Payday Loans & Cash Advance in Downtown Omaha
514 North 16th Street
Omaha, NE 68107
Phone: (402) 344-2825
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.
Our 16th Street store puts Payday Express in the heart of downtown Omaha, where we have been serving local customers since 1997. Stop in during a lunch break to cash a check, or start a request from your desk and finish the visit on your way back. Downtown schedules rarely leave room for long waits, so we aim to keep each visit efficient without rushing the questions that matter to you.
Plenty of downtown workers look for payday loans downtown Omaha when a paycheck is still days away. Others come in for a cash advance in Omaha to cover a quick expense or a bill with a tight deadline. Our staff explains each option in plain language, so you can decide with confidence and know what comes next.
Services at 514 North 16th Street
These are the services our 16th Street team offers, from same-day check cashing to short-term loans and money transfers.
Payday Loans
Nebraska payday loans carry a 36% APR cap under Initiative 428. Approval is not guaranteed, and each request is reviewed carefully before any funds are offered.
Cash Advance
Use a cash advance to cover a brief gap before your next paycheck. Ask our team how repayment works and what the due date will be before you agree to the advance.
Check Cashing
Downtown, we handle payroll, personal, government, insurance, and tax refund checks. We do not hold your check for days, and when your bank is closed we can still cash it for you.
Paycheck Advance
A paycheck advance gives you access to part of your earnings early. Bring your most recent pay stub so the team can review your details and explain how the advance would be repaid.
Wire Transfers, Money Orders & Bill Pay
Wire transfers, money orders, and bill payments are all handled at our counter. Ask about the cost of each service before you complete it, and keep the receipt.
Get cash in 3 steps
- 1
Step 1: Start a short secure request from your phone or computer, or walk in at the 16th Street counter during open hours.
- 2
Step 2: Our team reviews what you submitted. There is no hard credit check to see your options, but lenders may still verify information and check credit as part of their review.
- 3
Step 3: When approved, you can collect your cash in store the same day, and our staff will confirm the repayment date with you.
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) 344-2825 before you come in.
Why downtown Omaha customers choose Payday Express
Our 16th Street store is built for busy schedules. Downtown workers can stop in on a lunch break, and our weekday hours run later than many banks, so an evening visit is possible too.
We know a short break can disappear quickly. That is why our team keeps the paperwork focused and gives you a clear picture of what happens at each step, from the first question to the moment you walk out with your cash or your check.
- Monday to Friday until 7 PM, and Saturday until 4 PM
- Check cashing when your bank has already closed for the day
- Your checks are not held for a set number of days
- Staff who treat every customer with respect and a smile
- Your information is not shared without your knowledge and consent
Nebraska payday loan rules in plain English
Nebraska regulates payday loans as delayed deposit services, and the Nebraska Department of Banking and Finance is the licensing agency. Learn more directly from the regulator at ndbf.nebraska.gov.
Initiative 428 passed in November 2020, and it set a 36% APR cap on delayed deposit loans in Nebraska. Loans charged above that cap are void, so check the rate on any offer before you accept it.
Because the loan is repaid on a set date, read the repayment schedule closely. If a term is unclear, ask our team to explain it before you sign.
Serving downtown Omaha and nearby neighborhoods
Our 16th Street store serves Downtown Omaha, North Downtown, which locals call NoDo, and the Old Market. If you live or work in one of these neighborhoods, you can plan a visit around your day, whether that means a quick stop before a meeting or a longer conversation after work.
People searching for a cash advance near the Old Market usually want a clear answer quickly. Start a short request online to see your options, then stop in to finish any paperwork with our team.
Residents of North Downtown can use the same counter for check cashing, money orders, and bill pay, so you can take care of several errands in one stop. Many downtown customers pick a time that fits between meetings, and our team keeps each visit organized so you can get back to work. If you are not sure which service you need, describe your situation at the counter and our staff will suggest the simplest option that fits.
What it costs and smarter alternatives
Before you borrow, request the full repayment amount and the due date. Only borrow what you can comfortably repay from your next paycheck, and mark the due date on your calendar as soon as you sign.
It also helps to think ahead about what happens if your pay arrives later than expected. Ask our staff how the timing works so you are not caught off guard, and keep a copy of your agreement somewhere easy to find.
- Ask your current creditor whether a payment plan is available
- Compare offers from a local credit union that offers small-dollar loans
- Contact community organizations for help with emergency needs
Downtown Omaha FAQ
Can I get a payday loan downtown today?
You can begin a request online or walk in at the 16th Street counter during open hours. Approval is not guaranteed, because each request is reviewed before a decision. Bring your documents so the review can move along.
Where is a cash advance near Old Market?
Our 16th Street store serves downtown Omaha, North Downtown, and the Old Market with cash advances and check cashing. Call (402) 344-2825 to ask about today's options. Our staff can explain repayment before you decide.
Do you do a hard credit check?
There is no hard credit check to see your options. Lenders may still verify details and check credit as part of their own review, and we will tell you what to expect.
Is approval guaranteed?
No. We review every request, and we cannot promise approval before that review is finished. If the answer is no, we can talk through the choices that remain.
What do I need to bring?
Plan to bring a check stub, a bank statement, a valid ID such as your driver's license, your checking account details, and information about your job. Having these ready makes the visit quicker.
What are your hours?
Our weekday hours run from 9 AM to 7 PM, and Saturday hours run from 9 AM to 4 PM. Sunday we are closed. Call (402) 344-2825 to confirm hours for the day you plan to visit.
Other stores near Downtown Omaha
See all Payday Express, Advanced Cash and Express Pawn locations
Ready for a payday loan or cash advance in Downtown 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.