Payday Loans

Below you will see a list of payday loans companies that offer quick cash advances to US customers. Payday loans are fast cash loans that are designed to cover you until your next pay cheque arrives. The amount you can borrow for a payday loan depends on the lender though usually most payday loans range between $80 and $1000. The requirements for applying for one of the payday loans listed varies according to lender and according to which state you live in. Check this when you are comparing payday loans companies. Please note that the loan agreement you make will be governed by the laws applicable in your state – if you have any issues with payday loans these should be passed on to the regulatory agency in your state. You can take out a payday loan whatever your credit history and most lenders can get the money to you on the same day. Payday loans are very fast as some lenders can even get the money to you in under an hour.

If you wish to speak to someone: Contact Us

COMPANYTYPE

TYPE

Lender / Broker

APR

APR

The term annual percentage rate describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate

LOAN AMOUNT

LOAN AMOUNT

Amount you can borrow

MIN TERM

MIN TERM

Minimum borrowing period

MAX TERM

MAX TERM

Maximum borrowing period

STATES

STATES

States loan is available in

ID REQUIRED

ID REQUIRED

Identification required to apply

SUITABLE

SUITABLE

Applicants the loan is suitable for

TERMS

TERMS

Terms and conditions of loan

RESTRICTIONS

RESTRICTIONS

Restrictions regarding potential borrowers

MORE INFO

First Choice Capital Resources
Apply : First Choice Capital Resources

BrokerVariesUp to $2,5001 Month36 MonthsStates

States

Available in all states

Identification

Identification

Personal, work and financial information including references.

Suitable For

Suitable

If you have bad or no credit

Terms

Terms

See terms and conditions

Restrictions

Restrictions

See individual lenders terms and conditions

Apply : First Choice Capital Resources
First Choice Capital Resources (FCCR) is dedicated to finding the right lender to fit your personal needs. They also provide 'loans for bad credit'. They provide a fast, secure, and private way to borrow the Cash you need! Get up to $2,500 to use however you like-- Bankruptcy and bad credit is NOT an issue. They have a quick and easy online approval. Their unique program matches your needs with the right lenders for instalment loans, payday loans, and merchandise credit lines. They maintain a database of these different type lenders, and show your profile to the best lenders for your unique situation. You create one simple online profile, and they search their entire network for you. DETAIL INFORMATION >>Services

Services

Instant online application acceptance


Advantages

Advantages

1. Pay off bills.
2. Take a vacation.
3. Make home improvements.
4. Use the money in any manner you like.
5. Bankruptcy - no problem
6. Flexible payment terms
7. Past credit problems OK.


Disadvantages

Disadvantages

1. You have to apply to obtain the fees and charges

Fast Loan USA
Apply : Fast Loan USA

BrokerVaries$100-$15001 day30 daysStates

States

In all states apart from Arizona, Arkansas, Georgia, Massachusetts, New York, Penyslyvania, or West Virginia, Virginia or Ohio.

Identification

Identification

Initially zip code and email address

Suitable For

Suitable

For those looking for a solution to short term financial problem.

Terms

Terms

1. Not all lenders can provide you with up to $1000 on your first advance.
2. Cash transfer times may vary between lender to lender and may depend on your financial situation.
3. The service does not offer payday loans in Arizona, Arkansas, Georgia, Massachusetts, New York, Penyslyvania, or West Virginia, Virginia or Ohio.

Restrictions

Restrictions

You must be a US resident and over the age of 18

Apply : Fast Loan USA
Fast Cash Loan USA offers emergency cash advance loans when you need money fast. They have a large national network of trusted lenders. You can get up $1500 in 24 hours and have the cash wired straight to your bank account. There is no need to worry if you have a bad credit history. Even people with bad credit history can get access to cash advances. Many people who would not get the chance from a traditional bank, can get cash as early as next business day. Simply by filling out a form online, you can get access to the money you need. The loan fees and interest rates are determined by your lender, with specific amounts determined based upon the information you submit. DETAIL INFORMATION >>Services

Services

Payday Loan Broker


Advantages

Advantages

1. Fast Cash delivery
2. Quick Online Approval
3. Safe and secure
4. Get funds
 
Fast and easy application process!
 
1. Fill out our simple and easy online form
2. We match you with a lender based on their requirements and direct you to their site
3. The lender will then display their loan rates, terms and conditions for the loan
4. Cash is directly deposited to your bank account after approval!


Disadvantages

Disadvantages

1. Payday loans do not provide a long term solution to debt problems
2. Due to the short term nature of a payday loan and the higher risk lenders take when lending to individuals with less-than-perfect credit histories the interest rates on these types of loan tend to be quite high.
3. Until you input personal information it is difficult to obtain any infomation about the lenders Fast Loan USA works with

CashAdvance.com
Apply : CashAdvance.com

BrokerVaries on lenderVaries$100$999 or moreStates

States

Nationwide

Identification

Identification

Personal, work and financial information including references.

Suitable For

Suitable

If you need cash quickly

Terms

Terms

See policy of the lender

Restrictions

Restrictions

Only if you are aged 18 or older, and a citizen or permanent resident of the United States Income of at least $1,000/month after taxes

Apply : CashAdvance.com
Since 1997 CashAdvance.com has been helping visitors in need of short term loans (also known as a “cash advance”). CashAdvance.com has the largest network of lenders and the highest payouts in the industry. DETAIL INFORMATION >>Services

Services

Matching service to find the best payday Loan


Advantages

Advantages

1.100% Secure Application 

2.Bad Credit OK 
3.Immediate Online Approval 
4.Get Fast Cash


Disadvantages

Disadvantages

Not advisable for long term cash needs

CashNetUSA
Apply : CashNetUSA

Lender243.25% - 683.04%$100 - $2,2508 daysVaries by stateStates

States

AL, AK, CA, DE, FL, HI, ID, IL, KS, LA, ME, MI, MN, MS, MO, NV, NM, ND, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY

Identification

Identification

Driver’s license or State ID/Social Security Number

Suitable For

Suitable

Emergency cash needs

Terms

Terms

You must be at least 18 years old, be employed and have an active checking account.

Restrictions

Restrictions

1. Have an active checking account
2. Have been employed for at least one month
3. Must be a US citizen or permanent resident
4. Must be at least 18 years of age

Apply : CashNetUSA
SAVE 50% OFF initial loan fees on your first loan with promo code NEWCASH50 before October 31st 2012! CashNetUSA is a leading online lender of subprime personal loans. They’re dedicated to helping people bridge the gap between paydays from the privacy and comfort of their own home. Since 2004, they have helped over 1 million satisfied customers get the money they need, when they need it most! Apply for a payday loan in minutes, get instantly approved and have your money deposited directly into your bank account by the next business day! There's typically nothing to fax and no extra paperwork to fill out. Get the money you need, when you need it most — at CashNetUSA. DETAIL INFORMATION >>Services

Services

1. Online Payday Loans
2. Installment Loans
3. Line of Credit


Advantages

Advantages

1. Five-minute application
2. 24/7 customer service via phone, email or online chat
3. Get cash as early as the next business day
4. Earn $20 credit for every friend you refer
5. Preferred member program
6. Over 1 million satisfied customers


Disadvantages

Disadvantages

1. Loan fees are based on your state’s requirements
2. Availability of loan extensions is based on your state’s restrictions
3. Max loan amounts are based on your state’s guidelines

USA Payday Pro
Apply : USA Payday Pro

BrokerVariesUp to $1,500VariesVariesStates

States

Available in all states

Identification

Identification

Personal information, banking details and employment history

Suitable For

Suitable

Emergency cash needs.

Terms

Terms

You must be currently employed, make at least $1,000 and be over the age of 18 years old.

Restrictions

Restrictions

1. Be 18 years of age
2. Be a US Citizen
3. Be currently employed or receive regular income
4. Make at least $1,000 per month
5. Have a valid checking or savings account with direct deposit

Apply : USA Payday Pro
USAPaydayPro provides dependable payday loan options. Payday loans unburden you of the time crunch until your next pay day so you are able to stay financially on track. USAPayDayPro’s express loans cover your unexpected costs so you can sidestep late fees, overdraft charges, and unnecessary hassle. They offer you the funds you need to cover unexpected costs with minimum requirements which are simple to meet. They do not require a credit check to approve you for a cash advance and you can easily apply online and receive fast cash. To apply for a payday loan, complete and submit the application form. At that point, the approval process will immediately get under way. DETAIL INFORMATION >>Services

Services

Payday loan services


Advantages

Advantages

1. No credit checks.
2. Confidential
3. Quick and easy form
4. Apply online.


Disadvantages

Disadvantages

1. Payday loans are not suitable for long term financial problems.
2. Depending on the lender, fees can range from $25 to $30 per $100 borrowed

AmeriAdvance.com
Apply : AmeriAdvance.com

BrokerVaries$100 - $1,5008 days25 daysStates

States

Available in all States

Identification

Identification

Employment information, banking details and picture identification

Suitable For

Suitable

Emergency cash needs

Terms

Terms

You must be 18 years old and make at least $1,000

Restrictions

Restrictions

1. Current employment (or receive regular income)
2. Make at least $1000/month
3. Be 18 years of age or older and a U.S. citizen
4. Have checking or savings account with direct deposit.

Apply : AmeriAdvance.com
AmeriAdvance.com provides access to quick cash loans via the internet. Their service is tailored to fit the needs of people who need extra cash and need it quickly. Loans are available for $100 to $1,000 and their secure application is available 24 hours a day. At AmeriAdvance.com, you do not need to go to a bank and wait in line. Set your bank account up with direct deposit so you can securely get your cash in the time you need it. AmeriAdvance.com specialise in emergency cash loans. You can easily apply for payday loans online and receive the money you need today. You receive instant approval and 100% of applicants are accepted to receive loans up to $1,500. DETAIL INFORMATION >>Services

Services

1. Bad credit will not prevent you from receiving a payday loan at AmeriAdvance.com
2. Each state has different rules and regulations regarding loan due dates. Typically, repayment is scheduled on your next payday (between 8 and 25 days away).


Advantages

Advantages

1. Completely online.
2. Instant approval.
3. Get funds fast.
4. No faxing.
5. No credit checks


Disadvantages

Disadvantages

1. Depending on the lender, fees can range from $25 to $30 per $100 borrowed.
2. Payday loans are not suitable for long term financial problems.

911 for Payday
Apply : 911 for Payday

BrokerDependent on lenderUp to $1,5008 days25 daysStates

States

Identification

Identification

Employment information, banking details, and picture identification

Suitable For

Suitable

Emergency cash needs

Terms

Terms

You must be 18 years old, have a valid checking account and make at least $1,000.

Restrictions

Restrictions

1. Currently have a job (or receive regular income)
2. Make at least $1000 per month
3. Are 18 years of age or older and a U.S. citizen
4. Have checking account or savings account with direct deposit.

Apply : 911 for Payday
If you are short on cash in between pay days, 911ForPayday can help. Their unsecured, short-term loans are available for those unexpected moments where you need immediate cash. Having the funds to address your financial obligations helps save you money by avoiding bank fees and late payment penalties. 911ForPayday provide you with unsecured, short term loans for those unexpected moments where you need immediate cash. You can fill out the express application online, receive approval and withdraw your cash. Your 911ForPayday loan is based upon the information you provide in your application. The lender will then determine the loan amount DETAIL INFORMATION >>Services

Services

Bad credit will not prevent you from receiving a payday loan at 911forpayday.com.


Advantages

Advantages

1. Fast cash.
2. No credit checks.
3. Instant approval


Disadvantages

Disadvantages

1. Depending on the lender, fees can range from $25 to $30 per $100 borrowed.
2. A payday loan is a short-term solutions to an urgent cash need; they should not be used repeatedly to deal with continuous budgeting issues.

Treeline Credit Services
Apply : Treeline Credit Services

BrokerVariesUp to $25001 week2 monthsStates

States

Available in all States

Identification

Identification

Driver’s License/State ID and Social Security Number

Suitable For

Suitable

Available in all States.

Terms

Terms

You must be at least 18 years old and a US citizen.

Restrictions

Restrictions

Available to US Citizens only.

Apply : Treeline Credit Services
Treeline services offers a free matching service for financial & lifestyle products and services. By having one simple online profile, they can connect you with multiple lenders and credit providers much easier than doing it on your own. They never charge a fee to their customers for our matching service. Their program is designed to match the right products and services based on information you provide and deliver them to you to accept or decline as you feel based on matching your needs. They strive to offer services to individuals and families even if they are refused similar services elsewhere. DETAIL INFORMATION >>Services

Services

A broker who looks at you not your credit.


Advantages

Advantages

1. Instalment Loans
2. Payday Loans
3. Fast Efficient Service


Disadvantages

Disadvantages

1. Loans not guaranteed
2. You must be over 18 to apply

MyPayDayLoan.com
Apply : MyPayDayLoan.com

LenderUp to 1303%Up to $1,0007 Days14 DaysStates

States

Available in all States

Identification

Identification

Social Security Number

Suitable For

Suitable

Emergency cash needs

Terms

Terms

You must have a checking account that is at least 90 days old and employment of at least 6 months.

Restrictions

Restrictions

You must have a CHECKING account that is at least 3 months old

Apply : MyPayDayLoan.com
Do you need cash urgently? Then Mypaydayloan.com could be the right place to turn to. They approve loans up to $1,000 instantly without performing credit checks and handle your application discreetly and quickly. If you are at least 18 years of age, a US citizen and have a bank account you can apply using their easy and mobile-friendly application process. DETAIL INFORMATION >>Services

Services

Free no fax pay day loans


Advantages

Advantages

1. Free no fax pay day loans
2. No credit checks
3. Borrow up to $1,000
4. Faster approval process.


Disadvantages

Disadvantages

1. The fee for advancing a payday loan is $25 per every $100 borrowed. For example, if you borrowed $300 the fees would total $75.
2. A payday loan is not a long term solution for financial problems.
3. This service may or may not be available in your particular state

Cash Central
Apply : Cash Central

Lender1042%Varies4 days30 daysStates

States

Identification

Identification

Personal Information and Employment details.

Suitable For

Suitable

Emergency cash needs

Terms

Terms

You have been employed three months or longer, take home a minimum of $1,000 monthly and have a valid checking account.

Restrictions

Restrictions

1. You have been employed three months or longer.
2. Take home a minimum of $1,000 monthly (after taxes).
3. Valid checking account in your name.
4. Current (and valid) home and work telephone numbers.
5. U.S. Citizen
6. Over 18

Apply : Cash Central
With Cash Central's fast and easy 3-step loan process, outstanding personal service and confidential 24/7 online convenience, you're always a few clicks away from the funds you need. Each step provides easy reference to your progress and allows you to contact a loan advisor during their convenient operating hours. Cash Central offers you loans with secure, reliable and state-licensed legitimacy. Cash Central will get you the cash you need to bridge the gap until your next payday. Cash Central offer Payday Loans up to $1000. DETAIL INFORMATION >>Services

Services

Quick loan approval


Advantages

Advantages

1. Outstanding personal service.
2. Simple process for quick money.
3. Secure, Reliable, State Licensed.
4. Quick help for life's emergencies.
5. Confidential 24/7 Online Convenience.
6. Quick loan approval.
7. Payday Loans up to $1000. Save 10% Off Loan Fees! Promo Code: CJ10MAY11. Expires May 31, 2011


Disadvantages

Disadvantages

1. Cash Central's rates vary by the state you're borrowing in.
2. Payday loans are not a long term financial solution.

The Smart Credit Solution
Apply : The Smart Credit Solution

BrokerVariesUp to $1,5001 week60 daysStates

States

Available in all States.

Identification

Identification

Driver’s License/State ID and Social Security Number

Suitable For

Suitable

Emergency cash needs

Terms

Terms

You must be at least 18 years old and a US citizen.

Restrictions

Restrictions

1. You must be at least 18 years of age
2. Have a job (or other regular source of income)
3. You must have an active open bank account

Apply : The Smart Credit Solution
The Smart Credit Solution offers a free matching service for financial & lifestyle products and services. By having one simple online profile, they can connect you with multiple lenders and credit providers much easier than doing it on your own. They never charge a fee to their customers for our matching service. Their program is designed to match the right products and services based on information you provide and deliver them to you to accept or decline as you feel based on matching your needs. They strive to offer services to individuals and families even if they are refused similar services elsewhere. DETAIL INFORMATION >>Services

Services

A broker who looks at you not your credit.


Advantages

Advantages

1. Instalment Loans
2. Payday Loans
3. Fast Efficient Service


Disadvantages

Disadvantages

1. Loans not guaranteed
2. You must be over 18 to apply

If you wish to speak to someone: Contact Us

Comparing Payday Loans

Payday loans have a bad reputation and there are some good reasons for this. However, there are ways keeping payday loan costs down

Why payday loan have a bad reputation

There are both advantages and disadvantages to payday loans and both should be considered before making an application for a payday loan. Many members of the public dislike the payday loan business because it is widely believed that payday lenders and brokers take advantage of those who are most in need by charging high levels of interest on relatively small amounts of money.

However, as the payday loan market continues to grow it is becoming clear that more and more people are looking for emergency cash injections. Unfortunately the global financial crisis has led the banks and more mainstream lending establishments to become increasingly strict regarding whom they lend money to. This means that many people with a poor credit rating need to seek credit elsewhere. There is no doubt that the rates of interest on payday loans are higher than those of standard bank loans. However, there are also very few creditors who can provide loans for people with bad credit in as little as fifteen minutes and in an emergency that is what counts. Just make sure that you are away of the pros and cons of payday loans and that you understand the risks.

Is it worth getting a payday loan?

Under most circumstances there are probably better options than payday loans. The interest is very high so payday loans really are a very expensive way to borrow. However, if you have no alternative and have exhausted every other possibility then a payday loan may aid you if you need emergency cash quickly. Some companies can lend you the money you need in as little as fifteen minutes so time shouldn't be an issue. Most lenders will perform minimal credit checks but you will find that you will still be able to get the money you need whatever your credit history.

How you can keep the costs of payday loans down?

Firstly make sure that a payday loan really is what you want and there are no superior options. Payday loans should be used as a last resort and should be treated with caution as they are an expensive way of borrowing money. You should then work out exactly how much you want to borrow and keep it to an absolute minimum. Borrowing more than you need to will only mean that you will pay more interest on the payday loan. In some cases the shorter the length of time that you borrow for the less interest you will have to pay on the loan so this is worth looking into.

Next, compare as many different payday loan companies as you can to help you find a good deal. There are numerous options online so read all of the detail which you can before applying. Work out exactly how much you want to borrow and how much you will have to pay back with the interest and fees. Do this with several companies until you find the cheapest option.

Before doing anything make sure you read the terms and conditions of any pay day loan before you apply as these will outline everything you need to know. Finally make sure that you pay your payday loan back on time. A payday lender may encourage you to let a loan roll over into the next month but it will just cost you more. Pay the payday loan back on time as there will be expensive penalty charges if you don't. The interest rates and other charges for late payments can easily accumulate and you will also damage you credit rating which will be used against you.

What to watch out for when comparing pay day loans.

Payday loans are expensive so you need to be smart about which one you get. First of all the APR will give you an idea of how expensive your loan is. It is in the interests of payday lenders to lend as much as possible so that you will have to pay more money back. Keep your borrowing to a minimum. Make sure you read the terms and conditions of any payday loan really thoroughly and make sure there are no hidden costs and charges. Pay the loan back on time as there are often expensive penalty charges and you will damage your credit score.

Payday Loans - Latest News News and Charts

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