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      August 18, 2019

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Trusted Payday

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Trusted Payday vs Payday Loan Today

Best Cash Advance Companies

To help you find the Best Cash Advances, TopConsumerReviews.com provides you with an in-depth comparison of Trusted Payday and Payday Loan Today.

To see ALL of our reviews for the Best Cash Advances, please Click Here

Cash advances 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 cash advance (a loan against a future paycheck) can provide the cash necessary to meet those needs.

The advantages of cash advances are many. Often they don't require a credit check from the major three credit bureaus. The best cash advances 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.

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Best Reviews

2019

Cash Advance Reviews

5 stars
Trusted Payday

TRUSTED PAYDAY Visit Site

Loan:

$250 - $1,000 for first time customers

Cost:

Varies based on your state and the length of the loan

TopConsumerReviews.com Best-In-Class Blue Ribbon Award Trusted Payday's website is easy to use and works with over 70 different lenders to assist you with your short-term borrowing needs. Through Trusted Payday, you can receive up to $1,000 and they don't require any faxing during the cash advance application process.

The cash advance application process is simple and quick. In less than 3 minutes you can answer questions such as your name, social security number, employer information, and pay cycle. Your cash advance application is usually approved within 30 minutes. Repayment terms are specific to the lender who approves you, but are typically between 14 and 31 days. Your cash advance can be deposited into your checking account within 24 hours, and sometimes even within one hour.

Trusted Payday accepts cash advance applications 24 hours a day, 7 days a week. This is very convenient for people who apply for a cash advance outside of normal business hours. Keep in mind that in order to provide instant approvals, Trusted Payday communicates with lenders in their network when you apply for your cash advance - and some of these lenders may only be open from 8am - 5pm. To maximize your chance for approval, we suggest that you apply during those hours. If you apply outside of these hours and for some reason your cash advance application is rejected, then just reapply again between 8am and 5pm, when more of their lenders are available. There's absolutely no cost to you in applying again.

Trusted Payday has a convenient How It Works section, which describes the process of obtaining and paying back your cash advance. They also provide a Frequently Asked Questions page with answers to over 20 questions regarding the cash advance process.

If you're in need of cash, Trusted Payday provides a no-hassle application process with flexibility on how fast you may require your loan. We liked their direct relationships with over 70 top-quality lenders, which gives you the benefit of getting a cash advance at rates that are favorable to you. Trusted Payday is a solid cash advance company and earns high marks in our review.

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3 stars
Payday Loan Today

PAYDAY LOAN TODAY Visit Site

Loan:

$500

Cost:

$17.50 per $100 loaned

Payday Loan Today strives to provide customers with the fastest online cash advance service on the web, turning around applications in as little as 24 to 48 hours. Their online application is a simple one-page form with a minimum amount of input from the customer. Once the online application is submitted, it's processed and potentially pre-approved within minutes. If a cash advance request is submitted by 3pm Pacific / 6pm Eastern it is typically processed the same day and, once approved, funds will post to the account the next business day.

Payday Loan Today focuses on loans of $500, which may be discouraging for anyone seeking a larger cash advance. In order to qualify for a $500 loan a customer must show the following:

  • A monthly net income of at least $1,000
  • No more than two payday loans currently out with other lenders
  • No delinquent payday loans with other lenders
  • Must be actively employed
  • Must have payroll direct deposit going to your checking account (no savings accounts or pre-paid debit cards)

This is a more strict qualification list than some of the other cash advance services we've reviewed. While this will undoubtedly disqualify some people, it indicates that Payday Loan Today has a responsible lending policy.

Another feature we liked about Payday Loan Today is that they are a direct lender, which means they don't send loans off to some other lender once approved. Customers deal directly with this company and can utilize their live customer service Monday through Thursday, 8:30am - 4pm Pacific Time (11:30am 7pm Eastern Time), and Fridays 10am - 3:30pm Pacific Time (1pm 3:30pm Eastern Time). The toll free number is clearly displayed on the main page of the Payday Loan Today website.

The online application itself seems a little clunky. There is a notice on the application that says that it doesn't support all mobile devices, and some of the text is spaced awkwardly. However it was simple enough to complete the application once getting past the odd appearance.

People who are in the market for a cash advance should find Payday Loan Today an acceptable provider.

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Continued from above

Drawbacks? Cash advances 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 cash advances 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, cash advances can provide a fast and easy solution. When evaluating different cash advances, 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 cash advances available today. We hope these reviews help you meet your short-term financial needs!

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