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PD Cash Advance & Loans is an online lending marketplace connecting borrowers to a network of lenders offering payday loans, cash advances, and personal loans up to $35,000.
Data compiled from public sources
PD Cash Advance & Loans operates as a lending marketplace rather than a direct lender, connecting borrowers with a network of third-party lenders. The company facilitates applications for emergency cash products including payday loans, cash advances, bad credit loans, and personal loans ranging from $500 to $35,000. Their primary function is to streamline the loan application process through a single online form that gets reviewed by multiple lenders in their network, potentially generating multiple competing offers.
The platform advertises speed as a core feature, claiming borrowers can receive loan offers in as fast as 15 minutes and potential direct bank deposits within 24 hours. They emphasize safety by explicitly warning consumers that legitimate lenders in their network do not request advance payments or fees before loan approval, and they caution users about common scam tactics involving gift cards, bank transfers, and payment apps. The company positions itself as accessible to borrowers with varying credit profiles, offering specific loan categories for bad credit applicants.
What distinguishes PD Cash Advance & Loans is their stated commitment to transparency regarding marketplace lending, with repeated prompts to review loan disclosures and terms. They also emphasize consumer protection by clearly labeling payday loans as a last resort and warning against upfront payment scams. The platform's stated ability to generate up to five competing loan offers from their lender network gives borrowers potential price comparison options within a single application.
As a marketplace facilitator, PD Cash Advance & Loans does not set rates, terms, or eligibility criteria—these are controlled by individual partner lenders. Borrowers should be aware that published application timing timelines and high loan amounts come with corresponding risks; payday loans and cash advances typically carry high APRs (often 300%+), short repayment terms, and can create repeat-borrowing cycles. The disclaimer that "payday loans should be last resort" reflects industry regulatory guidance but acknowledges the high-cost nature of these products.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Durham, NC. It does not confirm that PD Cash Advance & Loans or this specific location is licensed.
State regulator
North Carolina Commissioner of Banks
Consumer protection
North Carolina Attorney General Consumer Protection Division
Status: Not permitted
Rate context: Prohibited
North Carolina banned payday lending in 2001 when the Check Cashers Act authorization expired. NC was one of the first states to implement a statewide payday loan ban, setting a national precedent.
Status: Permitted
Rate context: 8% APR general usury cap; 30% APR for consumer finance companies on loans under $10,000 under the Consumer Finance Act
Installment loans are regulated under N.C. Gen. Stat. § 53-180 et seq. (Consumer Finance Act). Licensed lenders must comply with rate caps and truth-in-lending disclosures.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
PD Cash Advance & Loans offers 9 services including Online marketplace application form connecting to lender network, Payday loan facilitation, Cash advance product connections, Bad credit loan options, Personal loan connections up to $35,000, and 4 more.
PD Cash Advance & Loans has profile signals associated with Borrowers needing immediate emergency cash ($500-$1,000) who report limited alternatives, Applicants with poor credit scores unable to qualify for traditional bank loans, Consumers seeking to compare multiple loan offers quickly without applying to each lender individually.
Key strengths: Fast application process with loan offers potentially delivered in 15 minutes; Explicitly warns consumers about upfront payment scams with high-cost lending risk context tactics; Access to up to five competing loan offers from their lender network in single application. Areas to consider: As a marketplace, PD Cash Advance has no control over rates, terms, or lender quality—rates typically range 300%+ APR for payday products; Payday and cash advance loans carry short repayment terms and high risk of repeat-borrowing cycles.
In the Emergency Cash category, comparable providers include ACE Cash Express, ACE Cash Express, Amer Payday Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
PD Cash Advance & Loans is best suited for borrowers facing genuine financial emergencies who are researching short-term cash access and have already explored alternatives like credit unions, employer advances, or personal networks. The critical caveat is that payday loans and cash advances are high-cost products (typically 300%+ APR) designed as temporary solutions; they should only be used for true emergencies and repaid quickly to avoid debt traps.
Charlotte's ACE Cash Express on Freedom Dr offers payday and title-loan profile details with flexible terms.
Profile signals: Unbanked or underbanked consumers who need to cash a check without a bank account, Borrowers needing small emergency cash ($50–$715) same-day at a physical store
Charlotte, NC's ACE Cash Express on Beatties Ford Rd offers payday and title-loan profile details with provider-stated funding timing.
Profile signals: Unbanked or underbanked consumers needing check cashing without a bank account, Consumers who need a small installment or title loan quickly and have no bank financing option
Advance America offers payday loans, cash advances, installment loans, and title loans with provider-stated funding timing and online approval in minutes. No good credit required.
Profile signals: Consumers facing genuine one-time emergencies (medical bills, car repairs, eviction notices) who need funds within hours, Borrowers without access to traditional bank credit who need a vehicle title loan with quick funding
Answer 3 quick questions to review category, service, and profile context.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
Lenders are required to 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 lower-cost 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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost 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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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 may only be required to repay the principal — no interest or fees.
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.
Cash advances are a repeat-borrowing risk: 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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