Payday Loans, Cash Advance & Pawn in Downtown Lincoln
1921 O Street
Lincoln, NE 68508
Phone: (402) 477-5692
Email: [email protected]
| Monday - Saturday | 9:00 AM - 7:00 PM |
|---|---|
| Sunday | Closed |
Approval not guaranteed. Requests are reviewed and lenders may verify your information.
Advanced Cash at 1921 O Street is a check cashing and short-term loan store in downtown Lincoln, Nebraska. Express Pawn also operates at this address, so you can ask about a payday loan, a cash advance, or a pawn loan during the same visit. Payday Express, the family of stores Advanced Cash belongs to, has been in business since 1997, and our Lincoln team brings that experience to every conversation.
If you are looking for payday loans downtown Lincoln residents rely on for a short-term need, you can start today. Submit a quick online request through our secure form, or walk in during business hours and our staff will explain each option in plain language. If you need a cash advance in Lincoln, or you are searching for a pawn shop Lincoln NE, you can settle both questions at this counter.
Services at 1921 O Street
Here is what this downtown Lincoln location offers, from payday loans and cash advances to check cashing, money services, pawn loans, and gold buying.
Payday Loans
Payday loans at this office are delayed deposit services licensed in Nebraska, and under Initiative 428, approved by voters in November 2020, they are capped at 36% APR. Approval is not guaranteed, so we review every request before a decision is made.
Cash Advance
A cash advance can help cover a short gap between paychecks. Ask our team for the full cost before you agree to anything, so the numbers are clear from the start.
Check Cashing
We cash payroll, personal, government, insurance, and tax refund checks. We do not hold your check for a set number of days, and we can cash a check when your bank is closed.
Paycheck Advance
A paycheck advance lets you borrow against your next paycheck and repay it when that check arrives. Bring your most recent check stub so we can review your situation with you.
Wire Transfers, Money Orders & Bill Pay
Wire transfers, money orders, and bill pay are available here too, so you can take care of several errands in one stop.
Pawn Loans
Express Pawn offers pawn loans at this address. You leave an item as collateral, receive cash, and repay the loan to take the item back. We also make loans with checks as collateral, and if a pawned item is not repaid, it is forfeited.
Cash for Gold
Bring in gold jewelry and coins for a cash offer based on fair market prices. We keep an appropriate hold time on pawned goods, so you can buy an item back if you change your mind.
Get cash in 3 steps
- 1
Step 1: Start a short online request through our secure form, or walk in to Advanced Cash at 1921 O Street during business hours.
- 2
Step 2: We review your request. There is no hard credit check to see your options, and checking them will not affect your score, although lenders in our network may verify information and check credit.
- 3
Step 3: If your request is approved, pick up your cash in the store 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) 477-5692 before you come in.
Why downtown Lincoln customers choose Advanced Cash
Advanced Cash keeps its doors open later than a bank, so you can stop in after work without rearranging your whole day. We do not hold your checks for a particular number of days, which means your money is not tied up while you wait on us. Our staff treats every visitor with a smile and takes time to answer questions.
Our goal is simple: you should understand the full plan before you sign anything. Whether you came in for a payday loan, a check to cash, or a question about pawn loans, we will slow down and make sure each step is clear.
- Open Monday through Saturday, 9 AM to 7 PM
- Check cashing when your bank is closed
- Clear explanations before you commit to anything
- Your information stays private and is not shared without your knowledge and consent
Nebraska payday loan rules in plain English
In Nebraska, payday loans are delayed deposit services licensed by the Nebraska Department of Banking and Finance. Since voters approved Initiative 428 in November 2020, these loans have been capped at 36% APR, and any loan above that cap is void. If you have questions about licensing or your rights as a borrower, the regulator can help.
You can read more at the Nebraska Department of Banking and Finance website.
Serving downtown Lincoln and nearby neighborhoods
Our 1921 O Street office is a convenient stop for customers from Downtown Lincoln, Haymarket, the University of Nebraska-Lincoln area, and Near South. If you are coming from one of those neighborhoods on your lunch break or after class, you can start a request online first and finish the rest in person. Call the store before you drive over to confirm today's hours.
What it costs and smarter alternatives
Before you sign, ask our team for the total cost of the loan and the date it is due. Borrow only what you can repay on your next payday, and make sure that date fits the rest of your bills. If a short-term loan does not fit your budget, these options may help.
- Ask a creditor about a payment plan or a new due date
- Look into a small-dollar loan from a credit union
- Check with local assistance programs that help with everyday expenses
Taking a few minutes to compare your options before you visit can help you avoid borrowing more than you need. Write down your next paycheck date, your bill due dates, and the amount you need, then bring that list with you so we can talk through it together.
Downtown Lincoln FAQ
Can I get a payday loan in downtown Lincoln today?
You can start a short online request today or walk in to our 1921 O Street office during business hours. Approval is not guaranteed, and every request is reviewed before we make a decision.
Where can I get a cash advance near downtown Lincoln?
Advanced Cash at 1921 O Street offers cash advances for customers from Downtown Lincoln, Haymarket, and the UNL area. Call (402) 477-5692 to confirm today's hours before you visit. Ask us which items you can bring for a pawn loan, too.
Do you do a hard credit check?
Starting a request online does not involve a hard credit check to see your options, and checking your options won't affect your score. Lenders in our network may still verify information and check credit as part of the review.
Is approval guaranteed?
No. Every request is reviewed, and approval is not guaranteed. We will tell you clearly what happens next.
What do I need to bring?
Bring a check stub, a recent bank statement, a valid ID, your checking account information, your valid driver's license, and details about your job. Having all of these ready can speed up the visit.
How does a pawn loan work at this location?
You leave an item as collateral and receive a loan. To get the item back, you repay the loan, and if you do not repay, the item is forfeited.
Other stores near Downtown Lincoln
See all Payday Express, Advanced Cash and Express Pawn locations
Ready for a payday loan or cash advance in Downtown Lincoln? 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.