a digital lending marketplace focused on the Phoenix, Arizona market. The company positions itself as a intermediary that connects consumers experiencing urgent cash needs with a curated network of over 100 payday lenders. Rather than lending directly, they facilitate introductions between borrowers and partner lenders who handle underwriting, approval, and fund disbursement.
The company offers online payday loans, cash advances, and personal loans marketed as solutions for unexpected expenses, short-term cash shortfalls, and emergency funding needs. Their stated loan sizes range from small advances against upcoming paychecks to larger personal loans. The application process is entirely online, requiring borrowers to complete a secure digital form that is encrypted and transmitted to partner lenders for approval consideration.
Payday Loans Cash emphasizes speed, simplicity, and security as key differentiators. They highlight a fast approval process (minutes to hours), encrypted 256-bit SSL data transmission, and potential next-business-day funding. The company claims to simplify the borrowing process by consolidating multiple lender applications into a single online submission, eliminating the need for borrowers to visit multiple websites or complete redundant paperwork.
The website content itself is poorly written with repetitive, unclear language and grammatical errors that raise credibility concerns. The about page returns a 404 error, limiting transparency about company background and operations. There is no disclosure of specific APR ranges, fees, or lending terms—critical information typically featured prominently by legitimate payday lenders. The lack of clear fee disclosure and the marketplace model (which obscures actual lender terms until after application) present significant consumer protection concerns.
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 15202 Cave Creek Rd, Phoenix, AZ 85032. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Payday Loans Cash is best suited for Phoenix-area borrowers in urgent need of fast cash who lack access to traditional credit and are willing to use an online marketplace to connect with payday lenders. The critical caveat is that actual loan terms, APRs, and fees are determined by individual partner lenders and only disclosed after submitting personal information; borrowers should carefully review these terms before accepting any loan offer, as payday loans typically carry very high interest rates (often 300%+ APR).
TitleMax offers car and motorcycle title loans using your vehicle as collateral, with 30-minute approvals, no credit check, and 1,000+ store locations across 16 states.
Best for: Consumers with poor or no credit history who own a paid-off car or motorcycle outright, Individuals needing same-day cash who have been declined by banks, credit unions, or online lenders
Trade association for Arizona private money lenders offering real estate-secured loans. Connects borrowers with member lenders through a centralized loan request platform.
Best for: Commercial real estate investors and developers seeking fast, non-traditional financing secured by property collateral, Borrowers unable to qualify for traditional bank mortgages who need multiple private lender quotes simultaneously
Arizona-based mortgage broker operating since 1998, offering conventional, FHA, VA, jumbo, and reverse mortgages throughout Arizona with licensed loan officers.
Best for: Arizona homebuyers and refinancers seeking personalized service over automated processes, Military borrowers and first-time homebuyers eligible for government-backed loan programs
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Payday Loans Cash and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.