Welcome to PLCA the home of the best short-term loans online. If you need cash now no matter what time of day it is we can help. Our lenders are online 24 hours a day and once you are approved you can get your funds as soon as the next business day. Stop wasting time standing in line. All of our loans are done online with no faxing. This is really the best way to get an online payday loan and cash advance fast so you can get the cash you need to pay bills, have the car repaired and more.