Online Payday Loans & Check Cashing in Omaha: 2505 South 120th Street
Location, hours & contact
Address
2505 South 120th Street
Omaha, NE 68144
Phone
402-330-1321
Hours
| Monday | 9:00 AM – 7:00 PM |
|---|---|
| Tuesday | 9:00 AM – 7:00 PM |
| Wednesday | 9:00 AM – 7:00 PM |
| Thursday | 9:00 AM – 7:00 PM |
| Friday | 9:00 AM – 7:00 PM |
| Saturday | 9:00 AM – 4:00 PM |
| Sunday | Closed |
Typical hours from our records. Please call to confirm before you visit.
Before you visit: we are updating the details for this store. Please call 402-330-1321 or our main line 402-731-5555 to confirm hours and services before you come in. You can apply online at any time.
Apply online in a few minutes
You do not have to come in to the 120th Street store. Start your request online at any hour, from your phone or computer.
- Fill in the short form. It takes a few minutes and asks about the amount you need, your income and your bank account.
- See the terms first. If you get an offer, the amount, the fee, the APR and the due date are shown before you agree. There is no obligation.
- Get your money. If you accept, the lender explains how and when the funds are paid, often by direct deposit.
Approval is not guaranteed. The online form is run by a third-party lending network, not by our stores. Its lenders may offer other loan types, such as installment loans, with amounts, costs and terms that differ from our in-store payday loans and depend on your state and the lender.
Payday Express services on 120th Street, Omaha
You will find our store in West Omaha on South 120th Street. It serves West Omaha, Millard and the neighborhoods along I-680. Most of what we do can be started online, and the store is there when you would rather talk to someone in person.
Payday loans and cash advances. Need a small loan until payday? Nebraska caps payday loans at 36% APR, with checks of no more than $500 in total and terms of up to 34 days. Ask the store which loan options are available today. The full cost is always shown in writing before you sign.
Check cashing. Cash payroll, government and insurance checks and tax refund checks with a valid photo ID. You do not need a bank account, and the check cashing fee is posted at the counter before you agree.
Money transfers, money orders and bill pay. Send money across the country or abroad with MoneyGram or Western Union, buy money orders and prepaid debit cards, and pay utility, car and credit card bills in one stop.
Not sure what a loan would cost? See the full Nebraska rates and rules or apply online to get your own terms with no obligation.
What a payday loan costs in Nebraska
| Cash you receive | Most it can cost (14 days) | Check / you repay (14 days) | Most it can cost (34 days) | Check / you repay (34 days) |
|---|---|---|---|---|
| $100 | $1.38 | $101.38 | $3.35 | $103.35 |
| $200 | $2.76 | $202.76 | $6.71 | $206.71 |
| $300 | $4.14 | $304.14 | $10.06 | $310.06 |
| $400 | $5.52 | $405.52 | $13.41 | $413.41 |
How this is worked out: 36% a year on the cash you receive, for the number of days the loan is outstanding. For example, $400 for 34 days costs no more than $13.41. Your check, including the cost, can be no more than $500, so the most you can receive is about $493 for 14 days or about $483 for 34 days. Your exact cost and APR are shown in writing before you sign.
Source: Neb. Rev. Stat. §45-918 (36% APR cap, Initiative 428, 2020) and §45-919 ($500 and 34-day limits); licensing and complaints: Nebraska Department of Banking and Finance. Last reviewed November 5, 2026.
What to bring
- A valid government-issued photo ID
- A recent pay stub or other proof of income
- A recent bank statement and a personal check from your checking account (for a payday loan)
- For check cashing, just the check and your photo ID
Applying online? Have your ID, income details and bank account information ready.
Frequently asked questions
What are the hours at the 120th Street store?
Can I apply online instead of coming in?
How much can I borrow with a payday loan in Nebraska?
What do I need to cash a check here?
Do you check my credit?
Can I send money to another country from this store?
Nearby Payday Express locations
- 84th Street, La Vista4.9 mi awayCall before visiting
7926 South 84th Street
La Vista, NE 68128
402-339-2103 · Store details - 72nd Street, Omaha5.2 mi awayCall before visiting
2906 North 72nd Street
Omaha, NE 68134
402-926-2273 · Store details - 39th Street, Omaha6.9 mi awayCall before visiting
101 South 39th Street
Omaha, NE 68131
402-551-7100 · Store details
Ready when you are
Start online now, with no obligation. You decide only after you see the full cost.
- Free to apply
- Short online form
- Secure and private
- Terms shown before you sign
