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Payday Loans Online

Low fee online cash advance and payday loans up to $500.00 Overnight.
     
Do you have?
     
Yes
No
 
Direct deposit
Net income over
$1,500.00
Checking account
Direct work number
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Hot Payday is your best online provider for payday loans and cash advance. We offered one of the lowest fees in the cash advance industry. Hot Payday only charges a flat fee of $15 dollars per $100 borrowed. There is no fee for applying or any hidden fees in the online payday loan application process. Check out our complete low fee schedule and repayment options on our fees page.
 
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Phone: (800) 774-2215
Fax:      (800) 774-2216
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Office Hours:
Monday – Friday
7:00 A.M. – 4:00 P.M. PST
Online payday loan security
Low interest Payday Loans and Cash Advances online

You can get up to $500 dollars directly deposited into your account the next business day when approved. You simply need to have direct deposit, a regular checking account of at least 3 months old, net income of $1500 monthly and a direct work number so that we may contact you if we need additional information. If you meet those qualifications, you may be able to get the money you need for those unexpected emergency bills, such as car repairs or high phone bills. No more standing in long lines, everything is done completely online in the privacy of your own home. Simply fill out our easy online cash advance application and one of our service representatives will contact you. All personal information is encrypted on our online cash advance application when it is sent to us via the internet. Satisfaction is guaranteed!

IMPLICATIONS OF LATE AND NON-PAYMENT:
If you are unable to pay back your loan when it is due, you are entitled of entering into an Extended Payment Plan (EPP). This service allows borrowers to be repaid his/her loan over a period of additional weeks. Additional fees or charges may apply in the event that you are unable to repay your loan in FULL or made a late payment. Hot Payday charges an extension fee of $15 per $100 owed on per loan. Hot Payday may also charge a late payment or return item fee of $20. If this situation does arises, we will make every effort to work with you to get you back on your track.

CODE OF PRACTICE/RESPONSIBLE LENDING:
Hot Payday firmly believes that any payday loan transactions should be conducted in a safe and responsible manner with appropriate consumer protections. Hot Payday abides by mandated industry best practices to ensure responsible conduct and to borrower's rights. Hot Payday will not begin collection activities while a customer is enrolled in the EPP as long as all obligations under the EPP are met. If however, a customer does not repay the loan as agreed to in the EPP amendment, Hot Payday may take action to collect the outstanding balance. In the case of default, a customer may also be subject to additional fees and charges as provided for in the loan agreement or by law. Hot Payday utilized in-house collection to work out a payment plan.

DISCLOSURES OR APR (Annual Percentage Rate) AND FEES
Hot Payday charge a flat rate of $15 per $100 borrowed. The APR on our cash advance loan can vary from 184% to 760% depending on the term days of your next pay date. The duration of the loan, fees incurred, late payment, non-payment, renewal actions, and other factors will affect the APR of your loan. Please refer to the Fees Page for additional information.

CONTACT INFORMATION:
If you have any questions or comments, please direct them to the address below:
881 Baxter Drive
South Jordan, UT 84095
Hot Payday is registered with the Utah Department of Financial Institutions

 
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