Instant Payday Loans
Quick and Easy Approvals
Fast approvals • Secure process • Trusted locally
Easy and Quick Payday Loans
At TOMPKINS FINANCE, LLC, we combine flexibility and advanced algorithms to offer repayment plans that truly work for you. Borrow $100–$5,000, with 1–3 installments, always at the same low rate.
Apply Now!Flexible Amounts
Borrow from $100 to $5,000 with repayment plans tailored to your needs.
Credit Friendly
Your credit score won't hold you back. We evaluate your full financial picture.
Low Rates
Competitive rates that often beat major credit cards. Affordable and transparent.
Questions & Answers
Will my rates be higher with installments?
Repay in 1, 2, or 3 installments. Your interest rate stays the same, no matter your choice.
My state isn’t listed on your site?
As a licensed direct lender, we comply with all state and federal regulations.
Can I get help applying?
We provide tools and guidance to ensure you have the information you need. Visit our FAQ page.
What term can I get?
Loan terms range from 7–62 days. Your chosen term does not affect your interest rate.
Why is my interest different from other states?
States have their own regulations on interest rates. We comply fully with all laws.
Your Trusted Loan Path
Flexible Loans
Tailor loan amounts, durations, and repayment options to suit your personal needs.
Fair Evaluation
We assess your entire financial situation, not just your credit score, for responsible lending.
Safe & Secure
Licensed under federal & state regulations, your funds and data are fully protected.
Instant Approval
Apply online and get approved within minutes, with funds available instantly.
Transparent & Ethical
Clear terms and ethical practices ensure a smooth, trustworthy borrowing experience.
Are You Eligible?
Meeting these simple requirements could get you the funds you need quickly and securely
Minimum Income
You must have a regular income of at least $1,000 per month from employment or verifiable sources.
Legal Age & ID
You must be of legal age with a valid government-issued photo ID from your state.
Active Bank Account
You need an active checking account that receives regular income deposits for at least 30 days.
Contact Information
Valid phone number and email address for verification and communication purposes.
We Do Things Differently
TOMPKINS FINANCE, LLC provides quick, safe short-term loans when financial uncertainty strikes. We help Americans get back on track with transparent, accessible funding.
Bad Credit? No Problem
We focus on your ability to repay, not past credit history. Bad credit isn't a deal breaker.
Zero Paperwork
No faxing, scanning, or documents. Our streamlined digital process does the work for you.
Minutes, Not Days
24/7 automated pre-approval. Get answers instantly, anytime, anywhere.
100% Transparent
No hidden fees. Clear terms, honest costs, and all the tools you need to decide.
Bad Credit? No Problem
We focus on your ability to repay, not past credit history. Bad credit isn't a deal breaker.
Zero Paperwork
No faxing, scanning, or documents. Our streamlined digital process does the work for you.
Minutes, Not Days
24/7 automated pre-approval. Get answers instantly, anytime, anywhere.
100% Transparent
No hidden fees. Clear terms, honest costs, and all the tools you need to decide.
Bad Credit? No Problem
We focus on your ability to repay, not past credit history. Bad credit isn't a deal breaker.
Zero Paperwork
No faxing, scanning, or documents. Our streamlined digital process does the work for you.
Minutes, Not Days
24/7 automated pre-approval. Get answers instantly, anytime, anywhere.
100% Transparent
No hidden fees. Clear terms, honest costs, and all the tools you need to decide.