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
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{ 23 comments… read them below or add one }
A member of the BBB is about as meaningful as a member of the Chamber of Commerce–if you can pay the membership fee every year, you’re in. If a formal complaint is lodged against you, you’re out. No homework, no due diligence, no background check, nothing until that complaint is lodged.
Fantastic thing,credit inside putting reading this attention! “This is exactly clearly one wonderful situation. Deserve for any priceless tips and also insights you have so provided here. Keep it up!”
You may be correct on being a member is paid for and they don’t background check however they keep a log of complaints I have used it many times just to make sure of a company that old saying sounds to good to be true most likely is. Did on on a payday advance 34 complaints and it list the complaints so it may not be the best system but it stopped me from making a mistake more than once.
There are no actual payday lenders available, I have fill out hundreds of applications and not been approved for even one. This is a scam!! These should not be allowed to use the internet.
Hi Marcy,
I am sorry that you’re not having such trouble acquiring a payday loan. Unfortunately, even with the flexible guidelines with payday loans, they still do have requirements. I wish you luck.
Hi, I was looking for a payday loans online direct lenders and I checked out the recommended bad creidt payday loan lenders you suggested and I ended up going with Speedy Cash. I have fully paid back in the loan in two months time and I greatly thank you for your sound advice.
Thanks so much!
Not a problem Mark. I am glad that we could help!
I can’t get one direct payday loan lender online to approve me for a $500, or even a $200 loan no matter how hard I try. I guess I am listed on the teletrack system.. I have defaulted before, but now I have a steady job.
Cash Central does work, I’ve been using them for the past few months.
I got my cash advance! Now, I am going to take my fast cash and go to pay my electrical, so the lights don’t get turned off. Thank you so much for the great information!!
Just make sure you pay your cash advance back on time and you shouldn’t run into any problems.
Good information! If you plan to take out a payday loan, it always helps to do your research and find a reputable lender that will offer you the lowest rate you can find. Never take out more than you need, as the interest rates on these types of loans are high and you will need to pay it back as soon as your next paycheck.
I agree with Marcy, I have applied for hundreds of these payday advances. I earn a substantial amount each month and only need one on this occasion due to an unexpected household bill, yet I can not get approved for 1 single payday loan, its a scam. I just get referred from one site to the next.
I tried Think Cash (Now Plain Green)… They sent me a notice saying they neede d more info IE:
Copy of ID, SS Card, Proof of Income, etc. So I pulled my credit reports (which thier website states they do check by the way). All of the info that I gave them was on my credit header.. This made me suspicious about sending actual copies of that kind of documentation, which can be verified in many other ways… So I went to cashnet usa, approved 15 minutes later… So much for Plain Green AKA Think Cash.
was having trouble getting approved by any payday was directed to speedy cash 5 minutes approved showed me there license went over the fees great company send you a email every time payments due will use them again highly recommend them i even gave out my debit card info to them honest
It’s NOT a scam MARCY. I have actually received loans from two of the sources here.
PAYDAY ONE & CASH NET USA. About 15% per hundred dollars interest.
Thank you for this valuable resource. I filled out an application with Cash Net USA and was approved within minutes. It has been a lifesaver and now I am able to purchase a new tire for my automobile!
Has anyone ever heard of Peppercash, mass street group, or Advance me today? They charge RIDICULOUS fees as automatic withdrawals from checking accounts and I want to know if they are legal or not. Any advice would be much appreciated!
Hi Mikaela,
I haven’t heard of Peppercash, but just to make sure you’re safe when giving your financial information online.. I would suggest using on of the payday lenders that we have listed above.
I would like to know how I can get a payday loan I wrk I also have direct deposit my #561-662-0738 I need $300. thanks
Hi Sandra, please select from one of the following payday loan lenders listed above. These have been tested and are considered safe.
I’ve tried to all of the lenders listed aboved, but keep getting declined because I live in Georgia. Do you know any lenders that have offices in GA?
Hi Brianna,
Unfortunately, payday loans are illegal in GA.