Sometimes
you do not have enough money to make it to the next payday. Unexpected expenses
exceed your savings, and you need some way to supplement your short-term cash
flow. But it may be tricky to find the best payday loan company. It might take
a few days before picking the one company that meets all your demands.
To
guide you through this decision process, below is the list of best payday loan
companies based on reviews, thorough analysis of companies’ sites, their
activities, and mentions in mass media.
But
first of all, check whether payday loans or installment loans are legal in your
state.
Dark Blue = Legal, Light Blue = Heavily
Regulated, Gray = Prohibited
zippyloan.com
Areas Served: Alabama,
Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa,
Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri,
Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Rhode Island, South
Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.
Loan Amount: Short-term
loans up to $100; online personal loans up to $15,000
Zippyloan.com
connects consumers with lenders willing to provide short-term loans up to
$1,000 and online personal loans up to $15,000. The company has built a network
of reputable lenders so that you have more options available to you and can
select the right offers for your needs. Your basic information and the amount
of money you would like to borrow will be forwarded throughout this network, so
that you can receive a suitable loan offer from one of the lenders. Even though
lenders may need to perform a credit check to verify your credibility, in most
cases they may not consider your credit history as the major factor to approve
your request for funding.
You
will communicate with your lender directly and receive the details of the loan
offer that suits your needs. When you review the terms, you will be able to
make your decision and e-sign the loan agreement to close the deal.
Note,
you do not have to accept an offer from any lender. You will not be penalized
if you reject an offer, and until you have provided your e-signature on the
loan agreement, you are not bound to any obligations. If you choose to accept
an offer, then you will be asked to provide the e-signature before the funds
can be deposited into your bank account.
TitleMax
Areas Served: Alabama,
Arizona, California, Delaware, Georgia, Illinois, Mississippi, Missouri,
Nevada, New Mexico, South Carolina, Tennessee, Texas, Utah, Virginia, and
Wisconsin
Loan Amount: Up
to $10,000
TitleMax is a title lending company
that offers car and motorcycle title loans and pawns at competitive rates. The
company strives to provide a superior level of customer service as it helps
thousands of people get the cash they need with a title loan.
With
thousands of convenient locations, TitleMax is here to help customers obtain
the next car or motorcycle title loan. Depending on the type of loan or pawn
you would like to get and the state from which you plan on getting it, the
requirements vary; however, the process of getting a TitleMax loan or pawn
remains constant. After you fill out some paperwork and you and its
representative decide on the amount of your loan, you take your cash. You get
to keep driving your car or motorcycle for the duration of your TitleMax loan
or pawn.
Finova
Areas Served: Arizona,
California, Florida, New Mexico, South Carolina, and Tennessee
Loan Amount: Depends
on the state. The loan amount is based on the value of your vehicle and your
ability to repay the loan (monthly income).
Founded
in 2015, Finova is backed by leading Silicon Valley venture capital firms and
Wall Street private equity investors.
Finova’s
digital financial products include a Car Equity Line of Credit (CLOC),
providing fast, affordable emergency loans based on car equity, and the Finova
Automobile-Secured Prepaid Card, which accepts either cash or car equity to
fund the card.
Finova’s
Secured Prepaid Card provides consumers with a quick loan when needed and their
paycheck up to two days faster with free direct deposit.
The
Finova client portal provides personalized access to its financial dashboard,
allowing real-time management of your loan and prepaid card. Payments can be
made from the convenience of your Finova prepaid card, computers, mobile
devices, and at 32,000 US retail locations.
Check Into Cash
Areas Served: United
States of America; United Kingdom
Loan Amount: Up
to $1,000
Check
Into Cash is a financial services retailer with more than 1,100 stores in 30
states. The company was founded in 1993 by W. Allan Jones in Cleveland,
Tennessee, where the headquarters are located today.
The
firm offers payday loans, online payday advances, title loans, bill payment
services, check cashing, reloadable prepaid debit cards, and Western Union
money transfers and money order services. The loan amount is based on the value
of your vehicle and your ability to repay the loan (monthly income).
LoanMart
Areas Served: Alabama,
Arizona, California, Georgia, Illinois, Missouri, New Mexico, South Carolina,
and Utah
Loan Amount: Up
to $2,500
LoanMart
is a California-based money-lender, including risk assessment, asset
allocation, financing services, customer acquisition, and loan services.
LoanMart provides car title loans throughout Arizona, California, Illinois,
Missouri, New Mexico, and Utah. Founded in 2002, the company provides financial
services directly to its customers and through a large network of partners. It
also offers an emergency cash option with your auto title of up to $2,500
within 24 hours.
Advance Financial
Areas Served: Alabama,
California, Delaware, Idaho, Kansas, Missouri, North Dakota, Tennessee, Utah,
Virginia, and Wisconsin
Loan Amount: Up
to $4,000 (not available in all states served)
Advance
Financial offers FLEX Loans as well as wire transfer, bill payment, and
unlimited free money orders. It currently operates more than 90 locations
throughout Tennessee, employs more than 1,000 local representatives, and offers
online services in multiple states across the country.
By
focusing on a wide variety of financial services, convenient 24/7 operating
hours, efficient service and professional staff, Advance Financial is committed
to building long-lasting, strong relationships with every customer.
Advance
Financial has earned an A+ rating from the Better Business Bureau and was named
a Top Work Place by The Tennessean.
TMG Loan Processing
Areas Served: Arizona
and California
Loan Amount: From
$1,000 to $500,000 depending on qualifying factors
TMG
Loan Processing offers online loans from companies nationwide that are
available at over 1,500+ locations, including MoneyGram, Wire, ACH, and direct
location money centers. VIP expedited service and e-signing of agreements are
available. TMG Loan Processing offers an online application, instant chat, or
Customer-to-Agent texting service to assist customers in receiving a loan.
Loans range from $1,000 to $500,000 depending on qualifying factors. The
service is free to the consumer.
The
product suite includes Car Title Loans, Registration Loans, Car Title Loan
Refinancing, Small Business Loans, and Small Business Lines of Credit.
OppLoans
Areas Served: Alabama,
Alaska, Arizona, California, Delaware, District of Columbia, Florida, Georgia,
Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Michigan, Minnesota,
Mississippi, Missouri, Montana Nebraska, Nevada, New Mexico, North Dakota,
Ohio, Oklahoma, Oregon, South Carolina, South Dakota Tennessee, Texas, Utah,
Virginia, Wisconsin, Washington, or Wyoming.Loan Amount: Up
to $5,000
OppLoans
is a direct lender that offers large loans but does not operate in every state.
You will not be able to borrow if you live outside of its serviced regions. The
company provides loans to people with less-than-perfect credit and the interest
rates tend to be high. According to OppLoans’ disclosures, 4 out of 10 people
who take out a loan will need to refinance their loan at least once. OppLoans
provides you the ability to change your payment date.
It
does not have any reviews on its Trustpilot page, but reviewers on other sites
have given it a positive response. OppLoans’ customer service is often cited as
one of their best features, and the large loan amounts set it apart from other
short-term loan options.
CashUSA.com
Areas Served: USA
Loan Amount: Up
to $10,000
CashUSA.com
provides the secure, convenient, and fast service you need to find a personal
loan that can work for you.
CashUSA.com’s
site is safe and secure to protect all of your personal information online
related to your loan through its services.
With
CashUSA.com, you can submit a request for a personal loan, and if a lender
approves you for a loan, then you can receive your funds as early as the next
business day. You can complete the process even faster if you have your banking
account and personal information on hand before starting your request.
LendYou
Areas Served: USA
Loan Amount: Payday
loans are usually between $100 and $1,000. Installment loans range between $100
and $5,000. Personal loans are usually between $500 and $35,000.
LendYou
is not a lender and therefore does not make short-term loans or credit
decisions. The company connects consumers with independent third-party lenders.
You register online from your home computer or any mobile device. The process
is very fast. If you are connected with a lender, then you will receive an
offer with the terms and conditions of the loan. If you agree to the terms,
then the money could be available within one day.
CashNetUSA
Areas Served: Arizona,
Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Indiana, Iowa,
Kentucky, Maryland, Massachusetts, Montana, Nebraska, New Hampshire, New
Jersey, New York, North Carolina, Pennsylvania, South Dakota, Vermont, and West
Virginia.Loan Amount: Depends
on the state.
CashNetUSA
is a lender that provides payday loans, installment loans, and lines of credit.
Payday
Loans. The maximum you can apply for depends on the regulations in your state.
You must repay the principal and interest by your next payday.
Installment
Loans. Where you live determines how much you can apply for and the length of
the loan repayments. The amounts are usually larger than a payday loan, and the
repayment terms are longer. Your financial situation determines whether you
have the ability to make monthly or bi-monthly repayments until you repay the
loan completely.
Lines
of Credit. A CashNetUSA line of credit gives you more freedom when it comes to
funding and repayments. You can borrow as much as you need when you need it, up
to your approved limit.
The
application only takes a few minutes, and you will receive an instant decision
if you have been approved. Once you sign the loan contract, then you could have
your funds transferred to your bank account as soon as the next business day.
Snappy Payday Loans
Areas Served: Alabama,
Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,
Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana,
Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri,
Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Dakota,
Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South
Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia,
Wisconsin, and Wyoming.Loan Amount: Up
to $1,000.
Snappy
Payday helps find online payday loans, installment loans, and lines of credit
for those in need of emergency funds who may also have bad credit. The company
arranges for cash advances to meet your personal needs, and many of its Direct
Lenders offer same day approvals.
After
your application has been submitted, Snappy Payday will try to find a Direct
Lender. You will be contacted by a loan specialist, who will review your
application. After you receive approval and have signed the contract, your
money will typically be available the following business day. Some Direct
Lenders are able to fund same-day loans. Either way, the funds will be
deposited directly into your bank account.
After
you receive your money, typically you will be able to log into your account to
make payments, monitor your balance, and manage your account.
AlliedCash.com
Areas Served: Arizona,
California, Indiana, Michigan, and Virginia.Loan Amount: Varies
from $50 to $1,500, depending on the state where you live.
Allied
Cash Advance focuses on finding financial solutions for everyday life. The
company operates in five states and helps people get the money they need to get
back to life faster. The brand was acquired in 2012.
Now,
Allied Cash Advance is owned and managed by the same friendly people as Check`n
Go, so its customers get great service and products across the entire family of
brands.
Moneytree
Areas Served: US:
Southern California, Colorado, Idaho, Nevada, and Washington; Canada: British
Columbia.
Loan Amount: Up
to $1,000.
Moneytree
is a family-run business that has provided financial services to customers for
over 30 years.
Today,
Moneytree employs over 800 Team Members in branches throughout Southern
California, Colorado, Idaho, Nevada, and Washington in the United States, as
well as British Columbia, Canada. Moneytree works hard to be the best provider
of consumer loans and other financial services. The company is a direct lender,
and depending on the market, it offers payday loans with or without a checking
account, title loans, and installment loans.
Customers
also have access to flexible, convenient options delivered with exceptional
customer service, including Check Cashing, Business Loans, Prepaid Debit Cards,
Western Union Convenience Pay and Wire Fund Transfer, Western Union Money
Orders, and Bill Pay Services.
Cash Central
Areas Served: US
Loan Amount: From
$100 to $2,000.
Cash
Central is a licensed online lender serving the financial needs of online
customers. Cash Central offers to lend on the internet with reliable, secure,
and user-friendly lending philosophies.
Your
transaction with Cash Central will be handled with outstanding personal
service, a simple process, integrity, and privacy. If you are already a
customer, you can log in to your account and request a loan today. If you are
not and would like to be considered, applying only takes a few minutes.
Speedy Cash
Areas Served: Nevada,
Oregon and Washington,Loan Amount: From
$200 to $1,500.
Since
1997, Speedy Cash has been the friendly face of short-term lending. The company
is licensed to operate in multiple states across the US, offering short-term
cash loans online, over the phone, and in its stores. It operates in Nevada,
Oregon, and Washington under the name of Rapid Cash.
Speedy
Cash strives for a personal connection with its customers. The company has
built its business by making sure it take care of customers and their financial
needs.
Advance America Cash Advance
Areas Served: Alabama,
California, Colorado, Delaware, Florida, Idaho, Illinois, Indiana, Iowa,
Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada,
Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia,
Washington, Wisconsin, and Wyoming.Loan Amount: Max
payday loans range from $100 to $1,100. Max title loans range from $300 to
$10,000.
Since
1997, Advance America has helped Americans with a variety of personalized
financial solutions, including Payday Loans, Installment Loans, Title Loans,
and Personal Lines of Credit. Advance America is a nationally recognized, fully
licensed financial company with over 2,000 locations nationwide and online
lending services. As a founding member of the Community Financial Services
Association, Advance America believes customers deserve clear, understandable
loan terms, and therefore encourage fair and fully disclosed lending practices.
MyCashNow
Areas Served: USALoan Amount: Up
to $1,000.
MyCashNow
is a lending network, not a lender. Fill out the short application and the
company will identify lenders that can provide you with a short-term cash loan.
MyCashNow will attempt to match you with a lender most likely to provide you
the cash you need.
If
you are matched with a lender, then the lender will contact you to complete the
process, review the terms of your loan, and discuss repayment and extension
options. The money will be electronically deposited into your bank account.
When the loan is due, your cash advance fees are automatically deducted from
your bank account by the lender.
Amscot Financial
Areas Served: Florida.
Loan Amount: Up
to $500.
Amscot
Financial is an American financial services company headquartered in Tampa,
Florida. Founded in 1989 by Ian MacKechnie, the company provides nonbank
consumer financial services through a network of retail branches located
exclusively in Florida. Amscot Financial 's core services include check
cashing, bill payment, prepaid access cards, short-term cash advances, free
money orders, ATMs in every branch, wire transfers, notary services, fax
services, and postage. It operates nearly 240 branch locations in the Tampa
Bay, Orlando, and Miami media markets.
EZPayDayCash.com
Areas Served: USA.
Loan Amount: Up
to $1,000.
EZPaydayCash
is a payday loan direct lender that provides people with online payday loans
during emergencies.
Its
online loan process is hassle-free and does not involve paperwork, collateral,
perfect credit score, and brokers. To approve you for a no fax personal loan
fast, the company does not run credit checks.
EZPaydayCash
is a guaranteed payday loan direct lender. It does not share your online
application details with lead generators, third-party service providers, or
brokers. Therefore, it is safer, quicker, and easier to work with a single
lending source for your payday loan online needs than with multiple funding
sources.
Check City
Areas served: Alabama,
Alaska, California, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, North
Dakota, Texas, Utah, Washington, Wisconsin, and Wyoming.
Loan Amount: Up
to $2,500.
Check
City does not usually utilize traditional credit checks as part of the payday
loan approval process. However, Check City may, at its discretion, verify
application information by using national consumer loan underwriting databases
that may include information relating to previous cash advance transactions
that Check City may take into consideration in the approval process.
Products
or services offered to customers may vary based on customer eligibility and
applicable state or federal law.
Some
customers applying for payday loans or installment loans may be required to
submit additional documentation due to state law and qualification criteria.
Fig Loans
Areas served: Texas,
Missouri, and Illinois.
Loan Amount: From
$300 to $500.
Founded
in 2015 in Houston, Texas, Fig Loans began as a collaboration between Fig and
United Way THRIVE to create better, more affordable loan products for
low-income Americans with bad credit. Fig Loans offers loans ranging from $300
to $500 that are repaid over four installments and set up on a schedule that
fits the borrower's needs and budget. Fig Loans will work with its customers to
adjust payment dates if necessary.
OppLoans
Areas served: Alaska,
Arizona, California, District of Columbia, Florida, Hawaii, Indiana, Kentucky,
Maine, Michigan, Minnesota, Montana, North Dakota, Nebraska, Oklahoma, Oregon,
Rhode Island, South Dakota, Washington, and Wyoming.
Loan Amount: Depends
on the state.
OppLoans
is a Chicago-based lender that specializes in offering personal loans to
consumers. Founded in 2009, OppLoans is well respected by customers and the
lending industry alike. The company has an experienced leadership team and
strives to make the lending process as simple as possible for its customers.
NetCredit
Areas served: Alaska,
California, Delaware, Georgia, Idaho, Illinois, Missouri, North Dakota, New
Mexico, South Carolina, South Dakota, Utah, Virginia, and Wisconsin.Loan Amount: From
$1,000 to $10,000.
NetCredit
is an online financial services provider located in Chicago. It is a subsidiary
of Enova International, Inc., an NYSE listed company (ENVA), which gives the
expertise and resources to realize its vision and enhance its product
offerings. Within the NetCredit offices, the company is actually a small,
focused, and personal team: its developers, analysts, customer support
specialists, and other team members are extremely dedicated to making NetCredit
the best solution for its customers.
Blue Trust Loans
Areas served: Florida,
Michigan, Missouri, Ohio, Tennessee, and Texas.Loan Amount: Up
to $2,000.
Blue
Trust states that it is a better alternative to the payday loan. The moment you
arrive on the website, you see an offer to apply for a loan of up to $2,000
that will be deposited into your bank account as soon as the next day. All you
have to do is fill out the loan application and speak to a customer service
representative.
The
representative will verify that you are applying for the loan and ask some
qualifying questions, such as who you are and your income. Once this process is
complete, a full application is sent by email. You must complete this
application and send it back with supporting identification and income
documentation.
King of Kash
Areas served: Alabama,
Delaware, Illinois, Kansas, Mississippi, Missouri, New Mexico, Tennessee,
Texas, Utah, and Wisconsin.
Loan Amount: Up
to $3,000.
King
of Kash has been providing personal loans for almost 40 years and is one of the
fastest growing money lenders. It helps customers meet their financial obligations
with fast, low-cost signature loans that do not require a traditional credit
check and collateral down.
King
of Kash's hassle-free personal installment loan approval process has been
streamlined so you can get the money you need when you need it and not have to
wait days. Its bad credit loan approval process does not require you to put
down any collateral to qualify and bases your approval on your ability to repay
the loan on time.
OneClickCash
Areas served: US.Loan Amount: Depends
on the state.
OneClickCash
provides fast and convenient loans to people in need every day. With its quick
and easy application and approval process, it can provide you with the funds
you need typically within 24 hours.
To
qualify for a loan, you must:
● Be
at least 18 years of age
● Provide
two personal references
● Have
an active checking account
● Have
been employed for at least one month
CashOne
Areas served: US.Loan Amount: Depends
on the state.
CashOne
helps you find a lender who has agreed you are qualified based on your loan
request. Lender criteria vary from one lender to the next and may vary over
time with any specific lender.
CashOne
service never charges any upfront fees for a loan. They connect lenders to its
consumers who are looking for payday loans, emergency loans, or installment
loans
Mypaydayloan.com
Areas served: Alabama,
Alaska, California, Colorado, Delaware, Hawaii, Idaho, Illinois, Indiana, Iowa,
Louisiana, Michigan, Minnesota, Mississippi, Nevada, New Mexico, North Dakota,
Oklahoma, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Wyoming,
and Wisconsin.Loan Amount: Depends
on the state.
Mypaydayloan.com
is a direct lender that walks you through the entire application process with
no third-party agencies involved. This means that, from beginning to end, you
only have to deal with Mypaydayloan.com when getting small cash advance loans.
It lends its own money to customers—not money from any third-party agencies or
banks. This streamlines the lending process and allows you to get your money
more quickly.
Citrus North
Areas served: US.Loan Amount: From
$100 to $1,000.
Citrus
North assists you with legitimate loans. Its direct lenders are on standby for
you—no matter what, it gives you a bad credit loan with guaranteed approval.
Citrus
North has all types of loans for short and medium term. Bad credit is welcomed
as the company is not a bank, but you will need to undergo some basic credit
check. You fill out a short form online and get approved. Upon approval, the
money is available to you by the next day.
Choosing
the best online payday loans lender is a crucial point. But I hope this list of
best payday loan sites will help you find the right company that fits all your
needs.
