Loans Near Me with Fast Approval For Bad Credit Customers.

If you need money, but you have bad credit, it’s understandable that you may feel desperate. Unsecured bank loans are out of the question, and you don’t have collateral for a secured loan. You may tell yourself, “I need to find loans near me,” because that’s the only option you think you have.  But in many cases, ACFA can provide the cash you need – when you need it – without the drawbacks of payday loans.

Loan Stores Near Me

Unless you live in a tiny town, one answer to the question “where can I find payday loans near me?” may be a payday loan store. Depending on where you live, they may be called check-cashing stores or even currency exchanges – but the procedure is the same.

You submit your application and supply one or more post-dated checks. If you’re approved – and if you have a job, you’re almost guaranteed to be approved – you can walk out the door with cash.  But if you don’t have the funds in your bank account to cover those post-dated checks, you’re hit with NSF fees from your bank and late payments from the payday lender.  If that happens too many times, you may lose your account.

Payday Loans Near Me Online

Sometimes, the answer “where can I find payday loans near me?” is nowhere.  If you live in a state that has outlawed payday loan stores or don’t have a car, you may not have any way of getting to a payday loan store.  Or you may just be embarrassed by the prospect of running into someone you know.  Either way, online payday lenders often seem appealing – and why not?

Their websites often feature big headlines promising “No credit check!” or “100 percent accepted!” But what those headlines conceal is that these websites don’t provide loans at all. Instead, they serve as intermediaries that distribute borrowers’ information to third parties. In some cases, your data may be sold to the highest bidder. Can you say identity theft?

Online Direct Payday Lenders

If you’re “lucky,” the answer to the question “where can I find payday loans near me” is an online direct payday lender. With online direct payday lenders, you can apply from home and receive your money via direct deposit into your bank account on the next business day.  

That’s the good part, and for many borrowers, it’s an apparent lifeline.  But payday loans are little more than traps.  They combine a trio of factors: high-interest rates, required lump sum repayment, and short repayment periods to create an impossible scenario for many borrowers who cannot repay their loans on their original repayment dates.

Payday lenders respond by accepting partial payments from borrowers and rolling over the remaining balance into a new loan, triggering a cycle of partial payments and rollovers that can persist for a month before the loan is finally paid.

ACFA: The Better Alternative

With ACFA, there’s no need to ask, “where are payday loans near me?”  ACFA features the convenience of online-only** applications and responds within minutes†.   But ACFA is way better than a payday loan.  Our loans feature manageable monthly installments, not lump sum repayments.  

And we say NO to rollovers.  If your credit isn’t perfect, you may still be approved. With ACFA, you’re more than a FICO score, and we support many borrowers banks turn down. ACFA provides good people with the loans they need now and empowers them to improve their overall financial futures. Check out the ACFA advantage for yourself!

How It Works

  • Apply Now

Complete our easy online application. It takes 5 minutes, and there is no paperwork and no faxing required.

  • Get Approved

You will get a quick loan approval decision. We are a direct lender, so there is no long wait for an answer.

  • Get Your Money

We deposit your money right into your bank account. Your installment loan payments come from the same account – automatic, no hassles.


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Personal Finance Writer at | Website

Cathy Pamela Turner has extensive expertise in banking, finance as well as accounting. A large portion of her experience was spent within commercial banks, where she worked in the roles of an underwriter credit Risk Policy Manager director of credit risk, chief credit executive, and many more. Throughout her banking career Cathy not only reviewed different kinds of commercial and personal loans, but also created and monitored policies about the origination of these loans and how they were controlled.