EZPaydayCash.com is an online payday lender based in Salt Lake City, Utah. The company is a direct lender and claims to abide by Utah laws, which isn't difficult considering Utah's payday-friendly regulations. EZPaydayCash.com has been banned from Oregon, California, and Washington for operating without a license. You can check whether a lender is licensed to operate in your state by checking the database of your local Department of Financial Institution, or its equivalent.

How Does It Work?

The entire process is performed online. There are no credit checks or faxes to send, just a simple form to complete. Interest rates are very high and repayment periods are very short. There are no credit checks, although EZPaydayCash.com will confirm your identity through other means.

What Are The Interest Rates?

Loan fees amount to $30 for every $100 borrowed. Converted to APR this amounts to interest rates ranging from 365% to 1564.28% APR depending on the length of the loan term.

How Much Money Can I Borrow?

The maximum amount is $1,000, although for an immediate decision the maximum amount is $500.

What Is the Application Process Like?

Approval decisions are provided instantly and money is usually transferred within one business day. To qualify you need to have had an active bank account for three months, the same employer for also three months, a minimum monthly income of $1,000, and you can't be currently going through a bankruptcy.

How Is It Better Than Other Lenders?

EZPaydayLoans.com has fast service and an entirely online loan application and cash transfer process, but these are its only saving graces. EZPaydayLoans.com has a bad record with financial regulation authorities. It repeatedly operates in states where it is not licensed to do business, and its interest rates are outrageously high, even for a payday loan. To top it, it has an F with the Better Business Bureau for its high number of unresolved complaints.

  • Advance Fee APR
    365% - 1564.28%
  • Desired Loan Amount
    $200 - $1000
  • No Credit Check
  • Min Monthly Income
  • No Other Outstanding Loans
  • Direct Deposit
  • Instant Decision
  • Online Application
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0 votes

I don't know if they just don't know what the hell they are doing or they really just don't care at all about their customers. The worst customer service I have ever experienced.

0 votes

EZ Payday Cash really means what they say. The funds are directly transferred to you, zero hassle. I've already used them twice for debt consolidation and I couldn't be happier! They even give you credit towards your next loan!

0 votes

So glad that I read through all the fine print before actually taking the loan offer from these theives! I would have ended up paying back almost twice as much as I would have borrowed if I actually would have gone through with the process. The hook is how fast you get the moneyand how little effort you have to initially put into qualifying. Don't be fooled!

0 votes

Everything is online, which would make you think it would be an easy process. But that is not the case! This place is a total rip, and they make it nearly impossible to get a good deal. They make you feel like you are a piece of you know what.

0 votes

I hate this company, I got denied and I have no idea why because I can't contact anyone because of the fact that it's completely online. I thought it would be a good thing so I wouldn't have to wait in any lines, but it turns out to be just a front to a fraud. Go somewhere else, anywhere else! If you're going to get ripped off at least see who is ripping you off

0 votes

I wish there was a zero star option! This place is an online robbery center. I was approved instantly with my crappy credit, and right then I should have known something was wrong. The interest rate is the highest I have ever heard of and they literally give you no real time to pay back without neediing another loan. The customer service is practically non-existant. Borrow anywhere else!!!

0 votes

For not being able to borrow a whole lot, they sure do take you for a ride in interest. I ended up paying $850 on the $500 that I borrowed. That is absolutely crazy! I only had a very short time to pay them back, so I cant say that I slept any better after taking out the loan. I think I was more worried after to be honest. They will suck you dry! Beware

0 votes

Thought I was getting a quick and easy deal because the whole process is online, and no lines to wait in or people to have to deal with. Now I realize it is because the staff would be in danger of very ticked off customers if they had to wear a EZ Payday Cash uniform. These people are a scam and should be put out of business

0 votes

This company seems a little shady. I'm not sure what to expect from a loan company, but I don't think this is right. Everything is online which is pretty convenient, however I'm not really sure who's looking at all my information, and who its being sold to.

0 votes

The interest rates on these loans are astronomical, and everything is online so getting a hold of customer service is nearly impossible. Try her luck at a place where you can see the person giving you the money. Now I know why they are completely online. Because they are a total fraud

0 votes

If you need a new couch, go to Ashley funature or rent a center. I took out a short term loan for a new couch, nothing big, but it sure did turn into more than what I bargained for really quick. I could have bought a whole living room set for what I ended up paying for the loan. I would have rather had sat on my floor and waited for my paycheck than repeat that mistake

0 votes

I could never figure out what was easy about this place, because everything is online and get a hold of someone in customer service is literally impossible from what I found. I did figure everything out on my own and I still can't figure out why I was denied, because I have great credit

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