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Best Payday Lenders in Omaha, NE

Dec. 17, 2019, 8:56 p.m.

If surprise expenses come up or you’re short on cash to pay bills, consider a payday loan. Applying is quick and easy, and good credit isn’t necessary. You’ll want to work with a lender that is licensed, has lower fees and offers flexible repayment options. Our partners at ConsumerAffairs researched the best payday loans in Omaha to help you get the borrowing process started.

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#1
RECOMMENDED
EZ Money Check Cashing

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#1 MOST POPULAR
EZ Money Check Cashing
EZ Money Check Cashing
Features
  • Terms of two to four weeks
  • Invests in personal relationships with customers
  • Money available the same day
  • Online application available
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Location
9209 Maple St.
Omaha, NE 68134
(402) 393-6683
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#2
Payday Express
Payday Express
Features
  • Compliant with all state & federal regulations
  • Simple & stress-free app process
  • No credit check required
  • Trusted lender for more than a decade
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Location
22505 S. 120th St.
Omaha, NE 68144
(239) 278-5656
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LendNation
LendNation
Features
  • M-Th: 9am - 6pm
  • F: 9am - 7pm
  • Sat: 9am - 4pm
  • Closed Sun
  • lendnation.com/locations/nebraska
Location
1307 S. Saddle Creek Rd.
Omaha, NE 68106
(402) 553-7201
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Advance America
Advance America
Features
  • M-Th: 10am - 6pm
  • F: 9:30 am - 6:30pm
  • Sat: 9:30am - 2pm
  • Closed Sun
  • advanceamerica.net/store-locations/nebraska
Location
3327 L St.
Omaha, NE 68107
(402) 731-9876
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Paycheck Advance
Paycheck Advance
Features
  • M-F: 8am - 8pm
  • Sat: 9am - 3pm
  • Sun: 12pm - 6pm
  • paycheckadv.com
Location
631 Saddle Creek Rd.
Omaha, NE 68132
(402) 558-1080
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Check 'n Go
Check 'n Go
Features
  • M-Th: 10:30am - 6pm
  • F: 10am - 7pm
  • Sat: 10am - 2 pm
  • Closed Sun
  • locations.checkngo.com/nebraska/omaha
Location
7408 N. 30th St.
Omaha, NE 68112
(402) 455-0884
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Cash Depot
Cash Depot
Features
  • M-F: 9am - 6:30pm
  • Sat: 9am - 5pm
  • Closed Sun
  • cashdepotomaha.com
Location
4223 S. 84th St.
Omaha, NE 68127
(402) 339-0099
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How to get a payday loan in Omaha

Omaha skyline

Nebraskans took out nearly 570,000 payday loans in 2017. In Omaha, you can borrow up to $425, using a check as collateral, for a maximum 34-day term.

Payday loans in Omaha are a fast and simple way to get cash. However, the convenience comes at a cost. The average interest rate for a payday loan in Nebraska in 2017 was 404 percent. To borrow $425, you may have to write a check for as much as $500, which the lender holds until payday or an agreed-upon date.

Because of the high costs of borrowing, think first about payday loan alternatives:

  • Borrowing money from a family member or friend
  • Asking for due date extensions
  • Applying for a loan from a credit union or bank
  • Requesting a salary advance from an employer

If none of these is possible, cash is always available with a payday loan — sometimes on the same business day. Some lenders allow you to complete the entire process online, while other companies may ask you to come to an Omaha location.

When applying for a payday loan in Omaha, be prepared to show:

  • Government-issued ID
  • Social Security number or
  • Proof of income
  • Open and active checking account
  • Working email address and/or phone number

Remember, payday loans should be used as a short-term solution, not a long-term financial strategy. Always take note of the total cost of the loan, which lenders are required to provide, and only borrow what you can afford to repay. If you can’t repay a payday loan in Omaha on time, state law allows borrowers to use an extended repayment plan once in a 12-month period.

EZ Money Check Cashing

EZ Money Check Cashing

EZ Money has over 20 years of experience in the payday lending industry. The company operates in multiple states, with a flagship location in Omaha. Customers can complete the online application in just a few minutes and get same-day approval. Local reviewers in Omaha say the in-store staff are easy to work with and provide a hassle-free payday lending experience.

Payday Express

Payday Express

At Payday Express, all you need is an ID, checking account and proof of income, and you’re ready for a loan. No credit check is necessary as long as you have a job. Stop at any of several Omaha-area locations, and friendly staff will walk you through the process. Many customers say Payday Express makes payday lending stress-free and easy to understand.

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