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PayDayAllDay in Portland, OR
PayDayAllDay Portland, Oregon — PayDayAllDay offers payday loans and cash advances from $250–$5,000 with online and in-person applications across Ohio. ...
Data compiled from public sources · Rating from CreditDoc methodology
PayDayAllDay Review
PayDayAllDay is a payday lending storefront and online lender operating across Ohio since 2019, with physical locations in Columbus, Cincinnati, Cleveland, and Findlay. The company positions itself as a borrower-friendly alternative to traditional banks, explicitly targeting consumers with damaged credit histories who cannot qualify for conventional loans.
The company offers payday loans, cash advances, and installment loans ranging from $250 to $5,000. Applicants must be 18+, have a verifiable income source (preferably $1,000+ monthly), maintain a checking account, and provide valid ID. PayDayAllDay advertises free online and offline consultations, extended business hours (8am–10pm daily), and loan approval within minutes. They explicitly market to bad-credit borrowers and claim to offer competitive interest rates, with additional discounts available to borrowers with good credit.
PayDayAllDay differentiates itself through human touchpoints—offering free in-person consultations with tea or coffee, maintaining multiple physical locations, and employing local branch managers. The company emphasizes transparency and accessibility, claiming continuous service improvements. They do not require extensive documentation, positioning this as a customer convenience feature.
PayDayAllDay is a payday lender, which means borrowers face high interest rates and short repayment terms (typically 2 weeks). The website does not disclose APR, making true cost comparison impossible. While the company claims competitive rates, payday loans inherently carry significant financial risk, particularly for low-income borrowers. The stated loan amounts ($250–$5,000) and rapid approval process are hallmarks of high-cost, short-term debt that can trap borrowers in cycles of repeat borrowing.
Services & Features
Bad-credit loan options
Cash advances
Email customer support
Free financial consultations (in-person)
Free financial consultations (online)
In-person loan applications
Installment loans
Multi-location service access (Ohio)
Online loan applications
Payday loans ($250–$5,000)
Phone application support
Same-day loan approval
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Loan amounts up to $5,000, higher than typical payday lenders capping at $1,000
- Extended operating hours (8am–10pm, 7 days/week) including weekends
- Multiple Ohio locations for in-person applications and consultations
- Explicitly accepts applicants with bad credit history; advertises no credit check requirement
- Free consultations available both online and in-person
- Minimal documentation requirements compared to traditional lenders
- Same-day or rapid approval claimed (timeline: a few minutes for review)
Cons
- APR not disclosed on website, preventing cost transparency and comparison
- Payday loans inherently carry high interest rates and short repayment terms, creating debt-trap risk
- Minimum monthly income requirement ($1,000) excludes lowest-income earners who may be most desperate
- Physical address discrepancy: website lists two different addresses for Columbus location (725 W State St vs. 745 W State St)
- Business established only in 2019; limited long-term track record and consumer reviews unavailable on website
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
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Frequently Asked Questions
Is PayDayAllDay legitimate?
Yes. PayDayAllDay is a registered company, headquartered in 1414 NE 181st Ave, Portland, OR 97230.
Quick Facts
- Headquarters
- 1414 NE 181st Ave, Portland, OR 97230
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on PayDayAllDay
PayDayAllDay is best for consumers in immediate financial crisis who have exhausted traditional credit options and have verifiable income but poor credit history. The primary caveat is that payday loans are expensive short-term debt; while PayDayAllDay may offer faster access than banks, the true cost (undisclosed APR) and repayment pressure create significant financial risk, particularly for repeat borrowing. This product should be a last resort, not a primary borrowing strategy.
Best For
- Borrowers with poor credit history unable to qualify for traditional bank loans
- Consumers needing $250–$5,000 within hours and unable to wait for conventional loan processing
- Workers with unstable employment who have verifiable income but lack credit documentation
- Those preferring in-person consultation over purely online lending platforms
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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