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Venture Payday Loans
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Part of the Payday Loans Cash chain · locations
Payday Loans Cash in Raleigh, NC
Raleigh, NC's Payday Loans Cash location at 727 W Johnson St offers quick cash advances and title loans during extended 24-hour daily service.
Data compiled from public sources · Rating from CreditDoc methodology
Payday Loans Cash Review
Payday Loans Cash at 727 W Johnson St serves the Raleigh, NC community with convenient access to quick financial services. This standalone storefront in Raleigh operates 24 hours daily—open Monday through Sunday from 3 AM to 2 AM—providing extended availability whenever Raleigh residents need fast cash solutions.
At this location on W Johnson St in Raleigh, NC, customers can apply for payday loans and title loans with minimal documentation. The staff can discuss loan amounts, repayment terms, and what you'll need to bring to complete your application. While no phone number is currently listed, you can visit the store directly anytime during its 24-hour service hours.
If you're a Raleigh resident facing an unexpected expense and need quick cash, this Payday Loans Cash location accepts walk-in customers around the clock. Bring a valid ID and proof of income; most payday loans can be processed same-day. This storefront is designed to serve Raleigh's immediate financial needs without requiring an appointment.
Services & Features
Bad credit personal loan matching
Credit card consolidation referrals
Direct bank deposit of loan funds
Fast approval decisions within minutes
Multi-lender rate and term comparison routing
Next-business-day funding processing
Online payday loan application and marketplace matching
Payday loan brokerage connecting to 100+ lenders
Personal cash advances up to $1,000
Secure online application form with 256-bit SSL encryption
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Fast application process takes only a few minutes to complete online
- Access to network of 100+ lenders increases chances of approval
- Same-day or next-business-day funding into borrower's bank account
- 256-bit SSL encryption protects personal and financial data during application
- Single application submitted to multiple lenders rather than repetitive submissions to individual companies
- Covers documented emergency expense categories including medical, automotive, and home repairs
- No requirement to visit physical locations or complete paper applications
Cons
- Website content is disorganized, repetitive, and poorly written, suggesting operational quality issues
- Company does not directly lend—borrowers have no direct relationship with Payday Loans Cash and APRs/fees are determined by third-party lenders
- Typical payday loan industry APRs and fees are not disclosed on the site; borrowers must review lender terms after application
- About Us page returns 404 error, limiting transparency about company background and credentials
- No information on lending policies, default rates, complaint handling, or regulatory licensing displayed
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 727 W Johnson St, Raleigh, NC 27603.
Quick Facts
- Headquarters
- 727 W Johnson St, Raleigh, NC 27603
- 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 for Phoenix-area borrowers needing $100–$1,000 in emergency cash within 1–2 business days who don't qualify for traditional personal loans. The primary caveat is that this is a high-cost payday lending marketplace; actual APRs and fees are set by third-party lenders and can exceed 400% APR, making this suitable only for true emergencies with a clear repayment plan.
Best For
- Phoenix-area residents with unexpected expenses needing $100–$1,000 in 1–2 business days
- Borrowers with limited credit history or low credit scores seeking multiple lender options
- Working individuals facing temporary cash flow gaps between paychecks
Updated 2026-04-29
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Financial Wellness Guides
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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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