Action Payday

Out of Business

Action Payday

in Payday Loans

Out of Business

Action Payday

in Payday Loans

SuperMoney Net Recommendation Score -75% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

1 user recommends
0 users are unsure
7 users don't recommend
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Where does Action Payday do business?

Action Payday is  based in Flandreau, SD. It was founded in 2008 and offers access to payday loans in 36 states (and Washington, DC).

What loan fees does Action Payday charge and what are the equivalent APRs?

Action Payday offers payday loans with loan fees ranging from $10 to $30. These loans are meant as a short-term source of credit but if you calculated the annualized percentage rate of those fees you get APRs ranging from 353.23% to 365.75%.

How much can you borrow from Action Payday?

Loan amounts start at $100 and go up to $1,500.

What do you need to qualify for a loan with Action Payday?

Applicants with a credit score of at least 350 can apply for a loan via Action Payday. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Only U.S. citizens and permanent residents can apply for a loan.

You'll need a minimum monthly income of $1,000 to qualify for a loan with Action Payday. Action Payday will also consider borrowers who are unemployed. Borrowers must have an active checking account to apply for a loan. Active duty servicemembers and their covered dependents cannot apply for a loan via Action Payday. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

What is the estimated funding time for a payday loan via Action Payday?

Action Payday will typically provide a credit approval decision in less than an hour and fund the loan within 3 day.

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Available in 36 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • California
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Hawaii
  • Idaho
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Maine
  • Michigan
  • Minnesota
  • Mississippi
  • Montana
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Loan Fee
$10 - $30
Minimum Age
Minimum Monthly Income
Credit Score Range
350 - 850
850 300
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Bank Account Required?
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Funding Time Range (in days)
1 - 3
0 7
No Credit Check
Direct Deposit
Online Application
Loan Amount
$100 - $1.5K0
$50 $5
353.23% - 365.75%
87% 2,464%


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