Our convenient and cheap payday loan process.

'Payday loans' are small, short-term instant pay day loans made by check cashers or similar businesses at comparatively higher interest rates. Typically, a borrower writes a personal check for $100 to $500, plus a fee, payable to the lender. The lender agrees hold onto the check until the borrower's next payday, usually one week to one month later, only then will the check be deposited.

CashOne, one of the premier lenders of personal emergency money, headquartered in Utah is registered with the Utah Department of Financial Institutions. The finance fees of this established payday loan, Utah company is calculated at 521.43% APR(Annual Percentage Rate- the cost of credit on a yearly basis), until your due date.

You can find your finance fee by multiplying the amount borrowed by 5.2143 (521.43%), divided by 365, times the number of days to your due date. For example, if you borrow $300 for 15days, your finance fee will be $64.28= $300.00 x 5.2143 / 365 x 15. If you borrow $100 for 18 days, your finance fee will be $25.72 = $100.00 x 5.2143 / 365 x 18.

The instant payday loan amounts available depend on borrower's earnings and approval. To find out if you are eligible for a payroll cash advance loan, just fill out an online application form and you’ll be on the road to fast cash.

CashOne charges you for the days you borrow and not a flat fee. And, the fact is that most payday loans are for less than 14 days until the first payment is due. And, that is where it save you so many dollars.

How to determine your payday loan due date
Your due date is your next payday, unless it is less than 7 days or more than 21 days from your loan date. If your payday is less than 7 days, your due date must be your subsequent payday or 21 days, whichever is less. If your next payday is over 21 days away, then your due date must be in 15 days.

If you are unable to pay off your payday loan on your due date you may be eligible to extend your loan, by paying all interest earned up to your due date, plus any required payment towards principal.

Payment Options
When your loan falls due, payday loan company CashOne will automatically renew your loan and withdraw the loan fee from your bank account.

Full Payment Option: If you want to pay back your loan in full with cash, cashiers check or money order, it will be marked 'paid in full' the day we receive the payment. Full payments made via electronic funds transfer or Automated Clearing House(EFT/ACH) will be marked 'paid in full' once cleared funds are received from your bank. This process usually takes two bank business days.

Extension Only This payment option includes the earned interest fees only and can be used a maximum of two times on any one loan.

Extension Plus This payment option includes the earned interest fees plus an additional 10% or more of your original loan balance, paid towards principal loan pay down. If you cannot pay off your loan in full, this option helps reduce your principal loan balance and reduces future interest fees and overall loan cost.

Early Payment Option: Loans paid off early will only be charged the principal loan balance, plus the prorated earned interest to the scheduled pay off date.