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      July 29, 2016
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Payday Loans
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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 from the major three credit bureaus. The best payday loans offer amounts that can range from a few hundred dollars to $1,000. And you receive your loan very quickly; sometimes as soon as tomorrow.

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.
  • Best Payday Loan Companies
  • 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 for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.

2016

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 as soon as tomorrow. 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 Corner

CASH CORNER

Cash Corner is a payday loan broker that matches applicants with lenders. Customers can not anticipate standard policies and rules, as they are dependent on which lender accepts the loan. Cash Corner may be a good option for those that have not had luck at other payday loan websites.
Read More... Visit
Site

3 stars
Payday Loan Today

PAYDAY LOAN TODAY

Payday Loan Today is a direct lender that specializes in providing payday loans of $500.00. Their website makes the loan qualification process easy to understand. Applicants can complete a payday loan request online, and approval can come in as little as a few minutes. If you're looking for more than $500 to cover short term costs, however, you'll need to look elsewhere. 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
Cash Net USA

CASH NET USA

Cash Net USA provides payday loans and lines of credit for customers in 30 States. We liked the quick approval and payment turnaround with this provider but were concerned with their low BBB rating and citations from the state of California.
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 $1,000, 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.

 

 

 

Class action clamps down on high-interest payday loans

A Wollongong "payday" lender has agreed to stop handing out the high-interest, short-term loans, after a successful class action joined by more than 8000 Illawarra customers. The case, lodged by Legal Aid NSW against the operators of five Cash AFX ...

Published:  Tue, 26 Jul 2016 13:40:00 GMT



Editorial: More restrictions needed on payday loans

Payday lending is big business in Florida, where nearly 8 million short-term, high-interest loans were processed last year. It's not that low-income Floridians are eager to pay annual interest rates in the triple digits; they often have no other option.

Published:  Tue, 26 Jul 2016 16:40:00 GMT



Google stops promoting payday loans

Payday loan detractors say they trap consumers into a high-cost cycle of debt. Payday loan companies and other supporters say they provide a valuable service to consumers who have nowhere else to turn in a time of financial stress. The term on a payday ...

Published:  Fri, 22 Jul 2016 14:06:00 GMT



Puerto Rico's Payday Loans: The Shocking Story Behind Wall Street's Role in Debt Crisis

director of the ReFund America Project and a fellow at the Roosevelt Institute. He is co-author of the new report, "Puerto Rico's Payday Loans." Puerto Rican attorney, politician and independence movement leader. He is a former member of the Puerto Rican ...

Published:  Fri, 15 Jul 2016 01:00:00 GMT



Sipps beat payday loans to top Fos upheld complaints list

Complaints about self-invested personal pensions had the highest uphold rate of any product looked at by the Financial Ombudsman Service in the first quarter of this year. Figures released by Fos showed there were 427 enquiries about Sipps between April ...

Published:  Tue, 26 Jul 2016 04:03:00 GMT



Google AdWords Payday Loans Ban Now Goes Into Effect?

In may we reported Google AdWords is banning payday loans and other high interest and risky loans from advertising on AdWords. But July 13, 2016, the date it would go live, came and past and we still saw plenty of payday loan ads showing up. Google told ...

Published:  Mon, 25 Jul 2016 05:48:00 GMT



 

 

 

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