Generally cash advance loans are provided at a higher rate than normal loans. Having said that, your best bet is to shop around and find the lowest cash advance payday loan APR that you can find. This may take some work on your end.

There's no such thing as a low interest payday loan, they're all exhorbitant for the length of the loan.

The Commonwealth of Virginia offers "payday" loans to state employees in an effort to help them avoid the exorbitant rates charged by pay-day lenders, which average 400% nationally. The government program allows for repayment over a six-month period and charges 24.99%. Some employers have similar programs.

Unfortunately, many who use the "services" of pay day lenders are marginally employed and do not have access to such programs.

Thank you for your question.