Payday Loans & Cash Advance in Columbus, NE
1915 23rd Street
Columbus, NE 68601
Phone: (402) 731-5555
| Monday - Friday | 9:00 AM - 7:00 PM |
|---|---|
| Saturday | 9:00 AM - 4:00 PM |
| Sunday | Closed |
Approval not guaranteed. Requests are reviewed and lenders may verify your information.
Searching for payday loans Columbus families can rely on? Our counter at 1915 23rd Street is built for that purpose. Payday Express has been in business since 1997, and this Columbus location gives Nebraska customers a place to talk through short-term money needs with a team that explains each step before anything moves forward.
We also welcome people from Platte County, Schuyler, and David City. If you need a cash advance in Columbus to bridge a short gap, stop by during business hours and we will go through the terms with you before you decide anything. You can also start a short online request before you come in, so you know what to expect.
Services at 1915 23rd Street
Below are the services available at the 23rd Street counter, each with notes on what you should know before you walk in.
Payday Loans
Payday loans from this location are delayed deposit services under Nebraska licensing, and the APR on each loan cannot exceed 36%. Expect a review on every request, and understand that approval is not guaranteed in advance.
Cash Advance
A cash advance can help you cover an expense that lands between paychecks. Our staff will walk you through the repayment date, so you know exactly what is due and when. Ask whether the repayment plan fits your next paycheck before you agree.
Check Cashing
We cash payroll, personal, government, insurance, and tax refund checks here. Checks are not held for a set number of days, and our hours run later than a bank, so you can cash a check after the bank has closed.
Paycheck Advance
Paycheck and payroll advances let you draw on wages you have already earned. Bring your check stub along, and we will review the details with you before we discuss next steps.
Wire Transfers, Money Orders & Bill Pay
This counter also handles wire transfers, money orders, and bill pay. If you have several errands to finish, you can take care of them in one trip.
Get cash in 3 steps
- 1
Start a short secure online request, or come in to 1915 23rd Street during business hours.
- 2
The review includes lenders from our third-party network. They may verify the information you provide and check credit, but you can explore your options first without a hard credit check.
- 3
When you are approved, you leave with cash from our Columbus counter the same day.
What to bring
- Check Stub
- Bank Statement
- Valid ID
- Checking Account
- Valid Driver's License
- A Job
Questions about a specific check or document? Call (402) 731-5555 before you come in.
Why Columbus customers choose 23rd Street
The Columbus counter is built around one simple idea: explain each choice before you make it. Our hours, check cashing practices, and privacy approach are straightforward, so you can plan your visit without guesswork.
Staff members are happy to repeat any part of the process as many times as you need, and there is no rush to sign.
- Open 9 AM to 7 PM on weekdays.
- Open 9 AM to 4 PM on Saturday, closed on Sunday.
- Your checks are not held for a particular number of days.
- Your information is not shared without your knowledge and consent.
- Service with a smile from the people behind the counter.
- Clear explanations from start to finish, with no pressure to commit on the spot.
Nebraska delayed deposit loan rules in plain English
In Nebraska, payday loans are regulated as delayed deposit services, and the Nebraska Department of Banking and Finance issues the license that allows them. Voters approved Initiative 428 in November 2020. The measure sets a 36% APR cap, and any loan above that cap is void. Reading the official guidance before you sign can make the terms easier to follow.
You can review the state's guidance through the Nebraska Department of Banking and Finance website.
Serving Columbus and the surrounding communities
Our 23rd Street store serves Columbus first, and it also welcomes customers from Platte County, Schuyler, and David City. Drivers from those towns can plan a visit during the same weekday or Saturday hours that apply here. Visitors can combine a trip here with other errands in Columbus.
If you are closer to a different Payday Express or Advanced Cash location, the locations page lists each store with its address and hours so you can compare before you go. If you are coming from David City or Schuyler, check the route before you leave and plan your drive in advance.
Plan the total cost before you agree
Before signing, ask our staff for the total repayment amount and the exact due date. Borrow only what fits your budget after regular bills are paid, and plan to repay from your next paycheck. If money is tight, speak with your creditor first, since they may be able to adjust the timing. Compare the total with any other offers you have before you commit.
- Ask about a payment plan or a revised due date with your creditor.
- Ask a credit union whether it offers a small-dollar loan.
- Look for local assistance programs that help with utility and rent bills.
- Keep a written list of bills and due dates so you can see what is coming up.
- Write down the repayment amount you agree to before you leave the counter.
Columbus FAQ
Can I get a payday loan in Columbus today?
You can start a request today online or visit our 23rd Street store during business hours. Approval is not guaranteed, so be ready for a review before you count on the money. Staff are happy to explain each step before you commit.
Where can I get a cash advance near Columbus?
We are located at 1915 23rd Street in Columbus, and we serve Platte County, Schuyler, and David City too. Check the posted hours before you travel. Ask the staff about directions if you are coming from another town.
Do you do a hard credit check?
Starting an online request does not require a hard credit check to see your options. Lenders in our third-party network may still verify details and check credit when they review a request. Our team can explain each step in order.
Is approval guaranteed?
No. Each request gets a careful look, and no one can promise a yes until the review has finished. Treat the review as a step, not a final answer. Plan around both outcomes.
What do I need to bring?
Gather a check stub, a bank statement, a valid ID, the checking account you use, a driver's license that is still valid, and the details of your current job. Having these ready helps the visit go smoothly. Missing items may slow down the visit, so double-check the list before you leave home.
What are your hours?
Columbus hours are 9 AM to 7 PM Monday through Friday and 9 AM to 4 PM on Saturday. The store is closed on Sunday. Call the store to confirm hours before a special trip.
Other stores near Columbus
See all Payday Express, Advanced Cash and Express Pawn locations
Ready for a payday loan or cash advance in Columbus? Start a request online or call the store.
Payday loans are short-term loans regulated in Nebraska by the Nebraska Department of Banking and Finance. Approval is not guaranteed; amounts, fees and terms depend on eligibility and state law. Nebraska caps payday (delayed deposit) loans at 36% APR.