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PaydayOK is a registered trademark of PaydayOK. PaydayOK is not affiliated with, nor does it endorse or sponsor, the contents of this webpage or the website. Trademarks referring to specific providers are used by for nominative purpuses only: to truthfully identify the source of the products about whitch information is provided. Such trademarks are solely the property of their respective owners.

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At PaydayOK, payday loans are simple and affordable - no hidden fees, no add-ons, no extra wiring fees. Plus, unlike most payday lenders, PaydayOK prorates loan fees so that customers pay less if they pay off their loans early - allowing them to save even more money!

The NoFax loan process is unique, allowing customers to complete all forms online from their home or office instead of faxing documents like so many of PaydayOK's competitors. It is fast and free with instant application results, and is available around the clock.

With PaydayOK, customers do not have to wait on someone to contact them regarding the loan. Only moments after finishing their online application, customers will know the results. The application process and their results are available 24 hours a day, seven days a week, all year long, with no worries and no waiting. Everything at PaydayOK is designed for customers to manage finances easily, quickly, and confidently.

Customers receive their loans quickly, too. In addition to NoFax loans and incredibly low rates, customers can finish their loan application by 5:00 PM CST and still expect to see the cash in their bank account the next business day.

PaydayOK offers a Low-cost guarantee on top of everything else. If customers find a lower cost payday loan on the Internet, their first payday loan is guaranteed free.

PaydayOK Frequently Asked Questions

Q. What are the payment options for PaydayOK?
A. For residents of states where PaydayOK is a lender, their payday loan can be paid off at any time or refinanced at any time. Subject to PaydayOK's refinance policy, customers may choose to:

  • Pay the loan off in full.
  • Refinance: Pay interest and fees only*
  • Refinance: Pay interest and part principal (in increments of $10)
  • Do nothing and their loan will Payday-Auto-OK
* PaydayOK policy allows a maximum of four finance charge only payments.

Simply do nothing and PaydayOK will Payday-Auto-OK their loan. On the due date, if PaydayOK does not hear from their customers, the company will automatically deduct a payment of 10% of the original loan amount plus the finance charge due. Each payment will reduce the principal balance until paid in full.

For the convenience of customers, payments will be electronically debited from their checking account unless they make alternate payment arrangements.

Q. What is required to apply for a PaydayOK loan?
A. Customers need a job or proven source of income, email address, home phone, checking account in good standing, and they must be at least 18 years of age. All signed Loan Agreements are subject to verification of prior loan history and application data.

PaydayOK defines an account in good standing if it reflects 30 days of transaction history without any of the following:

  • Non-sufficient fund transactions
  • Returned checks
  • Overdraft charges
  • Negative account balances

PaydayOK does not deposit funds into accounts with negative balances.

Applications will be either approved or declined based on evaluation of the information customers provide to PaydayOK. Occasionally PaydayOK may ask customers to fax additional information.

Q. How much can I borrow from PaydayOK?
A. PaydayOK loans range from $100 - $500. Customers may be eligible for an increase to their loan amount depending on their payment history. Details vary by state

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