Payday Loans & Cash Advance in West Omaha
2505 South 120th Street
Omaha, NE 68144
Phone: (402) 330-1321
Email: [email protected]
| 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.
Payday Express has been in business since 1997, and our West Omaha store at 2505 South 120th Street is a convenient place to get answers and cash in one visit. Searching for payday loans West Omaha families can rely on? This counter is built for people who want a clear explanation before they commit, whether they are covering a bill that arrived early or waiting on a paycheck that is still a few days away.
Customers from Millard, Boys Town, and Ralston often stop in on their way home from work. If you need a cash advance Omaha residents can use for a short-term expense, ask our team how the repayment schedule works. You can start a short secure request online first, or walk in during business hours with your documents ready. Either way, you will know what happens next before you leave.
Services at 2505 South 120th Street
Every service listed below is available at our 120th Street counter, and our staff will explain how each one works before you agree to anything.
Payday Loans
Payday loans at this location are delayed deposit services licensed in Nebraska, and the APR on every loan is capped at 36%. Approval is not guaranteed, because each request is reviewed before any funds are released.
Cash Advance
A cash advance can help when an expense lands before your next check. Ask a staff member to walk you through the repayment date and the full amount due, so there are no surprises on payday. Writing the repayment date on your calendar helps too.
Check Cashing
We cash payroll, personal, government, insurance, and tax refund checks at this counter. We do not hold your checks for a particular number of days, so you can walk out with cash on the same visit.
Paycheck Advance
A paycheck or payroll advance gives you access to money you have already earned. Bring your most recent check stub so our team can review the details with you during your visit. Staff can walk you through what the review involves.
Wire Transfers, Money Orders & Bill Pay
Wire transfers, money orders, and bill pay are handled here too. You can take care of several errands in one stop instead of driving to three different places.
Get cash in 3 steps
- 1
Begin with a short secure online request, or walk in to our 120th Street store during business hours.
- 2
Your request goes to review. Seeing your options does not require a hard credit check, though lenders in our third-party network may verify information and check credit before they decide.
- 3
If you are approved, the cash is ready for you at the counter that 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) 330-1321 before you come in.
Why West Omaha customers choose Payday Express
Since 1997, Payday Express has offered check cashing and short-term money to people across the Omaha area. Our West Omaha location gives you a counter where staff explain each option in plain language, and the hours fit around a workday.
Plenty of people visit during a lunch break or on the way home, so the schedule is designed to be practical rather than complicated. Stop in when it suits you, and take the time you need to ask questions before you decide.
- Open 9 AM to 7 PM Monday through Friday.
- Open 9 AM to 4 PM on Saturday, closed on Sunday.
- The doors open later than a bank, so you can stop by after work.
- Checks are cashed without a hold for a set number of days.
- Your information is never shared without your knowledge and consent.
- Service with a smile from a team that takes the time to answer your questions.
Nebraska payday loan rules in plain English
In Nebraska, payday loans are delayed deposit services, and each provider must hold a license from the Nebraska Department of Banking and Finance. Initiative 428 was approved by voters in November 2020. Since that vote, delayed deposit loans in Nebraska carry a cap of 36% APR, and any loan that goes above the cap is void. Checking the regulator's guidance before you sign any agreement is a smart habit.
You can read the state rules and find more information on the Nebraska Department of Banking and Finance website.
Serving West Omaha and nearby neighborhoods
Our 120th Street store serves West Omaha, Millard, Boys Town, and Ralston. Whether you are coming from Ralston after a shift or from Millard on a lunch break, the counter is easy to plan around.
If you live in another part of the metro, our locations page can help you find the nearest Payday Express or Advanced Cash store. Planning around posted hours makes any visit easier.
What it costs and smarter alternatives
Before you sign anything, ask our team for the total you will repay and the exact due date. Borrowing works best when you can pay the full amount from your next paycheck and still cover your regular bills. Write the repayment amount on paper before you leave, so you can check it against your budget at home.
- Talk with your creditor about a payment plan or a later due date.
- Ask a credit union whether it offers a small-dollar loan with a clear repayment schedule.
- Contact local assistance programs that help families with rent, utilities, and other essentials.
- Make a simple list of your bills and due dates so you can see where the gap is.
West Omaha FAQ
Can I get a payday loan in West Omaha today?
You can start a request today online or walk in to our 120th Street store during business hours. Staff can explain the next step while you wait.
Where can I get a cash advance near 120th Street?
Our store is at 2505 South 120th Street in West Omaha, and it serves Millard, Boys Town, and Ralston. If another store is closer, our locations page can help.
Do you do a hard credit check?
There is no hard credit check to see your options. Lenders in our third-party network may still verify your information and check credit once a request is submitted and under review, so ask our team what to expect.
Is approval guaranteed?
No. Every request is reviewed on its own details, and we cannot promise approval before that review is complete. It is smart to compare your options before you decide.
What do I need to bring?
Bring a check stub, a recent bank statement, a valid ID, your checking account information, a valid driver's license, and details about your job. Having everything ready at the counter helps the visit go faster.
What are your hours?
We are open 9 AM to 7 PM Monday through Friday and 9 AM to 4 PM on Saturday. We are closed on Sunday, so plan your visit around those times and bring your documents along.
Other stores near West Omaha
See all Payday Express, Advanced Cash and Express Pawn locations
Ready for a payday loan or cash advance in West Omaha? 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.