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Payday Loans Offer Fast Cash When You Need It

Fast Cash Payday Loans vs Traditional Loans

Payday Loans FAQ

The Benefits of Payday Loans

Applying for Payday Loans Online

How to Find Lenders Specializing in Payday Loans

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 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
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 $1,500, 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.

 

 

 

Rules are coming on payday loans
WASHINGTON -- Troubled by consumer complaints and loopholes in state laws, federal regulators are putting together the first rules on payday loans aimed at helping cash-strapped borrowers avoid falling into a cycle of high-rate debt.
Publication Date: Tue, 10 Feb 2015 09:08:09 -0800

Credit Union Loan Growth at Nine-Year High
Loan growth at federally insured credit unions in 2014 climbed to the highest level since 2005, the National Credit Union Administration reported today.
Publication Date: March 02, 2015

Rules are coming on payday loans to shield borrowers
WASHINGTON (AP) Troubled by consumer complaints and loopholes in state laws, federal regulators are putting together the first rules on payday loans aimed at helping cash-strapped borrowers avoid falling into a cycle of high-rate debt.
Publication Date: Mon, 02 Feb 2015 00:44:18 -0800

Debt Advisory Services (Scotland) Ltd Issue Warning over Guarantor Loans Following Changes Imposed by FCA
Glasgow-based Debt Advisory Services (Scotland) Ltd warns that guarantor loans may represent a new kind of debt trap for unwary consumers following recent changes imposed by the FCA.
Publication Date: March 03, 2015

Regulators prepare rules on payday loans
Troubled by consumer complaints and loopholes in state laws, federal regulators are putting together the first-ever rules on payday loans aimed at helping cash-strapped borrowers avoid falling into a cycle of high-rate debt. The Consumer Financial Protection Bureau says state laws governing the $46 billion payday lending industry often fall short, and that fuller disclosures of the interest and ...
Publication Date: Mon, 02 Feb 2015 16:01:10 -0800

GovBeat: Many states have cracked down on payday loans. Heres how lenders still get away with it.
The Consumer Finance Protection Bureau wants to better regulate payday lending. It can start with some of these loopholes.
Publication Date: Mon, 09 Feb 2015 14:08:22 -0800

Dangers of applying for an online payday loan
Considering an online payday loan? Don't. These sites often scatter your personal information to the Internet wind, opening you up to, at best, bad deals, and at worst, relentless fraudsters
Publication Date: Tue, 17 Feb 2015 05:00:00 -0800

Payday Loans Face Online Shake-Up - Regulator
New (KOSDAQ: 160550.KQ - news) rules for payday loan firms have been published which could boost price competition and help borrowers shop around. In its final report on the controversial industry after a 20-month investigation, the Competition and Markets Authority (CMA) said it was ordering online companies to publish details of their products onat least one price comparison website (PCW ...
Publication Date: Tue, 24 Feb 2015 02:26:18 -0800

Payday Lenders Escaped Regulation, but Now They Face the Church
On one mile of the Atlanta Highway in Montgomery, Ala., more than a dozen stores offer payday loans or cash on a car title, or they let you pawn a ring. To cluster like that for the purpose of ripping off the poor, its against every kind of moral instruction that we have, said Webster, 62, pastor at Birminghams First Presbyterian Church. In a confrontation that clergy cast as God vs. greed ...
Publication Date: Thu, 19 Feb 2015 07:01:00 -0800

Spotlight on payday loans needs to widen to other forms of high cost credit
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Publication Date: Tue, 24 Feb 2015 01:46:26 -0800

Why its nearly impossible for you to sue your credit card company
The Consumer Financial Protection Bureau is taking a closer look at mandatory arbitration clauses, which large financial firms often stick in the fine print for credit cards, payday loans and other consumer products.
Publication Date: Tue, 03 Mar 2015 04:01:46 -0800

Regulators prepare rules on payday loans to shield borrowers
WASHINGTON Troubled by consumer complaints and loopholes in state laws, federal regulators are putting together the first-ever rules on payday loans aimed at helping cash-strapped borrowers avoid falling into a cycle of high-rate debt.
Publication Date: Sun, 01 Feb 2015 21:13:56 -0800

 

 

 

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