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      July 23, 2019

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Payday Loan Today vs Cash Net USA

Best Payday Loan Companies

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

To see ALL of our reviews for the Best Payday Loans, please Click Here

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.

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.

Continue reading below reviews

Best Reviews

2019

Payday Loan Reviews

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 payday loan service on the web, turning around loan applications in 24 to 48 hours to get customers the cash they need as soon as possible. Their online application is a simple one page form with minimum input of information required for the customer. Once an applicant submits the online application, it is processed in real time and potentially pre-approved within minutes. If a payday loan request is submitted by 3pm Pacific / 6pm Eastern it will be 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 a deterrent for anyone seeking a more substantial payday loan. In order to qualify for a $500 loan a customer must have 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 stringent qualification list than some of the other payday loan services we have reviewed. While this may be a discouraging to some people, it also indicates that Payday Loan Today has a responsible lending policy.

Something else we like about Payday Loan Today is that they are a direct lender, which means they do not write loans off to some other lender once approved. Customers deal with this company directly and can make use of 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 saying that it does not support all mobile devices, and some of the text is awkwardly spaced. However it was simple enough to complete once getting past the odd appearance.

Overall Payday Loan Today is an average choice among the many payday loan providers in the market today.

Visit Site

2 stars
Cash Net USA

CASH NET USA Visit Site

Loan:

From $100 to $1,000

Cost:

APR of 299%

Cash Net USA started in 2004 and was later acquired by pay day loan powerhouse, Cash America. Cash Net USA provides loans in 30 States and loan types vary between payday loans and lines of credit depending on state requirements. The loan sizes typically run between $100 and $1,000 but may be larger for lines of credit.

The benefit of dealing with Cash Net USA is that applications received before until 9pm EST are funded the next business day. So for those in a serious cash crunch, Cash Net USA may help. Another benefit is that this company does not run a credit check from the three major reporting bureaus to determine eligibility. They do ask that an applicant be at least 18 years of age, have been employed for at least 1 month, be a U.S. citizen or permanent resident, and have an open checking account.

The process of applying for a payday loan from Cash Net USA is quick and easy. To start, customers must input contact details, employment information and bank account numbers. Approval occurs instantly at Cash Net USA. They anticipate that you'll pay your loan back at your next paycheck date, or longer depending on the type of loan issued.

Cash Net USA states they are a member of both the Better Business Bureau and CFSA member (a payday advance organization). However, in our research we found that they currently have an F rating with the BBB. In 2015 they also received an order from the Commissioner of Business Oversight of the State of California, forfeiting all charges due to violations with the California Financial Code.

Although Cash Net USA provides an easy way for you to apply for a payday loan, questions remain about their business practices. We hope they're able to make the necessary changes to become a more highly rated payday loan provider in the future.

Visit Site

Continued from above

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!

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