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Part of the Payday Loans Cash chain · locations
Payday Loans Cash in Virginia Beach, VA
Virginia Beach, VA – Payday Loans Cash at 4448 Virginia Beach Blvd offers payday and title loans with nearly 24-hour access (3 AM–2 AM daily).
Data compiled from public sources · Rating from CreditDoc methodology
Payday Loans Cash Review
Payday Loans Cash operates as a standalone storefront at 4448 Virginia Beach Blvd in Virginia Beach, VA. This location is designed for quick access, with doors open 23 hours daily—from 3 AM to 2 AM—so you can apply early morning or late evening whenever you need fast cash.
The Virginia Beach branch at 4448 Virginia Beach Blvd specializes in payday loans and title loans for residents facing urgent expenses. While no phone number is listed, you can visit the storefront in person to discuss loan terms, amounts, and approval timelines with staff.
Virginia Beach residents should bring a valid government-issued ID, proof of income (recent pay stubs or tax returns), and proof of an active checking account to speed up approval. Same-day funding is often available at this location, making it a practical option when unexpected bills or emergencies arise.
Services & Features
Bad credit loan referrals
Cash advance connections
Credit card consolidation inquiries
Direct bank account deposits
Fast approval processing (stated as within minutes)
Lender network access (100+ partners)
Online payday loan applications
Personal loan marketplace matching
Same-business-day or next-business-day funding claims
Secure online form submission with encrypted data transfer
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Claims 256-bit SSL encryption for data security during online applications
- Network of 100+ lenders may increase approval odds compared to single lender
- Advertises next-business-day funding for approved applicants
- Online application process claims to take only a few minutes
- No requirement to visit multiple websites or fill out repeated paperwork
- Serves Phoenix and Arizona markets with geographic focus
- Accepts applicants with bad credit according to website
Cons
- Website content is incoherent with repeated misused words and poor grammar, raising questions about legitimacy and professionalism
- About Us page returns 404 error—no verifiable company background, ownership, or history provided
- No specific APR, fee, or loan amount information disclosed on the site; borrowers must submit personal data before seeing actual terms
- Acts as a lead generator/marketplace, not a lender, so terms depend entirely on partner lenders with no guarantee of quality
- Missing critical disclosures about average rates, typical loan amounts, repayment periods, and regulatory status
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.0
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is Payday Loans Cash legitimate?
Yes. Payday Loans Cash is a registered company, headquartered in 4448 Virginia Beach Blvd, Virginia Beach, VA 23462.
Quick Facts
- Headquarters
- 4448 Virginia Beach Blvd, Virginia Beach, VA 23462
- 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 a lending marketplace best suited for Phoenix/Arizona borrowers who prioritize speed and have poor credit, but the extremely poor website quality, missing company information (404 About Us page), and complete lack of transparent pricing are serious red flags. Borrowers must submit personal information before seeing actual rates and terms, and the incoherent website content raises questions about the company's legitimacy and professionalism—exercise caution and compare offers carefully.
Best For
- Phoenix and Arizona residents seeking fast access to emergency cash with minimal application steps
- Borrowers with poor or limited credit history who may struggle to qualify with traditional banks
- Consumers facing unexpected expenses who prioritize speed of funding over rate shopping
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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