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Shopping with PayCheck Direct is no longer available.

You can still access your account to see your orders, make a payment, and manage your account information.

Payments and Fees

Your total purchase (the cost of the item or items plus any shipping charges and sales tax) is split into equal payments over 12 months. If you are paying weekly you will have 52 payments, if you are paying bi-weekly you will have 26 payments and if you are paying monthly you will have 12 payments. For example: an order totaling $2,000 (including shipping and tax) paid bi-weekly will be $76.92 per payment ($2,000/26). It's as simple as that!

Yes, we accept checks, money orders and credit or debit cards to pay off your total balance. You can contact our Customer Service Center to make a payment. Checks or money orders may be mailed to: PayCheck Direct 6250 Ridgewood Rd., St. Cloud, MN 56303.

You can also make a payment online here.

Checks or money orders may be mailed to:

PayCheck Direct
6250 Ridgewood Rd.
St. Cloud, MN 56303

Returns and Exchanges

We want you to be happy. We will exchange your product or give you a refund for most items you return in new condition within 90 days after you bought it. For defective items or an item you received that was damaged, we pay the return shipping. Just call us for a return postage paid label.

If you have any problems with a product, please check the manufacturer's warranty.

Computers, camcorders, digital cameras, electronic game systems, tablets, e-readers, air conditioners, heaters, and generators must be returned within 30 days. Products sold in sets must be returned as a set; we will not accept partial sets. Music, movies, video games and software have to be returned unopened (factory sealed). Exchanges are for exact same item only.

Remember, PayCheck Direct never charges re-stocking fees!

Yes! If you are missing parts, please contact our Customer Service Center and we will be happy to help.

No. If you decide to return an item from your order, your total balance will decrease, but your payment will stay the same. However, you will pay off the remaining balance sooner.

Online/Website Services

Click on "sign in" at the top of any page on the PayCheck Direct website and follow the easy sign-in directions. To sign out, just click the "sign out" link on the top of any page. In order to sign in again, you will need your PayCheck Direct Username and Password.

If you forget your Username or Password click the link called "Forgot Password" and follow the instructions. If you still have trouble, please contact our Customer Service Center for help.

To change your Username or Password, sign in to the My Account area using your current PayCheck Direct username and password. Once logged in, click on the Change Email Address or Change Password link on the My Account page. Then, you can update or change your PayCheck Direct information.


Many of our products are covered by a warranty from the manufacturer. These warranties last for different periods of time, depending on the product. If your item has a manufacturer's warranty, the warranty information will come with your product, along with contact information for the manufacturer.

Security and Privacy

Your privacy is very important to us and we work hard to protect it! We follow the rules set by the Direct Marketing Association's Privacy Promise to American Consumers. It is very simple. We will not share or sell your information to other marketers or companies if you ask us not to. If you ask us not to, we will not mail, call or email you marketing or advertising materials.

Click here to read our Terms and Conditions

Click here
to read our Privacy Policy

Military Lending Act

The Military Lending Act (MLA) provides credit account protections for service members placed on active duty and certain members of their family. The active duty service members and their families who are eligible for MLA protection are referred to as "covered borrowers."

View more MLA FAQs

Product Recalls

Information about product recalls and safety information can be found right here. Find your way back here by clicking on the customer service link on the top of any page on the website.

Contact Us

Our mailing address is:

PayCheck Direct
6250 Ridgewood Road
St. Cloud, MN 56303

The PayCheck Direct Customer Service Center is available at 1-866-441-9160 Monday - Friday, 8:00 a.m. - 5:00 p.m. CT.
Email us by using the Contact Us form online

Find manufacturer contact information here