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Payday Loans Offer Fast Cash When You Need It

Fast Cash Payday Loans vs Traditional Loans

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The Benefits of Payday Loans

Applying for Payday Loans Online

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Reasons Why You May Need a Payday Loan

Payday Loans and Your Credit

Tips for Getting and Repaying a Payday Loan

 

 

 

 

 

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Payday loans provide a much-needed service to millions of people. There are many times when short-term debts outrun the ability to pay. In times like this, a payday loan (a loan against a future paycheck) can provide the cash necessary to meet those needs.

Get Your Payday Loan Today With Trusted Payday! The advantages of payday loans are many. Often they don't require a credit check; so the loan, and your repayment, never show up on your credit history. The best payday loans offer amounts that can range from a few hundred dollars to $1,500 (and sometimes more). And you receive your loan very quickly; usually within 24 hours.

Drawbacks? Payday loans typically charge service fees that are greater than traditional loans. These service fees can range from $10 to $30 per $100 loaned, and sometimes even more. Many states have regulations stipulating the amount of service fees that can be charged. Obviously, the best payday loans are meant to address quick cash needs, and should not be used as a long-term solution.

Still, in order to meet short-term obligations, payday loans can provide a fast and easy solution. When evaluating different payday loans, there are certain factors you want to consider. Some of these include:

  • Loan Amount.  How much money do you need? A variety of loan amounts are offered by different lenders.
  • Service Fees.  Look for companies that state their fees up front or guarantee lowest fees.
  • Convenience.  Can your application be processed entirely online, or will you need to fax in documents? How quick will the money be deposited to you?

TopConsumerReviews.com has reviewed and ranked the best payday loans available today. We hope these reviews help you meet your short-term financial needs!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Payday Loan Reviews

5 stars
Trusted Payday

TRUSTED PAYDAY TopConsumerReviews.com Best-In-Class Blue Ribbon Award

Trusted Payday provides an easy, no-hassle application process with flexibility to receive your payday loan direct to your bank account within 24 hours. The website is upfront with the terms of each loan, depending on the size, your location, and the length of time. Read More... Visit
Site

4.5 stars
Cash Advance

CASH ADVANCE

With over 400 lenders in their network, Cash Advance has the largest pool of lenders competing for your business that we've seen. Combined with an easy-to-use website and over 15 years in business. Cash Advance is a strong choice for your next payday loan. Read More... Visit
Site

4 stars
ACE Cash Express

ACE CASH EXPRESS

ACE Cash Express is the largest owner and operator of check cashing stores in the United States. With a very good payday loan website, they bring their reliable history of payday loans to the internet. We just wish they offered online payday loans to more states. Read More... Visit
Site

3.5 stars
Cash Net USA

CASH NET USA

Cash Net USA is a payday loan lender with over 90% approval rating from their customers. With an easy application process, you can receive your money in as little as 24 hours. And since they don't perform a traditional credit check, you won't have a payday loan show up in your credit history.
Read More... Visit
Site

3 stars
Helping Hand Advances

HELPING HAND ADVANCES

Helping Hand Advances is a decent option for your next payday loan - especially for a new customer. With a no-hassle loan application process, no credit check, and a flexible payback period, Helping Hand Advances makes it easy to help meet the needs of individuals needing short term cash assistance. Read More... Visit
Site

2.5 stars
Cash Central

CASH CENTRAL

Cash Central is a good upstanding lender, not just a payday loan broker. Their downfall is that they are only licensed in the western half of the U.S., and can only loan up to $500 cash. Read More... Visit
Site

2 stars
My Payday Loan

MY PAYDAY LOAN

With a no-fax, no-credit check loan application process, My Payday Loan offers an easy way to get an advance on your next paycheck. While their website may not be as professional as others in our review, it does offer helpful information to those in need of a short-term loan. Read More... Visit
Site

1 star
Large Cash Loans

LARGE CASH LOANS

This cash advance website offers lots of financial resources and general money related information, but is marginal when it comes to providing the best payday loans. You can borrow up to $1,500, but they don't post fee information on their website. Read More... Visit
Site

What to Look For in a Payday Loan

When searching for any type of loan, including payday loans, there are a number of factors to consider. Although fast cash payday loans are different in some respects, they are very much like any other loan in that convenience, cost and quick replies are essential. With that in mind, this article is designed to give you an accurate and detailed look at some of the factors to look for when choosing where to submit your application for payday loans.

  • Convenience. Can you apply online? If so, how long will the application process take? With the internet being so popular, many lenders now allow for fast and easy online applications, which also means quicker approvals. Due to the fact that payday loans focus less on credit history and more on your current ability to repay the debt, there is often no credit check. This means a faster response may be possible, especially if your employment and income and easily verifiable.
  • Response Time. While considering payday loans, you should look at the average length of time for an approval and an estimate on how long it will be before you receive the cash advance. Payday loans are often referred to as a cash advance because, quite simply, they are a cash advance with your next paycheck being used as collateral.
  • Loan Fees. Every lender is different, but one thing remains virtually universal when it comes to payday loans. Almost every lender will impose a fee that is based on the amount of money that you borrow. In addition to the full amount of the loan being repaid, the fee must also be paid before the loan will be satisfied. It is crucial that you know exactly how much these fees are prior to applying for payday loans.
  • Loan Amount. Most payday loans are issued for an amount up to and including $1,500.00, but some may only lend up to $500.00. Available loan options, including the maximum loan amount, may differ from one lender to another. Prior to requesting payday loans, you should think about how much money you actually need and then look for a lender who can help you.
  • Reputation. One of the most important things that a company can have is its reputation, which is why it is important to research a payday lender as thoroughly as possible. It may be a good idea to research company both with the Better Business Bureau (BBB) and through reviews produced by independent, third-party reviews.

Payday loans offer quick cash for those who need it and, best of all, they are available almost immediately. These types of loans help those who may be faced with life's unexpected events, expenses or are just running short on cash and need a helping hand until the next paycheck rolls in. Whatever the reason, payday loans provide a valuable service and it's important to know what to look for and how to choose the right lender for you.

 

 

 

Better Business Bureau Top Ten Scams of 2014
Better Business Bureau hears from thousands of consumers and business owners every year about a variety of scams and frauds. Here are the top ten from 2014.
Publication Date: January 28, 2015

Howard University Spotlights the Economic Impact of Payday Lending in Southern States
The Howard University Center on Race and Wealth releases new report.
Publication Date: January 22, 2015

Christian Financial Services Fights Against Predatory Lenders
CFS forms new non-profit with the Community Loan Center of the Rio Grande to fight against predatory lenders.
Publication Date: January 20, 2015

Affiliate Network T3leads Launches Business Loan Lead Vertical
T3leads Unveils the Industrys Most Cutting Edge Business Loan Customer Acquisition System, its Business Loan Leads Vertical, which Delivers Clients in Real Time
Publication Date: December 19, 2014

BBB Warns of the Pitfalls of Payday Loans
Short on cash for the holidays? Think twice before considering a payday loan.
Publication Date: December 19, 2014

CreditLabs Announces Promotion on ID Theft Protection Plan
CreditLabs is currently featuring the special promotion price of $27.99 per month for its most inclusive (credit and non-credit related) product, ID Theft Protection.
Publication Date: November 27, 2014

CreditLabs Launches Credit Report and Monitoring Tools, Plus More
CreditLabs officially launches its credit (and non-credit) related reporting and monitoring tools. CreditLabs provides users with an innovative, easy and effective way to track, monitor and potentially improve their credit scores.
Publication Date: November 20, 2014

Are Real-Time Payments Here, Around the Corner, or Coming in the Next Five Years?It Depends Who You Ask
Mercator Advisory Group research considers opportunities for service vendors and financial institutions in real-time payments in the United States.
Publication Date: November 18, 2014

Savings Accounts Top List of Financial Products Americans Are Most Thankful for
Despite historically low yields, Americans say they are more thankful for savings accounts than they are for stocks, credit cards, payday loans and other popular financial products, according to a new study from MoneyRates.com.
Publication Date: November 18, 2014

National Debt Relief Talks About Bankruptcy And Student Loans
National Debt Relief recently discussed in an article published November 9, 2014 how bankruptcy and student loans work. The article talks about how the student loan amount got so big and how bankruptcy deals with the problem.
Publication Date: November 17, 2014

Debt Advice Company Reports Majority Of Its Debt Cases Caused By Roll-Over Loans
Simple Financial Solutions releases new figures that reveal major growth of Scottish personal debt due to roll-over loans
Publication Date: November 12, 2014

Debt Consolidation USA Differentiates Good Debts From Bad Debts
Debt Consolidation USA recently shared in an article published October 28, 2014 how consumers need to be able to tell the difference between good debts and bad debts. The article gives consumers some pointers to help them separate that two types of debt.
Publication Date: October 29, 2014

Alibaba in Real Time is the Subject of New Infographic Released by Buddy Loans
The Interactive Infographic Looks at the Success of the Chinese e-Commerce Company
Publication Date: October 29, 2014

Ridings Law Firm Unveils Comprehensive Plan and eBook to Help Bankruptcy Clients Get Their Lives Back on Track
Personal bankruptcy law firm wants to give clients the chance to earn a credit score of at least 700 within 12 months after filing for bankruptcy; the firm's plan is outlined in a downloadable eBook, which is available on their website at no cost
Publication Date: October 09, 2014

Las Vegas Bankruptcy Lawyers at Aaron & Paternoster Comment On Report About Payday Loan Companies
Nevada bankruptcy attorneys Aaron & Paternoster warn about dangers of payday loans with triple-digit interest rates.
Publication Date: October 07, 2014

 

 

 

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