FAQ

Frequently Asked Questions

Payday loans are short-term loans that are used to cover unexpected expenses.  There are times when you need some extra money before your next paycheck.  Payday loans are a type of cash advance that can help cover car repairs, holidays, doctor’s bills, taxes owed, appliance repairs, sick pets, rent, etc.  Payday loans are not a long-term solution but can help you take care of things when you are short on cash.

You can come into our stores and receive your payday loan in cash or EFT (electronic funds transfer).  Cash 2 U has convenient locations all over Louisiana to make it easier for you.  You can get your cash the same day you apply.

When you visit one of our many Louisiana locations to apply for your payday loan, you will need to bring your Government issued photo ID (your driver’s license or similar), a copy of your active checking or savings account or prepaid card (current statement), proof of recent income (check stub or award letter), valid phone number, verification of your SSN (social security number), and verification of address (a type of bill). You must be at least 18 years old.

  • You must be at least 18 years old
  • Have an open and active checking account
  • Be able to show proof of income
  • Have a valid phone number

Anyone who meets the application requirements can apply for a payday loan in any of our Louisiana payday loan locations.  There are many store locations across the entire state of Louisiana, and there is probably a payday loan center near you.

We make getting a payday loan simple and fast.  You start by visiting any of our Louisiana payday loan locations.  You fill out an application, bring your personal information (ID & SSN), as well as a copy of current bank or prepaid statement, proof of income (check stub or award letter), and proof of address. Once you submit your application, we can approve you in just a few minutes.

Getting a payday loan at Cash 2 U is fast and simple.  In almost every case, you can get your cash the same day.  And getting approved for your short-term loan can take as little as five minutes.  A payday loan is a great way to get the quick cash you need to take care of bills, rent, unexpected expenses, vacations, holidays, graduations and car repairs.  Payday loans are a great way to get same-day cash.

Cash 2 U in Louisiana specializes in payday loans.  A payday loan is not an installment loan, a personal line of credit or a signature loan.  A payday loan is an easier way to get a cash advance in just a few minutes.  When you come into one of our 28 Louisiana locations, you can be approved for your payday loan in as little as five minutes.

Payday loans are usually paid back around the time you get your next paycheck.  We will help schedule your loan repayment around your payday.  If you get paid weekly, bi-weekly or monthly, you can take advantage of a payday loan.

Yes!  You can repay all or a portion of your payday loan early.  You can visit any of our Louisiana payday loan locations to make a payment in person, or you can mail us payment in advance by check or money order.

We understand that things happen that may be out of your control. If you can’t make your due date, please contact or visit your Cash 2 U location, so that our friendly staff can assist with a payback option.

When you get a payday loan to get cash in hand right away, you are agreeing to a short-term loan.  There are two parts to your payday loan.  You have the balance you are borrowing and the fee to do so.  You will know the exact amount of the fee when you get your payday loan at Cash 2 U.

While Cash 2 U does not offer receiving a payday loan online, you can apply online to seek approval quicker. Cash 2 U does all of our payday loans in person at one of our many Louisiana locations.  As Louisiana’s leading payday lender, we want to have personal relationships with our customers.  We are here to help you take care of unexpected expenses and bills.  And by doing your payday loan in one of our Louisiana stores, you can get your cash in hand in just minutes.

Yes, you can make a payment over the phone.

You cannot skip a payment on your payday loan.  However, at Cash 2 U, we may be able to extend your payment due date or set up a repayment plan.  If you think you need some help, please visit one of our payday loan stores that are near you.

Cash 2 U has done payday loans for people with bad credit or a bad credit score.  The application process is the same for everyone and we can approve your loan in just five minutes when you visit one of our Louisiana payday locations.

You can apply for a payday loan at Cash 2 U if you don’t have credit.  You will need to visit one of our fast payday loan centers and bring your Government ID, a valid social security number, active checking account and proof of income.  In most cases, you can get your money the same day.

Getting a payday loan is simple and hassle free.  You can apply in person for a Cash 2 U payday loan in Louisiana in just five minutes.  We can approve you on the spot, and in some cases you will have your cash in hand just ten minutes later.

Absolutely.  Cash 2 U will keep your information on a secure database.  We do not share your information.  To learn more about this, please see our privacy policy.

Yes.  Cash 2 U is Louisiana’s hometown payday lender.  Your personal information is on a secure database and we will not share your information.  To learn more, please see our privacy policy.

Cash 2 U has convenient payday loan locations all over the state of Louisiana.  We are Louisiana’s hometown payday lender, and a solution for you when you need a cash advance, immediate cash or cash in hand right away.  Find a location near you by clicking on the store locator icon in the top right corner of our website.

Payday loans are a simple way to get fast cash.  At Cash 2 U you need to have an active checking account, proof of income, valid social security number, be 18 years or older and have a valid phone number.  Getting a payday loan is as simple as visiting any of our store locations throughout the state of Louisiana.

You can be denied a payday loan if you don’t meet the minimum borrowing requirements.  If you have bad credit or no credit, you still may be able to qualify for a payday loan at Cash 2 U.  You will need to have an active checking account, be 18 years of age or older, have proof of income and a valid phone number.

In order to qualify for a payday loan, you generally need to have an active checking or savings account.  You can visit a Cash 2 U payday loan center in Louisiana to find out if you qualify.  We may be able to help you set up your bank checking account.

You can begin your payday loan application online and then visit a convenient payday loan store in your neighborhood to complete the process.  You can get cash in hand when you go to any Cash 2 U location in Louisiana.  You will need an active checking account, valid social security number or government issued ID, proof of income and a working telephone number.

A payday loan is a quick and fast way to get the cash you need.  You visit a Cash 2 U location in Louisiana and complete the simple application.  After a five-minute approval, you will have cash in hand.  We will hold your check until the next payday when the loan and fees are due.  To pay off your loan, you visit one of our many Louisiana payday loan centers.

A payday loan is a type of short-term borrowing where a lender will loan you cash ahead of your next paycheck.  You will pay a fee for the service and your payment is due at your next payroll. A payday loan’s principal is typically a portion of a borrower’s next paycheck. Cash 2 U in Louisiana only does payday loans.  Sometimes people mistakenly refer to these loans as cash advance loans or check advance loans.

Cash 2 U payday loan can be up to $300 paid in cash at the time of borrowing.

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