At Payday Loans of America, we are here to provide you with a personal payday loan for your short term cash needs. Our process is as quick and easy as we can possibly make it. A payday loan specialist is available, toll free, to assist you in filling out our online application. Applying for an online cash advance loan with Payday Loans of America is simple! Complete our easy, secure online application, receive instant approval and the funds are deposited in your bank account the next business day. All you need is direct deposit and a gross monthly income of at least $1,200.00. In just a few minutes, you can be approved for a cash advance of up to $1,000.00.