To find a legitimate reliable lender offering quick Payday cash advance it’s always recommended to read the customer reviews, compare the companies’ rates and terms and make up your mind only after you are sure to get the best service.

Loans for ANY  NEEDS
APR from 4.99%

Table of Contents:

Best Payday Loan lenders review

What criteria should I use choosing a suitable lender?

Is it worth reading Payday Loans reviews?

What information can I find in a company review? Is it reliable?

Should I choose Payday Loans Direct Lenders Only?

Pros & Cons of Payday Loans companies operating online or in a store?

Is it worth applying for Payday Loans lenders offering no credit check loans?

What are the best companies for bad credit Payday Loans?

What are the best companies offering alternatives to payday loans?

Best Payday Loan lenders review

Here’s a list of top Payday Loans online lenders according to the consumer choice and experts research:

LendYou is will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collatera or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

 

PaydayloansUSA.online offers Payday Loans, Installment Loans, Personal Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Vary by state.
  • Rates and fees: 4.99% to 1386% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Personal Loans
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
Pros
  • Quick - no driving, waiting, faxing, paperwork.
  • More than 300 direct lenders.
  • High approval rate even for bad credit Payday Loans.
  • Online Payday cash advance with no collateral.
  • 24 / 7 online service.
  • No hard credit check Payday Loans.
Cons
  • High interest rates.
  • Available not in all the states.
  • Not many financial products offered.

 

 

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.

 

 

GoGoPaydayLoans offers Payday Loans at affordable rates with convenient repayment terms. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $1000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day

$100 - $1000 Payday Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $100.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

 

Loan By Phone offers Payday Loans, Installment Loans and Line of Credit.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $3000
  • Terms: Varied
  • Rates and fees: Vary by state
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Line of Credit
  • 21 years of age
  • Social Security Number
  • Proof of Income (from your job, pension, welfare, or other source)
  • Valid email address
  • Active checking account (open for at least 90 days)
  • Current cell/home and work phone number
Pros
  • All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.
  • Flexible repayment.
  • Available in most states.
Сons
  • High interest rates.
  • If you don't pay back on time your data may be sold to third parties.

 

 

Jora Credit offers Installment Loans and Lines of Credit.

  • MIN Loan Amount: $500
  • MAX Loan Amount: $2600
  • Terms: 24 months
  • Rates and fees: 170% - 349% APR
  • Turnaround Time: 1 business day
  • Installment Loans
  • Line of Credit
  • You reside in a state we currently serve.
  • You are at least 18 years old (19 if residing in AL).
  • You have a job or other proven source of income.
  • You have a valid e-mail address.
  • You have an active and valid checking account.
Pros
  • Simple - it’s easy to apply right from your phone, laptop or tablet – anywhere, anytime.
  • Secure - сomplete the secure online application, find out how much you can be approved for.
  • Fast - accept your loan by 10:30am Central time and you can get your funds on the same day.
  • Helpful - with Jora, you’ll have helpful tools to increase your earnings and maximize your career.
Cons
  •  Not available in all US states. 
  •  At 349%, highest rate of APR is not too dissimilar to a Payday loan.

 

 

Echo Credit offers Lines of Credit.

  • MIN Loan Amount: $500
  • MAX Loan Amount: $2600
  • Terms: 24 months
  • Rates and fees: 200% - 349% APR
  • Turnaround Time: 1 business day

Line of Credit

  • The minimum age to be eligible is 18 or the state minimum, whichever is higher.
  • Applicants must have an active and valid checking account
  • Proof of income
  • Proof of identity
Pros
  • Simple - it’s easy to apply right from your phone, laptop or tablet – anywhere, anytime.
  • Secure - сomplete the secure online application, find out how much you can be approved for.
  • Fast - accept your loan by 10:30am Central time and you can get your funds on the same day.
  • Helpful - with Echo Credit, you’ll have helpful tools to increase your earnings and maximize your career.
Cons
  •  Not available in all US states. 
  •  At 349%, highest rate of APR is not too dissimilar to a Payday loan.

 

 

Credible offers Personal Loans, Student Loans, Mortgages, Credit Cards and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $1000
  • MAX Loan Amount: $100000
  • Terms: Vary by state.
  • Rates and fees: starting at 4.99% APR
  • Turnaround Time: 1 business day
  • Personal Loans
  • Student Loans
  • Student Loan refinancing
  • Mortgages
  • Mortgage refinancing
  • Credit Cards
  • Credit score of 640+
  • An active checking account 
  • US residence
Pros
  • Apply once to get access to multiple lenders
  • Quick funding within 1 -2 business days
  • No additional fees
Cons
  • Not many lenders to choose from
  • Not always available for bad credit
  • Sometimes lenders may charge fees to borrow

 

 

 

What criteria should I use choosing a suitable lender?

To cover emergency expenses with the help of instant same day Payday Loans be careful to apply with a legit reliable company. For that make sure to pay attention to the following features:

  • The interest rate and any additional fees;
  • The time of Payday Loan deposit into your account;
  • Customer support and other services the lender provides;
  • Compliance with the state’s laws;
  • The rating of the company on trustworthy sites such as Trustpilot, BBB, etc.;
  • Customer reviews;
  • Clear terms and official license;
  • Long lending experience;
  • Application process with both online and in-store options, etc.

Make sure you are satisfied with each of these points before submitting a Payday Loan application.

Loans for ANY  NEEDS
APR from 4.99%

Is it worth reading Payday Loans reviews?

Reading reviews lets you get any information on the company whose service you’re going to use. Firstly, it saves you time, effort, money and prevents you from scams or other not reliable lenders.

However, reviews may also be different, not all of them deserve your attention. Make sure it’s a verified one from a real customer. How to find out if the Payday Loan review is worth reading?

  • It should contain not only benefits but pitfalls of the lender as well;
  • Too positive information sounds suspicious;
  • See if there’s any contact info of the reviewers so that you could check their identity;
  • Consult the state’s database of legitimate companies to make sure the lender is in the list.

What information can I find in a company review? Is it reliable?

The best company reviews provide a customer with detailed up-to-date information enough to help him make up his mind and apply for the necessary service:

  • Interest rates, APR and other finance charges.
  • Any additional fees included into payday loans application, processing and repayment process.
  • Peculiarities of applying for cash advance online and in-store processes
  • Repayment terms and ways. Options the borrower has in case of loan default.
  • A Payday Loan company profile, history, locations, services, contact information, etc.

An example of a Payday Loan company review may be like this:

Payday Loan review

Should I choose Payday Loans Direct Lenders Only?

Choosing the best Payday Loans company you should keep in mind that there’re direct lenders and various brokers or matching companies operating as intermediaries between a borrower and a lender. If you already have certain experience in taking out online cash advance and know some verified company, you can use Payday Loans form direct lenders only. But in case you are new to this business and need help or advice, you may consider applying through a comparing service. It will let you get matched to a number of companies at once and find a suitable one without filling out hundreds of forms.

Pros & Cons of Payday Loans companies operating online or in a store?

First of all, it’s necessary to state that the best Payday Loans lenders have both online and store locations. Physical address is a must for a legit reliable company as it can be used to check their legal status. Still, some lenders operate only online, while others provide cash advance at some locations near you.

Among the benefits of online Payday Loans are:

  • Quick and easy application
  • 24/7 access
  • Simple requirements
  • Minimum paperwork
  • No faxing
  • No hard credit check
  • Bad credit is Ok

The pitfalls are probably just a few:

  • It takes a day or two to deposit money into your bank account if you apply for a loan online.
  • You may come across scams.

In-store Payday Loan companies are famous for:

  • Instant same day funding
  • Assistance with application documents
  • It’s more reliable as you always have a physical place to return and complain or ask a question.

Still there’re certain drawbacks of in-store Payday Loans:

  • You have to drive there and do all the required paperwork.
  • You don’t get the chance to compare the lenders.
  • If you are rejected, you have to find another location and start everything from the beginning which is long and tiresome.

Read more: Online vs In-store Payday Loans lenders

Is it worth applying for Payday Loans lenders offering no credit check loans?

Most often Payday Loans borrowers are those who have not a very good credit score. That’s why the best companies for them are those providing Payday emergency cash with no credit check. On the one hand, it seems an advantage as lets you get the funds fast and is not going to damage your score. But on the other hand, the majority legitimate Payday Loan lenders do at least a soft inquiry. This is an obligatory part of lending process which helps them to determine applicant’s creditworthiness. Moreover, it turns out good for a borrower as well. Credit check allows to make sure the loan is affordable and thus it reduces the risk of late payments, defaults and debts.

What are the best companies for bad credit Payday Loans?

If bad credit is your main criterion in the choice of the most suitable Payday Loan lender, you’re not going to have any problems finding one. Most short-term loan companies provide instant approval even to poor credit borrowers. The only thing you need to check and compare is the cost of bad credit Payday Loan. Some lenders charge excessive interest rates for the risk they take.

What are the best companies offering alternatives to payday loans?

In many Payday Loans reviews you must have read about the dangers of this expensive short-term cash advance. Borrowers complain about high APR, unreliable lenders, aggressive collection practices, etc. And many of them offer to consider other alternative ways to get quick funding. Usually these options include:

But not always their terms and conditions suit your situation. And if you do need a Payday Loan, make sure you apply for the best company which you can easily find