National Payday Loan Blog

Curently in the Lead:

Bilingual Payday Loans — Help for All Americans

4569102755_f2a9bb1041_zBehind English, Spanish is the most spoken language in America. There are over 45 million people in the United States that call Spanish their first or second language, and that isn’t even counting the additional 6 million who are learning the language.

There are more Spanish speakers here than in Spain or Columbia! In fact, only in Mexico will you find a higher number of people who speak Spanish.

Right now, approximately 13% of American residents speak Spanish. And this number is only going to grow.

And to all Spanish-speaking Americans we say Bienvenido a National Payday, donde se sirven las necesidades financieras de las personas que trabajan duro todos los días.” (more…)

5 Ways Our Payday Loans Beat the Big Banks

6757879327_0c50f9f6a8_zNational Payday offers a premium service – our payday loans are the easiest, fastest, and most competitive in the country. We cater our business to the hard working men and women who the big banks don’t take care of, and we do it by offering a superior product.

So, what exactly is it that makes our loans better than the big banks?

No Credit Check

Our loans are designed for people who need some quick cash to hold them over until their next payday. And so, our requirements are very simple: do you have a regular paycheck coming in? (weekly, monthly, etc)

Do you have an active bank account that we can wire money directly into?

Once we verify those two things, you are approved and can expect your money almost instantly. (more…)

Banks Overcharge with Overdrafts, How Can Payday Loans Help?

5412081717_754ac187cd_zYou know that overdraft fees are a big hassle. Of course! Everyone knows that. When you have no money, the bank lets you spend money you don’t have, and then charges you an extra fee on top of it: going over your checking by even one penny can cost you upwards of $50. It is, as we have documented here before, the biggest ongoing scam in America.

But here is what you might not know – the Big Banks are counting on your overdraft. They encourage it, they support it, they even re-structure their charges to maximize the number of fees you have to pay.

In other words, an overdraft fee isn’t just an inconvenience, it is a weapon used by the banks to rob you of every single dollar they can. (more…)

Why Are College-Educated Millennials Relying on Payday Loans?

15484726201_6c5e54875a_zWho do you think relies on payday loans the most?

While you might have a mental picture of a hard-working but uneducated blue-collar employee without a credit card or a checking account, the truth is far from what the media would have you believe.

In fact, more than ever before payday loan users are often college educated. Many of them have bank accounts and credit cards. And they are often times Millennials. (more…)

The Magnificent 7: Best Blogs of 2015

5306149864_7629de9528_zIt’s been an eventful year for all of us. In particular, this blog has been busier than ever before. The return of the annual NPD Scholarship Competition was a huge success, and generated dozens of excellent essays (all of which are available to read here on the blog!)

As 2015 comes to close, we look forward to an even bigger and bolder 2016. In the meantime, lets take a look back at the best, most informative, and most FUN blog posts of the year. (more…)

Happy Holidays from National Payday

4251819159_2b271a4ed8_zAnother year is coming to a close. And everyone here at National Payday would like to thank you for another amazing year. For eleven years now we have been the premiere online source for payday loans. It is truly our pleasure to serve you, the hard working men and women who make America great.

To you, we would like to say Merry Christmas! Happy Hanukkah! Festive Kwanzaa! Uplifting Ramadan! No matter what holiday you celebrate, we wish you peace and good times with your friends, family, and loved ones.

2015 was an exciting year for us here at National Payday. (more…)

Avoiding the “Holiday Hangover”

83581818_553ae36058_zThe December holidays — Is there any other time of year when it’s so tough to balance your personal budget?

Extra expenses abound, between decorations, get-togethers, family gatherings, White Elephants at the office party, and of course the presents! It’s all most of us can do to just make it through the gift-giving season with a dollar to our name.

And then the other shoe drops – that long, unforgiving financial corridor between Christmas and New Year’s.

It’s called the Christmas Hangover. But it doesn’t hit your health, it hits your bank account. (more…)

Stop Christmas Mischief! How a Loan Can Rescue Your Holiday

8260245626_1756e2660c_zThere are many faces to the Christmas season: jolly old Saint Nick brings presents for the good girls and boys, and the mean ole Krampus brings punishment for those on the naughty list. Frosty the Snowman brightens up snowy front yards, and red nosed reindeer perch precariously on rooftops across the country.

And then there is the Elf on the Shelf, a funny little creature who lives to make mischief around the holidays. The Elf can be fun, or he can be nuisance, there is no way to tell… which is not much different from how holiday finances work.

In fact, when your Christmas budget goes completely off the rails, perhaps that troublesome little Elf is behind it all!

Holiday Money Troubles? We Can Help! (more…)

Responsible Lending, Smart Borrowing

16658680040_73af711265_zWhat is “responsible lending”? It’s a term you see often in financial news and blogs, but what does it mean exactly?

It is the exact opposite of what many refer to as “predatory lending.” Those kind of lenders are sneaky, sometimes even illegal, who try and trick people into borrowing money to get them on the hook for a prolonged period of time. Predatory lenders use underhanded tactics like hidden fees and balloon payments so they can sneak up on their own customers and take them for every penny they can.

On the other hand, responsible lenders treat their clients with respect. They are up front about the terms and conditions of the loans, and most of the time will not loan money to someone who can’t afford to repay it. Responsible lenders are men and women who run legitimate businesses and seek to grow that business by doing things the right way, and providing good customer service. (more…)

NPD Scholarship Competition a Huge Success


The winner of the 2015 NPD Scholarship Competition, with over 1000 votes, is Marshallee Brown! Congratulations to her! Read the winning essay here.


After a year hiatus, the National Payday Scholarship Essay Competition has returned bigger, better, and smarter than ever. After taking more essays than ever before, it’s safe to say the response has been out of this world!

The last batch of entries were posted the last day of July, and now the voting process is about to be closed out, as well.

All votes must be cast by tonight at midnight!

Anyone can vote for an essay, no sign-ups of any kind required! So post, share, click, read, and educate yourself to the interesting ideas being presented from students all over the US.

Voting is easy – you can give the essay a Facebook “like” a Twitter “tweet” or a “+1” on Google Plus. Or do them all and give your favorite essay three votes! (more…)