We offer online loans only in the states of California, Hawaii, Kansas and Louisiana at this time. Residents of other states should use our Store Locator to find the closest retail location where they can apply for a retail loan.

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Consumer Education

We’re telling all.

Smart Use of a Payday Loan

Many of us find it increasingly difficult to scrape by until the next pay day. Payday loans are unsecured, short-term loans that should be used to handle emergency expenses between paydays. It’s like bringing your payday forward. You should only borrow what you need and pay it back in full on your next payday.

While payday loans are a convenient way of handling immediate cash flow needs, they are not recommended as a long-term financial solution. When used sensibly, these loans are an excellent source of quick and temporary cash. However, as with improper use of any financial product, overuse can lead to hardship, if not managed wisely. If you need help understanding the terms of your loan, the Customer Service Representatives in our stores are happy to answer any of your questions in plain language.

Our customers are encouraged to explore what financial solution is right for their particular situation. Once you consider all of the information and options, the choice is yours. In many cases, the cost of a payday loan is less expensive than late fees on some bills or a bank’s non-sufficient fund fees. If you find yourself constantly outspending your budget or frequently over using any type of temporary cash advance, we suggest that you seek professional advice from a non-profit credit counselor or consider other finance options.



Legal Disclaimer:
Information provided on the Consumer Education section of this website is believed to be accurate and reliable when placed on this site. MONEY MART® cannot guarantee it is accurate, complete or current at all times. Information on this site is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard. You should seek guidance from a certified financial advisor or credit counselor for specific advice that is applicable to your individual situation.