PayDayOne.com is a pay day loan website. They have a quick application process and then the money is deposited directly into your checking account. Pretty nice.
Thanks for the shirt!
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About the author...
Jeremy Schoemaker – who has written 2415 posts on ShoeMoney.com.
Hi I am Jeremy Schoemaker and ShoeMoney.com is my blog. 99% of the post here are done by me but you will see others occasionally make guest posts. This blog is fun to write but for my day job I run several online companies.
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Should I sell my website? 
How A $1295 Gambling Debt Turned Me Into An Online Marketer 
Are Your Products F’n Nasty (NSFW) 
{ 109 comments… read them below or add one }
this is your best picture yet J… better than the $152K check lol
Why is your left hand bent
?
Pickin at a wedgie
lol, i like your expressions
May be for photoshoot
Hahah that’s a great face, real fierce!
Have to admit that this face beats the sombre ones from a couplwe of months ago!
this is another tool developed to keep working people working. save your money
I have to agree, “pay day” loans attract those who have a low grasp on their finances. It’s truly one of those money lending operations that makes a profit from those in a regrettable position. It further cascades them into a whirlpool of debt in exchange for short, temporary relief from their financial woes.
I actively avoid promoting PPC campaigns that provide pay day loans for this very reason. Its’ a explicitly negative monetisation of the poor, un-educated masses ;(
Or people who are in a tough spot… you think banks lend to people who actually need money? I’m not a pay day loan or check cashing joint apologist but there’s a business reason they exist and that’s to fill a market need. You think $5 ringtones aren’t a rip either?
Or fake weight loss solutions…
Or “free trials” that bill you $50 a month…
Or credit cards with 1% starting and 40% next month…
Yea, the fact of the matter is that shady companies pay more than legitimate companies.
The morality of moneylending makes a mockery of good human values
The shirt looks good but I’m not sure about the website.
Shoe must be using the service because it looks like he only has $1 bills in that money clip.
Good point, I think he puts a $1 bill on the outside so he doesn’t look rich, meanwhile the rest are 100′s.
lol… he must not have done well in Vegas.
That definitely ain’t the case! He’s holding very little paper because he is hoarding gold!
Is it better than the $132K check???
I don’t think anything is better than that!
A $133k check is.
Not sure about the website, but the t-shirt looks cool
It should say “.com” somewhere on the design…
Yes it should.
I think .com is a safe assumption. Now if it were .net or .org then it should DEFINITELY say so.
Yea, I think it`s much better for branding when they just have their name there without the dot com as it`s a pretty safe guess.
I agree if it said .com it would be easier for people to know what it is
unless it has their URL on the back……
Great Photo of you, one of the best!
Money always make me smile!
2009 thats gonna be the expression on all the catwalks.
Are you drunk Jeremy? Cuz you sticking your tongue out again.
Great photo of you Shoe.
he looks mean in this pic with his best mma face on
It is always nice to get freebies..
Nice Photo, not too fond of Pay Day Loans though. Or the T-Shirt for that matter.
The shirt remindms me of my little league t-ball jersey!!!!
Nice shirt and good pic.
hahaha… with the faces u have been making lately you should change it to ‘happy hour friday’
ha ha .. you are right there…
Jeremy you ROCK !!
I’m going to visit that website. Nice Shirt.
That’s a great picture of you and the t shirt looks good
Awesome shirt and nice face!
It just sucks how bad pay-day loans really are, they fuck people over huge.
You don’t look that bad
I never heard of this site,will surely visit it now.BTW you don’t look that bad
What’s with the belly shirt under the payday shirt?
lolz
wtf
????
Never heard of this website,going to visit it now.BTW you didn’t look that bad
coderbari said on October 3rd, 2008 at 1:20 pm
I never heard of this site,will surely visit it now.BTW you don’t look that bad
–
Didn`t you already post that buddy?
Did you get that money with this free friday shirt?
No, I think only t-shirt
I hate those pay day advance places. What makes you think you’re gonna be able to pay off what you borrowed with your next paycheck whenever this one didn’t pay off what bills and debt you already had racked up?
Once you do it once, if you’re not very careful, you can get stuck in an infinite loop, and end up going bankrupt.
I applied for a $700B Payday Loan (for my friends at the Capital), but I’m not sure if I’ll get it.
I’m sure if you promise the right politicians a big enough cut you’ll be approved.
Congratulations, your loan has been approved!
Ha ha, hopefully it will be approved?
nice facial expression haha
Nice… We have a proposition to vote on in AZ that puts some tighter restrictions on pay day loans. I wonder how much it’ll affect these guys. I need to get a shirt out to you. Expect that soon.
someone looks constipated
It’s all about the pay day loans!!
Rare to see new web services that are tied to “real life” instead of being purely online.
Good point! As online advertising is really cheap compared to traditional media it stands to figure that we’ll be seeing more and more of this….
I bet payday loan companies are killing it right now… probably a nice space to be in given…
No… Why bother with the hassle when you can push them as an affiliate
Yup, and payday affiliates are obv too
The image is a success even better -))
Yea these sites are just a bit shady to me. They offer to the people who obviously need the money but probably have ridiculously high interest rates. The shirt is nothing special but your facial expression is priceless!
Pay Day One this is amazing buiness because so many people when to have dome cash for xmas.
By the way the Picture is cool
I love payday – cool shirt brothah.
You look like a baby.
Party like a rockstar !!
you sure do enjoy these t-shirt fridays!
I just got my Shoemoney T-Shirt today, I love t-shirt fridays too!
I think the shirt with the nice red sleeves and the white in the middle. Too bad Pay Day loans are so evil though.
Oops…Think is supposed to be “like”.
My bad.
Anyone else find the branding for the service also slightly confusing?
The logo states “Pay Day One One” at a quick glance. I think if they placed their focal site address below the logo, it may have helped prevent typos and confusion.
I bet a lot of people try “payday1.com”, “payday1one.com”, “paydayone1.com”, “payday11.com” and other similar variants when trying to access the site.
You bring up a good point. When you look back it does seem like it could confuse someone. Maybe the 1 should have been hovering above the text?
Did the bills come with the shirt?
Looks nice …Do you wear only one day ? or will u re use that?
Most get worn long enough to snap a picture. The ones he likes, he keeps.
I’d scream too if my money clip were full of 1′s.
I think next week’s t-shirt is going to be his best ever!
Great picture!
How many cupboards do you have to fit all these shirts?
This is a great shirt. I think one of the best in the collection.
Check out the APR rates for PD1: 456%!
Talk about a financial meltdown….
Where did you get this rate?
That’s pretty outrageous, even for a pay day loan I think.
Awesome facial expression!
Yeah it is, and he’s holding that money like it were a beer mug. Hehehe!
How long is the queue for T-Shirt Friday nowadays?
Do you choose in the order you receive them? OR do you just choose which one you like?
pay day loans are horrible. i remember reading about an older man that took out a pay day loan for a few hundred dollars and wound up paying thousands over 10 years or more and wound up homeless.
the pay day loan company had taken control of his paychecks and was actually paying HIM a small amount each month out of his disability check and keeping the rest to pay back the ‘loan’… ouch.
Nice picture (Y)
These companies are teh cause of the credit crisis
I wouldn’t say that these companies are the cause of the credit crisis, that would be the fault of the mortgage loan industry. but the pay day loan guys are built on the same premise.
1. Give a person money that they can’t afford to pay back.
2. Take everything they have.
these guys are much worse than what we think of as predatory lenders, they totally take advantage of the poor and stupid and leave them in a bind costing hundreds to thousands of dollars!
The shirt is cool. I like how the 1 stands out. They really wanted to emphasize that, huh?
You are very cool there.
Great idea for a blog post! I’m going to look in to sending you a shirt. Thanks!
Wow, sounds like a great service. So do they offer term loans or slary advances? Ok cool, don’t worry about it I’ll just check out their site. Great T-shirt
Yay! 800% interest, grab your ankles… dooby dooby dooo
I like the expressions you make in your Free Shirt Friday posts Jeremy! LOL. Do you actually wear these shirts out in public or throw them out after you’re done with your pictures?
Nice photo of you,
let me guess, you took it in front of the mirror
i like the bucks in your hands
i like your a shirt..good luck friend….uhuiiiiiiiiiiiiiiiiiiiiiiiiii….
nice face expression
So how much you have borrowed from them. This one is nice colour combination … Red and white.
I think now you should try different face expression.
So obviously payday loans aren’t for everyone, but there is definitely a segment of the population out there for whom this fulfills a specific need. You have to remember that these companies assume a lot of risk by lending to these folks who typically no one else will lend to.
Looking at a short term loan in terms of APR, really doesn’t make much sense because the balance typically is paid of in much less than a year, but if you must, look at the other options if you find yourself in a bind and can’t pay a doctors bill, need to repair your car or something else.
* If you have a 14-day, $100 no fax payday loan with a $15 loan fee — you pay 391% APR
* If you have a $100 bounced check with $54 NSF/merchant fees to be repaid in 14 days — you pay 1,409% APR
* If you have a $100 credit card balance with a $37 late fee to be repaid in 14 days — you pay 965% APR
* If you have a $100 utility bill with $46 late/reconnect fees to be repaid in 14 days — you pay 1,203% APR