ActionPayday.com is both a direct lender and a loan matching service. It is a subsidiary of FSTT Financial Services, a company entirely owned by the Flandreau Santee Sioux Tribe, which operates within the Tribe's reservation in South Dakota. Its loans are therefore subject to the laws and regulations of the Flandreau Santee Sioux Tribe.

The Washington State Department of Financial Institutions has a consumer alert on Action Payday for conducting business in Washington without a license and for withdrawing excessive fees, not providing the company's location, sending unsolicited loan applications and obtaining personal information from consumers without their knowledge or consent. (http://www.dfi.wa.gov/consumers/alerts/action-payday.htm) It seems like ActionPayday.com has since stopped doing business in Washington.

How Does It Work?

FSTT Financial Services provides payday loans through ActionPayday.com to eligible customers. Customers who don't qualify for a loan are directed to ActionPayday's loan matching service, which connects them to compatible lenders in the network. Eligibility is determined through a short form that takes a few minutes to complete. In some cases borrowers have to fax documents to substantiate the information submitted online.

What Are The Interest Rates?

Interest rates vary from 353.23% for 31-day loan and 368.75% for an 8-day loan. ActionPayday.com charges a $30 fee for every $100 borrowed. This means a $500 loan has a $150 finance charge, whether you pay it in 8 days or 31 days. The equivalent APR changes depending on the term of the loan.

How Much Money Can I Borrow?

First-time customers can borrow up to $500. Return customers who have paid previous loans can gradually increase their maximum loan amount to $1,500.

Which States Do They Operate In?

ActionPayday.com's payday loans and loan matching services are not available in Arkansas, Colorado, Georgia, Ilinois, Kansas, Massachusetts, Maryland, Missouri, New Hampshire, Oregon, New York, Pennsylvania, Washington and West Virginia.

What Is the Application Process Like?

As with most payday lenders the application process is fast and simple. The form only takes minutes to complete and the eligibility requirements are minimal. To qualify you must be at least 18 years old, have a regular source of income, an email address, a verifiable phone and an active bank account. ActionPayday.com will not perform a regular credit check but they might look into your prior loan history with payday lenders.

How Is It Better Than Other Lenders?

ActionPayday.com provides both lending and loan matching services. This can save you time by providing access to its network of lenders, if you don't qualify for a direct loan with ActionPayday.com. However, take into consideration that by using this service customers authorize ActionPayday.com and its lending partners to send promotions and offers without limitation by email, telephone and direct mail.

  • Loan Amount
    $100 - $1500
  • APR
    353.23% - 365.75%
  • Immigration Status Considered
  • Military Status
  • Supported Income Types
  • Direct Deposit
  • Online Application
  • No Credit Check
  • Funding Time
    Next business day
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0 votes

I will try this out today I hope I get approved

0 votes

Going to try this out. Hopefully it's legit and trustworthy.

0 votes

Gonna try it. I hope its legit, i need the money bad!????

0 votes

Going to try and see how it goes. Hopefully I get approved

0 votes

gunna try it out stupid how you have to comment before you try it

0 votes

This is the worse experience that I can ever imagine. They take advantage of people and it should be against the law. I borrowed $300.00 and I have paid them $600+ back and they still say I owe them 12 more payments. If you know anyone that may go to them please tell them not too.

0 votes

I have fair credit, in the high 600's, I just got stuck and took out this loan which has been a major mistake. How can they charge someone with a clean credit score 90+% intrest. Not me, Never again 😡

0 votes

They waste your time and make you fax all the paperwork in and then they DENY YOU you are never conditionally approve with them. They are the ones who sent me a pre-approved flyer with my name os

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