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National Payday Review

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PROS / You may be eligible to receive your cash deposit quickly.

CONS / You could potentially pay a very high APR.

 VERDICT / While this company's fees are typical, the possible APR can be very high.

National Payday is an online payday loan company that has been in service since 2000. It offers loans in all 42 states where payday loans are allowed. This service, however, has some very high APRs. It does not usually offer extensions or rollovers, so you will want to make sure you pay off your entire loan in a timely fashion to avoid paying exorbitant amounts of interest.

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This direct lender can approve loans of a typical amount for payday loans, but first-time borrowers generally qualify for a lesser amount than the maximum available. If you borrow more than once, the amount you can receive may increase as you pay the loans back.

  1. The ease of using the website and the application process.
    Higher is Better
  2. 9 National Payday
  3. 100%
  4. 95%
  5. 95%
  6. Category Average

The service offers fast payday loans. To apply, you usually need to provide general personal information and a valid checking account, among other things. When you complete your loan application, you can get a decision quickly on whether your application was approved. You can receive your money fast, depending on the time you submit your application and the time it takes to process your request.

National Payday deposits your money directly into the checking account you provide. Your payments are also automatically withdrawn from that account when they are due. The maximum term for a payday loan typically gives you time until your next paycheck to pay it off. This company generally does not offer extension or rollovers.

The National Payday website is very basic and easy to navigate. Unfortunately, at the time of this review, the APR disclosure table is not visible on the company's page discussing the cost of payday loans, despite text indicating it should be there. If you have questions, you can search the FAQs page, complete an online contact form or call customer service for assistance, but this company does not generally approve or deny loans over the phone.


National Payday is a direct lender that reviews and approves loans quickly, and you can have your cash deposited directly into your checking account fast. However, depending on the loan you get, the APRs can potentially be high and costly.

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