12 million adult Americans take Payday Loans annually. On average, it’s eight loans of $375 each per year plus $520 interest. 5.5 % adults nationwide have used a payday loan in the past five years, with three-quarters of them borrowing in-store and almost one-quarter borrowing online 1.

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans 1,000 - $35,000

TOP RATED COMPANIES

Rates last updated November 14th, 2018
4.4193548387097

PAYDAY LOANS USA .ONLINE

$1,000
MAX. loan amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

16,6%
MIN MPR

The minimal percentage allowed that actually represents the cost of your loan charged for a month. It's more important for the customer as mostly Payday loan are borrowed for a month term and paid off with the next paycheck.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Has life thrown you an unexpected financial curveball? Need a loan? Bad Credit?  Don’t look any further! PAYDAY LOANS USA .ONLINE is here for You. 100% online short-term Payday and unsecured Personal loans from some of the best direct lenders in the USA.

LEND YOU

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

15%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

LendYou.com is the easy way to find the cash you need when you need it. You’re looking for cash to pay bills, to buy a car or maybe do some work around the house. LendYou.com has the lenders you're looking for. It's easy. It doesn't matter the size of the loan you're looking for… LendYou may be able to connect you with a lender that can help.

The loans you need, when you need them. 

4.4285714285714

Check Into Cash

$1,000
Maximum Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

Varied by state
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Check Into Cash is a national leader in direct lending, providing customers with affordable, short-term, small dollar credit solution. We provide Payday Advances, In-Store Cash Advances, Online Payday Loans, Title Loans, Title Pawns,Check Cashing, Western Union®, walk-in Bill Pay, and reloadable prepaid U.S. Money Cards in our centers nationwide. Check Into Cash is truly your one-stop money shop.

4.3333333333333

CashAdvance.com

$999
Maximum Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

15%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

CashAdvance.com is one of the more trusted names in payday loans, and works the same as Trusted Loan Network in that it aggregates lenders to help match the best one for you. They offer a wide range of loans and have some of the lowest APRs in the payday loan business. CashAdvance.com also does not require a credit check, but you do need to be 18, have a source of income and have an open back account. Once you are approved, funds will be deposited in your account the following business day.

4.7142857142857

Personal Loans .com

Available for Bad Credit

PersonalLoans.com provides an easy and convenient way for consumers to be connected with a Personal Loan up to $35,000 through the network of lenders and lending partners. Through PersonalLoans.com, you can get needed loan funds quickly, in as little as just one business day. You don’t have to pay back these funds quickly, however, as the repayment time frame ranges from 90 days to 72 months depending on the terms of your loan. For shorter-terms loans offered, such as installment loans, the repayment time frame may be less than six months.

ONLINE COMPANIES

Rates last updated November 14th, 2018
4.2352941176471

Payday Loans Low Rates

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

16,6%
MIN MPR

The minimal percentage allowed that actually represents the cost of your loan borrowed for a month. It's more significant criterion than APR as mostly Payday loans are borrowed for 14-30 days until the next paycheck.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

THE TYPES OF LOANS THAT WE OFFER ARE AS FOLLOWED:

Payday Loans - a short-term loan which you typically would repay by your next payday or within 30 days. Normally comes with a higher (APR).

Instalment Loans - involves equal periodical repayments over an agreed loan term. No collaterals are needed either, but the APR is normally lower compared to the one of the payday type.

4.4375

Your Faster Payday

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

16,6%
MIN APR

The minimal percentage allowed that actually represents the cost of your loan borrowed for a month. It's more significant criterion than APR as mostly Payday loans are borrowed for 14-30 days until the next paycheck.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

How does YourFasterPayday.com work? You’re looking for cash to pay bills, to buy a car or maybe do some work around the house. YourFasterPayday.com has the lenders you're looking for. It's easy. It doesn't matter the size of the loan you're looking for... YourFasterPayday may be able to connect you with a lender that can help. Fill out the block above to get started.

4.2352941176471

Fast Holiday Loans

$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

200%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Get cash for the holidays! Get a loan of up to $15,000 as soon as the next business day! Wrap Up the Holidays with up to $15,000 in Cash! This holiday season, get the cash you need. We’ll connect you with a lender who can provide up to $15,000 to take care of all of your holiday expenses!

Benefits:

  • Easy Online Application
  • Safe and Secure
  • Fast Decision
  • Trusted Source

Is there any difference between storefront and online lending? What are their pros and cons? Which one to choose under certain circumstances? Our research will give you all the necessary answers.

Contents

Online Lenders

In-Store Lenders

Online vs In-store Payday loans.

Let’s mention once again what are the characteristics of Payday loans, how and where you can get them. It’s short-term small-dollar cash advance in the amount up to $1000 paid back with your next paycheck in 14-30 days. They are famous for being quick, easy, convenient, unsecured, available for bad credit, but charged rather high APR for. Any resident of the state has the right to apply for it if he is over 18, has a permanent job with a stable income and a valid bank account. They can borrow both in-store and online. 

The most obvious difference is that in-store lenders possess a real building, a shop where customers can physically walk and obtain money. For some people it’s a benefit if they prefer face-to-face communication, like to see everything with their own eyes, to feel, touch, maybe even smell))) Seriously speaking, there is always a real person to answer any of your questions and help with any problems. Some lenders may ask you to bring some documents from work or bank, and maybe to leave a post-dated check to secure a loan. To pay it off you can come back to the store or do it through electronic debit. Choosing storefront Payday loan may be the right decision for those who do it for the first time, feel unconfident or lack some information.

If you already have some experience borrowing money, or are good at surfing the Net and doing research online lending will definitely suit you. At the modern age of high technology and world wide web, the majority even order food, buy clothes, book tickets, etc. online, to say nothing about borrowing money. No doubt, it’s faster, easier and more convenient. You fill out a free application online. It doesn’t affect your credit history as usually doesn’t imply a hard check. And in some minutes you are connected to the direct lender, and in case you get approved you get the money into your account in less than 24 hours. Or you can use the service of a lending broker company that will provide you access to many lending organizations so that you can choose. Or, which seems the wisest way, use our COMPACOM website to get the chance to compare both online and in-store lenders near you, or in your city, or in your state and decide whose rates and other conditions suit you best. 

Pros and cons of online and in-store Payday loans.

Online Payday Loans Direct Lenders

Online lenders

Pros

  • fast: 1 minute to apply, instant approval, less than 24 days to get money;
  • easy and convenient: no driving, no paperwork, no waiting in lines;
  • applying is free and doesn’t affect your credit history;
  • funds go directly to your bank account, you don’t have to get cash, deposit it into your account or leave a postdated check;
  • accessibility: every person possesses a smartphone or laptop and can easily go online
  • available for candidates with low (about 600) FICO credit score;
  • being able to compare a lot of lenders with their rates and fees at one time, which can be easily done with COMPACOM service;

Cons

  • There can be some scams, who want just to get your private information. So be careful, before applying check whether the lender is authorized and legal. You can do it with a quick Google search; go to www.trustpilot.com, call the Better Business Bureau at www.bbb.org or speak with a customer representative for that company.
  • It sometimes can be rather expensive, you may be charges additional fees such as verification, database, administration fee. But it’s easy to avoid overpayment if you study and compare all the offers at first.
  • Even if you pay off the loan earlier than agreed there won’t be any prepayment penalties, but there won’t be any savings either.

In Store Payday Loans Direct Lenders 

 In-store lenders

Pros

  • personal contact and ability to see the lender, to discuss their conditions, to ask questions and get some help on the spot;
  • the specialists’ support and help, for example, in filling out an application;
  • sometimes at the front store you can receive money right on the same day whereas applying online you may wait till tomorrow;
  • front stores are more easily controlled by state which means they are more likely to be legal.

Cons

  • It may take longer time than online lending which requires only a few clicks. 
  • If you want to compare loans, you’ll  have to visit various lender locations, which means driving, losing time in traffic jams.
  • You have fewer options to choose from as they are limited to your location. 
Important!
If you sent your loan request online before 10:30 am on workdays you can be eligible for same-day money deposit into your bank account. Applications made after 10:30 am till 8.00 pm are usually funded the next day, but exceptions may happen.

 Taking into account the enumerated advantages and disadvantages of online and in-store lending, we can say who they better suit to. If you are an experienced borrower who values time and appreciates all the benefits of technological progress, apply for a Payday loan online. If you are still in doubts and have little information about cash advance and need some professional help, try front stores. On COMPACOM web site we offer you to compare both online and in-store lenders and make the right choice.

How to borrow responsibly?

Any Payday Lender: online or in-store - must meet certain requirements. Both store front and online payday lenders must follow the lending law, rules and regulations in their state. While it is easier to spot an unreliable store-front lender, it’s not as easy to spot an unscrupulous online lender. But you can always do some research and check it yourself. Just be attentive and remember about your rights:

  • You must be provided by all the details of the interest rates. Any hidden fees are prohibited.
  • In most cases a written agreement must be signed.
  • You must be given all the information including address, telephone, other contacts of the lender.
  • You can check whether the lender is licensed and OLA certified, you’d better avoid others as dealing with them doesn’t guarantee your protection.

If you apply online you can get all the information about the company on their official website and ask  any question or complain to the CPFB 2.

Not to get scammed follow these easy rules:

  • before applying find out as much information as possible
  • don’t hesitate to ask questions, to read reference or ask for any documents proving the legitimacy of the lender
  • don’t e-mail or transfer by any other means your private information, before doing it check that the website is secure

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans 1,000 - $35,000

Our COMPACOM service is absolutely legal, free, reliable and safe. We protect your rights and personal information. Working with us you save time and money getting the chance to compare more than 300 direct lenders at a time and choose the best rates. If you are looking for a cash store near you, no problem, compare the best offers on our website as well.