PayDay OK Payday Loan Service Review

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PayDay OK Star Rating

We at Star Reviews know that when it's crunch time and the bills are due, sometimes you need a little help. PayDay OK was one of the paycheck advance reviews we completed in order to find you great options to borrow some cash from. Find out what we discovered below.

What's New?

Great Rate Guarantee-If you find a lower rate, they will match it.
Instant application results 24 hours a day, 7 days a week - no faxing required.
Refer-a-friend & get a $10 bonus!

Star Reviews Favorite Feature:
The fact that telephone support is offered and there was little to no hold time was extremely beneficial and a big plus in our book.

The Loan Process:
PayDay OK's online application process was quick and relatively painless. The only thing we didn't like about this online application was the fact that you have to give your email address and create a user ID and password before you even see the application, which could be a deterrent for some users. Once you are approved for the payday loan, the funds are deposited directly into your checking or savings account the next business day.

Payments:
When your paycheck loan payment becomes due, the funds are withdrawn directly from the account they were deposited into. You have the option of paying the entire balance at once, the finance charges and a portion of the principle or just the finance charges. Depending on which state you live in, you may be able to pay off the loan early and receive prorated finance charges.

Requirements:
In order to qualify for a paycheck loan with PayDay OK, you must have a checking account that is in good standing and you must not have had any bounced checks or overdraft charges in the past 30 days. Your checking account must also have a positive balance and you must provide proof of income.

PayDay OK Features:

Loans from $100 to $500
24/7 no-fax immediate approval process.
Next-day deposit of funds.
14-day loan period.

Pricing Plan:
PayDay OK charges a rate of $10 for each $100 borrowed. If you borrow $500, your costs are $50 the first time you borrow and $50 each time thereafter.

Customer Support:
Customer support is available via phone and email. When we called the customer support number, the phone was answered immediately and we were able to speak with a rep. Our rep answered our questions thoroughly.

When we sent an inquiry via email, we received an auto-response telling us we would be answered within 24 hours. Approximately 24 hours after we sent our initial inquiry, we received another response stating that they could not locate an account with our email address and to resubmit the question from an email address connected to a loan account, meaning they would not provide a response to our email question unless we already had a loan out with the company.

Upside:
The application process is simple and straightforward and the approval process is very fast.

Downside:
Providing email address and personal info prior to application access.

PayDay OK Summary:
This payday loan service is one of the best, in our eyes. Not only do they offer the lowest loan rates we've come across ($10 per $100 borrowed) but they will match you on a lower rate through their Great Rate Guarantee. The application is painless to fill out and you may receive instant approval. There is also next-day deposit of funds, so you won't have to wait around for the money you so desperately need. Telephone support was great (what a rarity on paycheck advance services!) but email support threw us for a loop. Overall, this is one of the top payday loan services!

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