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What is a payday loan?

A payday loan (also called a cash advance, paycheck advance or payday advance) is a small, short-term loan that is intended to cover a expenses until your next payday. These loans can also be called cash advances, and are similar to receiving cash from an existing line of credit such as a credit card.

With an active checking account, direct deposit and a job you can receive funds in your account in a very short period of time. The money is electronically deposited to and repaid from your bank account on agreed upon dates to allow you the flexibility to handle those emergency cash situations such as unexpected medical bills, auto repairs or other short term cash needs.

PaydayTopia.com is not a lender. We identify lenders that can provide you with a short term cash loan and will attempt to match you with a lender most likely to provide you the cash you need. If you are matched with a lender, the lender will contact you to complete the process, review the terms of your loan and discuss repayment and extension options. The money will be electronically deposited into your bank account. When the loan is due, your cash advance fees are automatically deducted from your bank account by the lender.

Let us help you find a lender for your short term cash needs!
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Paydaytopia.com is not a lender and does not make loans, cash advances or credit decisions.  Paydaytopia.com will attempt to match you with a cash advance lender based on your application, is not an agent or representative of any service provider and does not endorse any service or product.  Completion of an application does not guarantee that you will be approved for a cash advance offer. Lenders provided through this service are not available in all states and the states serviced by lenders may change without notice.

CONSUMER NOTICE: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Consumers with credit difficulties should seek credit counseling.