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PayDayAllDay in Fresno, CA
PayDayAllDay Fresno, California — PayDayAllDay offers payday loans, cash advances, and installment loans from $250–$5,000 at multiple Ohio locations, se...
Data compiled from public sources · Rating from CreditDoc methodology
PayDayAllDay Review
PayDayAllDay is a multi-location payday and cash advance lender operating in Ohio since 2019. The company runs physical branches in Columbus, Cincinnati, Cleveland, and Findlay, while also offering a fully online application process. Each branch has a named manager and dedicated local phone number and email, giving the operation a localized feel despite its multi-city footprint. The Columbus branch at 745 W State St is open Monday through Sunday, 8am to 10pm, which is broader than typical bank hours.
The company's primary products are payday loans, cash advances, installment loans, and check cashing services. Loan amounts range from $250 to $5,000. Applications can be submitted online or in person, and the company claims a fast review-and-approval process. Borrowers are required to be at least 18 years old, have a monthly income of at least $1,000 (from any source), hold a checking account, provide a valid government-issued ID, and supply a phone number and email address.
PayDayAllDay explicitly markets to borrowers with damaged credit histories, positioning itself as an alternative to traditional banks that decline bad-credit applicants. The company also advertises differentiated rates for borrowers with strong credit, suggesting tiered pricing. Free consultations — both online and in-person — are offered to first-time borrowers who want to understand loan terms and costs before committing. The company emphasizes speed, accessibility, and minimal documentation as core differentiators.
However, key financial details are conspicuously absent. The website lists interest rates and APRs as 'N/A' for all product types, which makes it impossible to evaluate the true cost of borrowing before applying. This lack of upfront rate disclosure is a significant drawback, particularly for payday and cash advance products that commonly carry triple-digit APRs. Borrowers should request specific rate and fee disclosures before proceeding and compare alternatives carefully.
Services & Features
Bad credit loans
Cash advances
Check cashing
Free loan consultations (online and in-person)
In-person branch applications
Installment loans
Multiple Ohio branch locations
Online loan applications
Payday loans ($250–$5,000)
Same-day or fast loan approval
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Accepts applicants with bad or damaged credit history
- Loan amounts up to $5,000, higher than many payday-only lenders
- Open 7 days a week, 8am–10pm — broader hours than typical financial services
- Free consultations available both online and in person for first-time borrowers
- Multiple Ohio branch locations (Columbus, Cincinnati, Cleveland, Findlay) with local contact info
- Advertises lower rates for borrowers with good credit, suggesting tiered pricing
- Online application available with minimal stated documentation requirements
Cons
- Interest rates and APRs are listed as 'N/A' on the website — no upfront cost transparency
- Payday loan products typically carry very high APRs; costs are not disclosed for comparison
- Service area is limited to Ohio; no national availability
- Requires minimum $1,000/month income, which may exclude some emergency borrowers
- No information on loan terms, repayment schedules, or rollover policies provided on the site
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 5161 N Blackstone Ave, Fresno, CA 93711.
Quick Facts
- Headquarters
- 5161 N Blackstone Ave, Fresno, CA 93711
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on PayDayAllDay
PayDayAllDay is best suited for Ohio residents with limited credit options who need short-term cash access and want the option of face-to-face service at a local branch. The main caveat is that the company does not disclose its interest rates or APRs publicly, which makes cost comparison impossible without applying — a serious transparency gap for high-cost lending products.
Best For
- Ohio residents needing fast cash between $250 and $5,000
- Borrowers with poor or damaged credit who have been turned down by traditional lenders
- First-time payday loan borrowers who want a free in-person or online consultation before applying
- Consumers who prefer dealing with a local branch that has a named manager and local phone number
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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