How to Get a Payday Loan With SSI

Sometimes circumstances arise which require money beyond what we budget for weekly. This can put a tight financial strain on individuals with fixed incomes. But if you're receiving Supplemental Security Income (SSI), receiving assistance can be even more of a hassle. Fortunately, there are places where you can still get some help despite your fixed and fluid income. Some payday loan centers distribute assistance even to individuals already receiving SSI.

Step 1

Find a payday loan company willing to distribute cash advances to individuals with SSI. These may be physical locations or internet businesses.

Step 2

Fill out an application, either online or in person. You will be required to give your Social Security Number for a credit check and a total of your annual income and outstanding debts.

Step 3

Complete the interview process, if one is required.

Step 4

Provide proof of your SSI income. This, along with your credit score and other information, will be plugged into a formula to determine the amount of assistance for which you qualify. Typically, the maximum amount you can receive is what you will receive from your next paycheck.

Step 5

Look over the company's loan rates and make sure you will be able to cover the payments when they begin.

Step 6

Accept your loan and receive your cash. Most payday loan centers process and distribute loans on the same day the application is received.


Do not take on a debt you are not confident you can pay. Many individuals run into financial trouble by accepting payday loans and discovering they cannot pay it off without another loan. Such cycles are the type that predatory lending depends upon.

Things You'll Need

  • Proof of income

  • Government-issued ID