When it comes to giving your personal information online, you want to make sure that you are dealing with a reputable company. Since there are so many payday loan websites out there, how would you decipher from one site from another when it comes to safe guarding your personal information? This is why we have compiled a list of companies that are listed with the BBB, so you have someone on your side should a problem occur.

You will find below a list of payday loan companies we recommend to use when looking for online payday loan lenders. These payday loan online direct lenders only provide short-term cash advances and provide excellent customer service:

PayDay One - Fill out an application with Payday One

Loan: The maximum amount varies from $500 to as high as $1,000, depending on the state.
Fees: Interest rates vary per state, with some offering $22.50 per $100 borrowed.

The online application is simple, and can be filled out and submitted at any time. The site is guaranteed secure, and their user interface is easy to navigate. Once your loan application has been submitted, you can expect the decision within a matter of minutes. As soon as you accept the offer, it is guaranteed that the loan would be credited on the next business day, given that the loan was made before 5 PM. They also offer the Great Rate Guarantee feature which states that if you find a lower price with a similar online payday loan lender, they will match that rate. Another great thing about this company is that they offer one of the lowest rates among similar online loan lenders.

The downside is that though they provide information on how to get in touch with them, they do not offer live chat service. Nevertheless, PayDay One presents a satisfactory overall process, and remains somewhat less costly than other payday loan services.

CashNetUSA - Fill out an application with CashNetUSA

Loan: The amount that an applicant can take out is restricted to $500 in some states, but can go up to as high as $1,500 in other states. This is also determined by the borrower’s income.
Fees: Costs depend on the state. May range from $20 for every $100 borrowed, to $25 for borrowed amounts of $250 to $300 plus 30% APR.

Their application form is easy to understand and fill out, and the website is organized. They also provide lots of information about the company on their site, ranging from various articles to full disclosure of fees. The online service also appears to utilize encryption methods that sufficiently safeguard personal information transferred over the web.

Unlike many other payday loan lenders, CashNetUsa provides many ways in which loan applicants can contact them, and post a list of states where they are licensed to operate. Not only do they have a FAQ page, but they also offer telephone, live chat, and email support.

Cash Central – Fill out an application with Cash Central

Loan: Depending on the state, a prospective applicant can loan up to $500. Fees: Loan fees vary by state, but the average is $15-$20 per $100 borrowed.

The online site is not only secure, but user-friendly and very informative, with a number of articles that range from detailing how the loan can be processed, to useful information communicated via the FAQ page. Their application process is simple, and operates 24/7. They also provide various means of contacting them through live chat with a customer representative, email, or telephone support. They also have a “refer a friend” program, wherein an existing customer can receive $20 if they can successfully refer a new customer to Cash Central.

Cash Central offers a satisfactory payday loan program with competitive fee rates; however, the downfall is that they do not offer their services in more states, and their loan limit is not exactly that high to begin with.

These are the best online payday loan lenders and they provide loans in the following states:   * Alabama * Alaska * Arizona * Arkansas * California * Colorado * Delaware * Florida * Hawaii * Idaho * Illinois * Indiana * Iowa * Kansas * Kentucky * Louisiana * Michigan * Minnesota * Mississippi * Missouri * Montana * Nebraska * Nevada * New Hampshire * New Mexico * North Dakota * Ohio * Oklahoma * Oregon * Rhode Island * South Carolina * South Dakota * Tennessee * Texas * Utah * Virginia * Virgin Islands * Washington * Wisconsin * Wyoming

It is the middle of the week, and you need money fast.  The problem is that you do not have any extra funds to cover for that unpredicted expense.  More than often so many of us will experience this problem.  It so happens, that the only solution that most would resort to a payday loan.  Payday advances are the debt instruments that are generally quite helpful to have.  They are short term and will last as long as 45 days.  A typical loan will not be paid in amortization, but rather they must be paid in full upon the maturity date of the loan.  Otherwise, a borrower has the option to extend it if he is not able to meet the payments.

There are many lenders who are both available in both online and retail stores.  Technically, there are three basic elements and requirements that are needed for a person to be approved for the loan.  Payday lenders require the borrower to have a stable job for at least six months, he or she, has to be of legal age and that the debtor has to have a bank account.  In the normal application of the loan, the borrower will usually issue a check as a way to show collateral to the loan.  Hence, in the past, it was required that your bank account should be a checking account.

However, nowadays, a savings account would often suffice for a borrower to be approved on the loan.  Generally, the acceptance for the savings account payday loans is because of the new presence of better methods to apply and pay for the loans.  As stated above, in the traditional setting, the mode of payment for the loans will be in the form of check issuances.   With the creation of the online Internet lending, the borrowers are now given a newer method to pay for the loan.

This method is known as the electronic method of payment.  This would mean that the payday loan lenders will be given that authority to debit from the savings account of the debtor the amounts due for payment.  Technically, the account number will be already provided as the funds will also be released to this bank account.  Hence, the lenders will ease the process further by offering the option to debit directly the payments.  This will save the borrower both the time and effort in trying to remember the payment for the loan since it will be deducted automatically.

The new service of offering you payday loans through the savings account will give the borrower the same benefits.  As this is an online process, you will have the convenience and comfort to apply for the loan in your home.  It can easily be applied for any time of the day and anywhere as long as the computer is connected to the Internet. This would also be a fast process as many would have the opportunity to get their money in just a few minutes.  Plus, with direct deposit features, you do not have to go to the bank at all to process the payment or to get the funds.