You can apply for a Social Security payday loan through ACE Cash Express, Cash Central, Cash In A Snap, Faxlessloans24.com, Speedy Cash, and SSI Cash Advance. All of these businesses have online applications. Amounts and terms will vary, but loan periods are typically 10 to 14 days. We have all the details on Supplemental Security Income (SSI) payday loans and where to get them.

What Is a Social Security Payday Loan?

Many people rely on Social Security benefits as their primary source of income, and they may, at times, find themselves in need of cash between benefit checks. Payday loans are short-term, high-interest loans that are expected to be repaid with the borrower’s next paycheck; loan terms are typically 10 to 14 days. Payday loans can be extended, but this comes with even more interest and fees and can result in a cycle of “rollovers” — keeping you in debt. We suggest you treat payday loans with caution and only use them in emergencies. Personal or installment loans will most certainly have better terms, so you might want to look into those first.

Where to Get SSI Payday Loans

Not all businesses that offer payday loans will accept applicants that rely on Supplemental Security Income (SSI) benefits, but the following six lenders do. Keep in mind, payday loan regulations vary by state, so certain terms and requirements will depend on your state of residence.

1. ACE Cash Express

2. Cash Central

  • Payday loan amount: Loan amounts vary by state; you can look up the terms in your state using Cash Central’s interactive map.
  • Requirements:
    • Must be at least 18
    • Must provide a Social Security number
    • Must show proof of Social Security income
    • Must have a valid U.S. checking account in your name
    • Must provide two current and valid phone numbers
  • How to apply: Apply for a payday loan using Cash Central’s online loan application.
  • Source: Cash Central; customer service representative

3. Cash In A Snap

Cash In A Snap is an online payday loan referral service.

4. Faxlessloans24.com

Faxlessloans24.com will submit your application to a network of lenders.

  • Payday loan amount: $100 to $1,500
  • Requirements:
    • Must be at least 18
    • Must have a valid checking or savings account
    • Must have a fixed income, including Social Security income
  • How to apply: Apply for a payday loan using Faxlessloans24.com’s online loan application. Lenders from Faxlessloans24.com’s network will reach out to you with specific terms.
  • Source: Faxlessloans24.com

5. Speedy Cash

  • Payday loan amount: Varies by state; typically $100 to $1,000
  • Requirements:
    • Must be at least 18
    • Must have an active checking account
    • Must provide proof of income, including Social Security income
    • Must provide valid contact information
  • How to apply: Apply for a payday loan using Speedy Cash’s online loan application or visit your nearest Speedy Cash.
  • Source: Speedy Cash; customer service representative

6. SSI Cash Advance

SSI Cash Advance is an online loan connection service.

  • Payday loan amount: Typically$100 to $1,000; first-time borrowers may be limited to $300 to $500
  • Requirements:
    • Must be a U.S. citizen or legal resident
    • Must be at least 18
    • Must have a minimum income of $800 a month
    • Must provide proof of Social Security income
    • Must have an active U.S. checking or savings account
  • How to Apply: Apply for a payday loan using SSI Cash Advance’s online loan application. SSI Cash Advance will send your application to more than 100 partnered lenders.
  • Source: SSI Cash Advance

In Summary

Payday loans for SSI recipients are out there. A Social Security payday loan is a fast-cash option for emergencies. Lenders that will work with you if you rely on Supplemental Security Income (SSI) benefits include ACE Cash Express, Cash Central, Cash In A Snap, Faxlessloans24.com, Speedy Cash, and SSI Cash Advance. Most payday loans come with very high interest rates, so if you’re considering a Social Security payday loan, be cautious and make sure to pay the amount back quickly to avoid extra charges.

You may also want to read our article, Can You Get Payday Loans with SSI Debit Card? Requirements Listed

For more information on payday loans, see our articles: Places Like Speedy Cash and Payday Loan Places Open on Sunday.