Though regulated at the state and federal level, there are still payday lenders that attempt to skirt the rules. Some are online-only lenders based in other countries. Other lenders work around state laws by operating out of Native American reservations. Be wary of brokers that offer to connect you with lending partners – this can result in a lot of calls and emails about offers. 

We stuck with direct lenders who comply with state laws. A good way to tell if a lender follows the rules is if its website asks what state you live in before giving you a quote. If a lender says all loans have the same fee no matter where you live, that’s a tipoff you may be dealing with a less-reputable lender you should avoid. We didn’t include any of those lenders on our lineup.
You will know you are approved for a loan once you receive an email stating so. Email is also how the underwriting department will communicate with you. You should pay close attention to all emails that you receive from Mypaydayloan.com and should read through them carefully and fully. Due to the application process being exclusively online, you must pass the verification process. This process could potentially mean applicants need to submit additional documentation.
By clicking 'Get Started Now', I affirm that I have read, understand, and agree to the Disclaimer, Privacy Policy and Terms of Use. My click is my electronic signature, and I authorize you to share my information with lenders and partners that might use SMS messaging, auto-dialers or prerecorded telemarketing messages to call or text me on my mobile phone or landline. I understand that consent is not required to obtain a loan. I further understand that I have no obligation to accept a loan once I am connected with an available lender and that not all applicants will be approved for a loan. I further understand that the operator of this website is not a lender, loan broker, or agent for any lender or loan broker and does not make credit or loan decisions.
Legal Disclaimer: The owner/operator of this site is not a lender or an agent, broker, or representative of any lender. This website offers a free service that attempts to connect consumers with lenders who may have loans for them. Loans are not available in all states, and approval is not guaranteed. Loan amounts, rates, and terms will vary depending on each lender and consumer qualifications. Lenders may conduct credit checks that could affect your credit score.
For rates and terms in your state of residence, please visit our Rates and Terms page. As a member of CFSA, Check Into Cash abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts. Delinquent accounts may be turned over to a third party collection agency which may adversely affect your credit score. Non-sufficient funds and late fees may apply. Automatic renewals are not available. Renewing a loan will result in additional finance charges and fees.
NOTICE: This disclosure is being provided to you pursuant to our terms of service with Google®, Inc. It is not required by any federal, state or local law. Our lenders may offer you a loan with an APR between 20% and 300%. The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range noted above. This is an expensive form of credit. A short term loan should be used for short term financial needs only, not as a long term financial solution. Customers with credit difficulties should seek credit counseling or meet with a nonprofit financial counseling service in their community. You are encouraged to consult your state’s consumer information pages to learn more about the risks involved with cash advances. State laws and regulations may be applicable to your payday loan. If you do not pay your loan according to its terms, your lender may: charge you late fees, send your account to a collection agency, report your information to a consumer reporting agency which may negatively affect your credit score, offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest. We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment.

Depending on the state you live in, you may be able to obtain an installment loan or a line of credit. Snappy Payday Loans specializes in arranging payday loans online. However we also understand your need for more flexible payment terms than a traditional online payday advance. That's why we also arrange for installment loans and lines of credit with trusted lenders. You can borrow more and get more payment terms too! See our cash advance page for more details!
However, there are ways these loans can affect your credit, especially if you can’t keep up with your payments. Part of getting a payday loan involves leaving a post-dated check, or giving the lender access to your checking account if you apply online. When the loan comes due, the lender deposits the check or withdraws what you owe. If you don’t have enough in your account to cover the amount you owe, you could bounce a check or overdraw your account.
To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. In the United States, the rates of these loans used to be restricted in most states by the Uniform Small Loan Laws (USLL),[4][5] with 36–40% APR generally the norm.
If you are unable to pay your loan when it is due, Moneytree offers a payment plan for payday loans only. You must request a payment plan before the deposit time on the day your loan is due to restructure the payment terms to at least four (4) substantially equal payments. You may choose this option once per 12-month period. There is no charge to enter into the payment plan. 

Since the first store opened, it has been the goal of SuperPawn to offer a needed service at a fair price in comfortable surroundings. Its parent company Cash America strives to be not just profitable, but a good community citizen as well. SuperPawn stores are actively involved in a wide variety of charitable endeavors. The pawn industry is highly regulated, and all pawned items are fully insured. Stores are audited on a regular basis. SuperPawn values its relationships with local and national law enforcement agencies and cooperates with them as needed. The SuperPawn brand has grown and prospered because it respects its borrowers and treats them fairly and courteously. You can borrow and or/shop with confidence at a SuperPawn store.
Before you apply, ensure that you won’t have any problems in repaying the loan. If you think you might have trouble, don’t take out the loan. Late or missed payments come with increased fees, charges and interest rates on top of negatively impacting your credit. Always work the repayment schedule into your budget, and the best loans will remain the best.
When considering a pay day loan, make sure you only get loans when you really need them (not just to purchase non-essentials), that you will be able to repay the loan when it comes due (this is where some people get into trouble), and that you have selected a reputable, reliable, and fair payday loans company. To help with this last step, below is a list of the top ten payday loans providers.
Payday loans are meant to give you access to money short term, until you get your next paycheck. Reasons for getting a payday loan range from unexpected expenses to working irregular hours at your job. But more often than you’d think, these loans don’t get paid off after two weeks and need to be rolled over into another loan. If you can, avoid doing this – it can result in you being stuck in a cycle of debt, and you’ll end up paying much more in fees than the amount you borrowed.
If your employer works with any of these companies, it’s a good option to take advantage of their services since they are less expensive in the long term than a payday loan. Still, if you find yourself taking advantage of these services regularly or your employer doesn’t offer them, you may want to look at your finances, make a budget or look for additional ways to earn income.
The APR associated with your loan stands for the annual percentage rate, or the amount of interest you will be expected to pay in relation to the length of your loan term. Most of the time, the APR for short term loans ranges from 260.71% to 1825.00%, though this can vary somewhat. Although the APR associated with short term loans is higher than that associated with other forms of credit, it is still considerably less than the charges associated with overdrafts and nonsufficient funds. Please see below for a cost comparison.
PayActiv is one such company, and it has partnered with a variety of employers, including Walmart. It integrates with the employer’s payroll, and employees can withdraw money directly into their checking accounts for a $5 fee. Earnin, which used to be known as Activehours, is a similar program. If your employer uses it, you can withdraw between $100 and $500 per pay period. There are no fees for using Earnin, but there is an option to tip.
Texas loans are arranged by Cash Central of Texas, LLC, 16283-59168, a licensed Credit Access Business (CAB). CAB is not a lender. Loans are provided by unaffiliated third-party lender First Financial Loan Company, LLC pursuant to the Texas Finance Code, Chapter 393. Cash Central of Texas, LLC is regulated by the Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207.

*A Trusted Partner designation denotes a listing whose rank has been determined by our staff. Typically, TheTopTens receives compensation for these placements in the form of commissions on sales or leads generated through this site. Because our compensation is tied to consumer behavior, we are incentivized to promote the companies and products people are more likely to respond favorably toward.


Payday loans are meant to give you access to money short term, until you get your next paycheck. Reasons for getting a payday loan range from unexpected expenses to working irregular hours at your job. But more often than you’d think, these loans don’t get paid off after two weeks and need to be rolled over into another loan. If you can, avoid doing this – it can result in you being stuck in a cycle of debt, and you’ll end up paying much more in fees than the amount you borrowed.
You typically face an emergency situation when you seek out short-term loans, so find out the payday lender's response time for support issues. Delayed replies make it harder to get the money you need in time. ##Clear borrowing terms## Are you forced to investigate the fine print to discover all relevant loan terms? The best companies that offer payday loans give you an easily-understood contract. You know exactly how much you'll pay, your payment due dates and other relevant information.

In many cases, borrowers write a post-dated check (check with a future date) to the lender; if the borrowers don't have enough money in their account by the check's date, their check will bounce. In Texas, payday lenders are prohibited from suing a borrower for theft if the check is post-dated. One payday lender in the state instead gets their customers to write checks dated for the day the loan is given. Customers borrow money because they don't have any, so the lender accepts the check knowing that it would bounce on the check's date. If the borrower fails to pay on the due date, the lender sues the borrower for writing a hot check.[33]


Some payday loan companies gather your personal information and then shop around for a lender. That means your information could go out to third parties as part of the lending process. Other companies will even sell contact information, leaving you dealing with sales calls and spam emails. LendUp protects customer information and will never sell it.
This reinforces the findings of the U.S. Federal Deposit Insurance Corporation (FDIC) study from 2011 which found black and Hispanic families, recent immigrants, and single parents were more likely to use payday loans. In addition, their reasons for using these products were not as suggested by the payday industry for one time expenses, but to meet normal recurring obligations.[15]

1. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a loan or for the maximum loan amount. Terms and conditions apply. Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling.​ ACE Cash Express, Inc. is licensed by the Department of Business Oversight pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Loans in Minnesota made by ACE Minnesota Corp. Loans in Ohio arranged by FSH Credit Services LLC d/b/a ACE Cash Express, CS.900100.000, and made by, and subject to the approval of, an unaffiliated third party lender. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc. is licensed by the Virginia State Corporation Commission, PL-115.
Depending on the state you live in, you may be able to obtain an installment loan or a line of credit. Snappy Payday Loans specializes in arranging payday loans online. However we also understand your need for more flexible payment terms than a traditional online payday advance. That's why we also arrange for installment loans and lines of credit with trusted lenders. You can borrow more and get more payment terms too! See our cash advance page for more details!

2. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.
Some payday loan companies gather your personal information and then shop around for a lender. That means your information could go out to third parties as part of the lending process. Other companies will even sell contact information, leaving you dealing with sales calls and spam emails. LendUp protects customer information and will never sell it.
States have varying regulations in place to protect consumers when it comes to short-term loans. Payday loans are illegal in some state, while other states regulate or restrict them. Lenders, online or otherwise, must comply with these regulations when they consider you for a loan, so the state you live in will play a part in whether you are eligible.
You’ll sign an ACH authorization to give the payday lender permission to withdraw the repayment amount from your checking or savings account. Unless the lender allows you make repayments by check, you will need to sign this authorization. Before you sign the authorization, make sure you know how much will be debited and on what dates, whether this amount will repay your loan or simply renew it, and also how to revoke the authorization (federal law requires lenders to state this).
×