V
Venture Payday Loans
Contact
BBB:
PayDayAllDay in Bakersfield, CA
PayDayAllDay Bakersfield, California — PayDayAllDay offers payday loans and cash advances of $250–$5,000 with same-day online application, targeting bor...
Data compiled from public sources · Rating from CreditDoc methodology
PayDayAllDay Review
PayDayAllDay is a payday lending storefront operating since 2019 with physical locations in Ohio (Columbus, Cincinnati, Cleveland, Findlay) and online application capabilities. The company markets itself as an alternative to traditional bank loans for consumers needing quick emergency funds without extensive paperwork. They position themselves as credit-inclusive lenders willing to work with applicants who have damaged credit histories, emphasizing second chances and competitive rates.
The business operates extended hours (8am–10pm daily) and offers free in-person or online consultations. PayDayAllDay advertises loan amounts ranging from $250 to $5,000, though specific APRs and fees are not disclosed on the website. The Columbus location is managed by Joshua Mattoon and can be reached at (614) 618-3640.
The company explicitly states they do not require extensive documentation, only proof of age (18+), income verification ($1,000/month minimum suggested), a checking account, valid ID, and contact information. While positioned as consumer-friendly, payday loans carry significant regulatory scrutiny and typically involve high interest rates and short repayment terms, creating debt cycles for vulnerable borrowers despite the company's claims of transparency and accessibility.
Services & Features
Cash advances
Email support (43222@paydayallday.com Columbus location)
Extended-hours customer service (8am–10pm daily)
Free in-person consultations
Free online consultations
Identity verification processing
In-person loan applications at 4 Ohio physical locations
Income verification services
Loans for applicants with bad credit
Online loan applications with rapid approval
Payday loans ($250–$5,000)
Phone support (+1-614-618-3640 Columbus location)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Offers loans to applicants with bad credit history without traditional credit score gatekeeping
- Minimal documentation requirements (no extensive paperwork collection)
- Fast same-day or next-day online application and approval process
- Extended business hours (8am–10pm, 7 days a week) for accessibility
- Free in-person and online consultations available at physical locations
- Multiple Ohio locations (4 branches) plus online application option
- Loan amounts range from $250–$5,000 to cover genuine emergency expenses
Cons
- APR rates and specific fee structures not disclosed on website, preventing informed comparison
- No mention of alternative repayment plans or rollover protections required by some states
- Minimum income requirement ($1,000/month) excludes lowest-income borrowers despite bad-credit positioning
- Payday loans carry inherent risk of debt cycles due to short terms and high costs
- Website lacks details on state-by-state regulatory compliance or consumer protections
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
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 PayDayAllDay legitimate?
Yes. PayDayAllDay is a registered company, headquartered in 1615 20th St, Bakersfield, CA 93301.
Quick Facts
- Headquarters
- 1615 20th St, Bakersfield, CA 93301
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on PayDayAllDay
PayDayAllDay is designed for borrowers with poor credit or minimal documentation needs who can qualify for emergency cash loans within days. The critical caveat is that payday loans inherently carry high costs and short repayment terms (typically 2 weeks); borrowers should exhaust alternatives like employer advances, credit union PALs, or non-profit credit counseling before using this service, as the debt cycle risk is substantial.
Best For
- Borrowers with damaged credit history denied by traditional banks needing emergency funds
- Consumers requiring small-dollar loans ($250–$5,000) with same-day funding
- Self-employed or gig workers with inconsistent income documentation
- Applicants seeking minimal paperwork and quick approval processes
Updated 2026-04-29
More Emergency Cash
U
USA Payday Cash Loans Memphis
Contact
BBB:
U
USA Cash Services
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
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 →Buy Now, Pay Later: How BNPL Really Affects Your Credit
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 →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to PayDayAllDay 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.