Features

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.

  • Advance Fee APR
    353.23% - 368.75%
  • Desired Loan Amount
    $100 - $1500
  • No Credit Check
  • No Other Outstanding Loans
  • Direct Deposit
  • Instant Decision
  • Online Application
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Reviews

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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

Gonna try it and see if it works or not I need it


0 votes

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


0 votes

Gonna give this a shot! Hopefully this one works thanks!


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


0 votes

I went online to apply for a small quick loan at Action Payday because of some recent incidents that I couldnt afford on my current budget. I got denied becausae of too many prior loans. I have taken out two payday loans ever, and paid them back. You would think they would want my business


0 votes

Action Paydaythey are a complete waste of a credit report inquiry go some where else if you want to get approve this is not the place you go you have to have excellent credit but they don't tell you


0 votes

I applied for a payday loan through Action payday because my daughter is finally of daycare age. I didnt realize how expensive the deposit was for new kids. I needed the first month upfront, so I needed the loan for that. I am a single mom, and Action helped me out.


0 votes

My computer recently took a crap and I needed to get a new one fast, but I dont have any extra cash. I applied online and got approved quickly. My interest rate though is more than the computer! Crazy, but I need it. I think these patyday companies feed on the needy


0 votes

i filled out the short online application for a payday loan and got denied due to me being rejected for a loan in the past. I should have never applied for the previous loan, but how do I know if I qualify unless I apply? I dont understand how all this works, but I know it is frustrating!


0 votes

Does anyone get approved at this company? I have a job and am going to school, and am completely capable of repaying, but I was denied for lack of full time work. They should go by how much you get paid, instead of how many hours you work. Maybe if I said it was a full time job I would have been approved


0 votes

More like no action payday. They take forever to call or email back, and when they do it has nothing to do with what you wanted to accomplish. What should have been a five minute phone call turns into meeting everyone at the call center from being transferred for and hour


0 votes

The customer reps here are aweful! They only make everything worse. I asked for a simple inquiry on my account history and I got accused of trying to avoid payment. I dont know what kind of headset this lady had on, but she need not read into my questions about MY account. Never again with action payday


0 votes

I normally go through another company for payday loans, but they relocated to i dont know where. I called Action Payday, and got approved, but the terms suck compared to my usual spot. I guess you dont know what you got till it relocates


0 votes

Action payday wasnt so bad considering my circumstances. They are conveniently online, so I didnt have to worry about store hours. My brother was recently in jail, and I didnt have the cash up front to bail him out. I got the cash to bail him out quickly. Now my only worry is him paying me back... :/


0 votes

I needed some quick cash for what I think now was a dumb reason (too embarrassed to disclose) and started shopping around online for a payday loan. I make decent money, but a few recent events left me with no extra cash. The application was easy, and the customer service reps were cool, but I got denied! really? I never even could get a staright answer as to why either. So dumb.


0 votes

I maxed my credit cards out at Christmas, and since then, things just keep getting worse. I had to move and I lost some hours at work. I tried to take out a payday loan from Action Payday, but got delied because of my lack of income. I dont know what to do, but I know Action wont help you


0 votes

I had a car accident recently and my $500 deductable was not nearly in my mimimal budget. I live alone though and need my car for work. I applied online to Action Payday, which was convenient that it was all online, and got approval that day. I am kinda bothered that this company is only online, so I can only call or email customer service, but I got what I needed and my car can be repaired.


0 votes

I went to my bank recently to take out a loan and got denied due to some recent fraud on my account at that same bank. I was so erked but I decided to get a payday loan instead. It was quick and dirty and they didnt give two s&*%s about any fraud, as long as I had legitimate income checkstubs.


0 votes

I live somewhat in the middle of nowhere, as in have hughsnet for my internet nowhere, and appreciated the whole online aspect of Action payday. I didnt have to figure out where to go once my application was done, it is all taken care of online. My interest rate is a little scary, but I got what I needed quickly and conveniently from my home in the boonies.


0 votes

I hate them! I applied and got denied, but they still call me telling me that I am pre-qualified. What? I try and tell the poor sucker on the other end of the line my history with them, and it is like I am speaking Spanish. I think they are messing with me, cause tehy cant all be that dumb right?


0 votes

Found Action Payday Loans online. I filled out a quick online application and got a phone call within a hour of submitting my application. I also got a confirmation email, so the customer service side was quick on the draw as far as getting the ball rolling. I also got some other strange emails later that day, however. Not too happy with related spam. I just need some cash till payday.


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