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So, I contacted another number and they requested that I fax over my information to them. Emails are quickly returned, generally within a few hours or less, but the phone number does not allow callers to contact an actual representative. The biggest selling points for National Payday's services are that they are fast. Scam alert- I am receiving threating phone calls from the incomplete of their real number is These illegal companies are in business only to scam clients in need for cash. Then I contacted the three credit bureaus and placed fraud alerts on all accounts.

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Jul 17,  · Consumer complaints and reviews about National Payday Loan in Arizona. Fraud-Scam. Loans1/5. Where a bank loan or an installment loan have set rates and due dates, revolving debt features variable rates, and no fixed end date. Like a credit card, the interest and fees for a payday loan can keep on growing indefinitely. National Payday is one of the few online payday lenders that actually make it easy for you to get the cash you need when you need it most. With no fax requirements or collateral needed, almost everyone is approved. New customers can receive between $ and $ for their first paycheck loan.


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I was contacted via phone by an individual giving me the name Patrick Jones. They seemed to know that I had been shopping for loans but I had actually only applied at Wells Fargo online.

They kicked me around to several managers all with central asian accents think India although I hate to categorize. We went through the details, gathering my information, running credit; he even gave me his managers name 'David' and phone number.

Sounded great but I wanted to do a bit more research. This was last Friday Oct 31, On Tuesday I finally hear back from them only this is another guy, Jason Austin, with the same accent.

He says that Patrick is not there but he would take over giving me a different 'manager' named Keith, same accent. Keith hands me off to 'James' same accent who is the finance manger and ready to approve my loan but first I had to talk to the FTC to be "verified". Sure enough about a half hour later this guy 'Jason' same accent who said he was from the FTC and wanted to verify my identity.

A few basic questions and I'm good to go. By now the alarm bells are going off but James calls me saying he ready to transfer the problem but because of my past credit I had to pay for insurance. Ok no problem but oh yes there was a problem, I had to wire Cash to the "insurance company" via Western Union. Oh and by the way I hadn't filled out one piece of paper or eform, another red flag. I also go back to the National Cash Credit website and they clearly state that it is illegal to require up front money and that all their business is conducted via Internet.

While this option may sound convenient to borrowers who need more time to pay back their loans, the finance charges will be added on for each payment, and borrowers will end up repaying much more than the original loan amount. National Payday's customer service department provides a phone number, fax number, and online email form for contacting them.

Emails are quickly returned, generally within a few hours or less, but the phone number does not allow callers to contact an actual representative.

Their repayment term lengths vary depending on the borrower's next payday and range from 5 days to 16 days. Their application is quick and pre-approval can be instantly received. National Payday also offers same-day funding through wire transfers and flexible repayment amounts. However, their flat-rate finance charge is higher than the rates charged by even other payday loan companies and their annual interest rates range from Though their customer service department answers emails fairly quickly, the phone number listed on the website does not allow callers to reach an actual customer service representative.

With an extremely high APR Range, it is very difficult to recommend this company. Though you can be approved quickly, you will be locked in with high interest rates. Be sure to research multiple payday loan companies to get the best rate for your needs.

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Claim this Profile BestCompany. Are you a representative of this company? The Bad High interest rates Short terms Customer service The biggest drawback to National Payday's service is the exceptionally high interest rates.