Your Source To Smarter Living Payday Loan
Payday Loan is equipped to meet all your needs when it comes to procuring cash between paydays. We understand what you go through when you need cash and we are here to help.
Payday Loan
By: Cordell Fullenwider
Consumer Trend Investigator | Your Daily Finance
Payday Loan
Payday Loan Real cash for real people in need is exactly what we offer at Cash Advance Loans. Tough economic times mean that most of us are short on cash at some time or another, whether this is due to an unforeseen circumstance or just rising prices. Whether you need cash for groceries, an unexpected repair, medications and medical bills, or any other reason we can offer assistance at Cash Advance Loans, no matter what your credit score is. We scour the best cash advance lenders, so that you get the benefit of approval and cash in hand to meet your financial needs.
We work hard to help you find the very best loan for your exact situation to help you get the money that you need at very reasonable rates that depend on the loan amount and the state.

Instant Payday Loan When you require money as soon as possible, and payday seems a world away, an Instant Payday loan may be what you need. Instant Payday Loans can be done through online loan services that will review your criteria quickly, and contact you via e-mail or by telephone to complete the loan process. For those that become eligible for an Instant Payday Loan, your money should be deposited into your checking account that day, and you should have access to your money the next business day. For an additional fee, many Payday Loan companies may wire the money you are borrowing to your personal bank. If this is the case, make sure you know your bank's policies regarding receiving a wire transaction. The fees for doing so may be higher than you expect to pay. Instant Payday loan amounts One advantage of obtaining an Instant Payday loan is that there are many amounts you can opt for. Most lenders offer amounts between $100 and $1,500. The amount you receive will depend on how much you make in your current employment, and other requirements the loan company will have. When will the money be in my checking account? You can expect most Instant Payday loan companies to have the money you borrow in your account within 24 hours, usually on the following business day. If you require the money sooner than that, many lending companies may offer to wire transfer your money into your checking account so you can get it within hours. Be sure to check into all the fees, as this can become a very expensive procedure. Not only will you be charged the original lending fee, you will also incur a wire transfer fee from the loan company, and possibly a fee from your bank for receiving the wire money transfer. If you have a money emergency, however, the higher fee could be worth paying. Will the Instant Payday lender run a credit check? This is one huge advantage that causes many people to turn to an Instant Payday company. Very few lenders will run a credit check on the individual borrowing the money. As long as you meet their other requirements, it should be simple to obtain an Instant Payday loan. Requirements include being 18 years of age and older, having a job, a checking account, proof of income, a government-issued ID, and a certain amount of money per month in income. When will an Instant Payday loan need to be paid off? The timeframe for paying an Instant Payday loan may vary, but it is generally 14 days. An Instant Payday loan is technically an advance on your upcoming paycheck. Some companies allow 14, 21, or 28 days. After the time is up, you are required to pay the loan amount and the fee in full. If this is not possible, many lending companies will agree to take the fee only as a payment and extend your loan into a new time period. Check with your lender, as many will automatically do this. You will then incur new lending fees until your whole loan is paid off and taken directly from your account. Who can get an Instant Payday Loan? Most people who meet the minimum requirements are eligible for an Instant Payday loan. Since receiving this type of loan is fast and relatively easy, many people will try to get an instant loan when they are in need of quick cash. When the guarantee of a very quick payment is offered, the higher fee does not present a problem for many individuals. When an emergency arises and you are out of cash, an Instant Payday loan may be the right solution. Instant Payday Loan Interest Rates When you receive an Instant Payday loan, you repay the company with a financial fee instead of the typical interest rate that a bank may use. Different companies offer various financial fees, so it is always best to shop around for the best lender to fit your specific needs. The fees are for a specific time limit, which is usually 14 days. However, depending on the needs of the individual lender, this time limit may be extended. One basic rule of thumb is this: The longer you borrow money, the higher the fee will be. When the time period ends and the loan rolls over, a new fee is incurred. Fees become high when looked at as an APR - if you borrow $100, and the fee is $15, your APR will equal 391.07%. Restrictions for Instant Payday Loans Another reason to consider an Instant Payday loan is that there is no restriction, in most cases, on how you plan to use the money. Multiple Instant Payday Loans Many borrowers wonder if it is possible to have multiple loans through the same company. It is entirely up to the lender whether they want to provide more than one Payday Loan to the same individual at any given time. Many companies will permit it, while others may not. Check with the company to understand their policy on multiple Payday Loans. Payday Loan – or so called pay day loans - have taken SA by storm with 1000 to easily accessible Payday Loan to cover excess Christmas expenditure. But are Payday Loan worth it? Instant Cash LoanWith the growing numbers of payday loans providers offering quick and Payday Loan in as little as 10 minutes, it becomes really tempting to apply for a quick payday loan if we’re suddenly hit with unexpected expenses. And whilst there’s a variety of options available for instant cash – see our top pay day loan provider comparison for an example – it must be made clear that Payday Loan are one of the most expensive types of debt available! Having said that however, there are a certain instances where it might make sense…. Are Payday Loan Ever Worth It? The straight forward answer is Yes and No! Whilst Payday Loan should never be used to fund casual or excessive spending, they can be useful if you need to fund a purchase right now that would otherwise attract more fees or penalties (think about late payment penalties on bills or licences). The additional costs and potentially much more damaging impacts on your credit rating, will make the costs of using a payday loan company worth it. So as with all loans, you should only go for an instant cash loan if it is the cheapest way to borrow, given your current circumstances! What To Look Out For With Payday Loan This might sound like a bit of a cliche, but make sure you understand the fine print of any agreement your getting into. Most of the online payday loan providers make it really easy to get instant cash transferred into your bank account – but make sure you don’t get fooled by the ease of use and friendly tone – like all loan agreements, these do come with some very hefty clauses and stipulations. You need to make absolutely sure you understand how the repayments are structured. Most payday loan companies charge an initial initiation fee plus the daily interest payment – whilst it might sound cheap when calculated on a daily basis, make sure you understand the rate of interest when compared against your typical rate of borrowing (i.e. around 30% of your credit card for example). Most payday loan providers charge far in excess of this rate. Also make sure that you select the repayment date with caution – you need to absolutely make sure that the funds are available in your account on the day that you selected as your repayment date! Are There Alternatives To Payday Loan Since Payday Loan often come with very high fees and interest rate charges (even though it might not like this at first) it makes sense to use these as avenues of last resort. If you find yourself in a tight spot, it is definitely worth asking your bank or to extend your line of creditor or, even though you might find it humiliating, see whether your friends or families might be able to provide the loan at a cheaper rate. The one rule you should follow is to never borrow more than you know you can repay and never ever use one instant cash loan to pay off another loan – rather seek debt counseling or debt consolidation advice before falling into the debt trap.

Payday loans provide a much-needed service to millions of people. There are many times when short-term debts outrun the ability to pay. In times like this, a payday loan (a loan against a future paycheck) can provide the cash necessary to meet those needs.

The advantages of payday loans are many. Often they don't require a credit check; so the loan, and your repayment, never show up on your credit history. The best payday loans offer amounts that can range from a few hundred dollars to $1,000 (and sometimes more). And you receive your loan very quickly, usually within 24 hours.

Payday loans typically charge service fees that are greater than traditional loans. These service fees can range from $10 to $30 per $100 loaned, and sometimes even more. Many states have regulations stipulating the amount of service fees that can be charged. Obviously, the best payday loans are meant to address quick cash needs, and should not be used as a long-term solution.
Still, in order to meet short-term obligations, payday loans can provide a fast and easy solution. When evaluating different payday loans, there are certain factors you want to consider. Some of these include:

  • Loan Amount.  How much money do you need? A variety of loan amounts are offered by different lenders.
  • Service Fees.  Look for companies that state their fees up front or guarantee lowest fees.
  • Convenience.  Can your application be processed entirely online, or will you need to fax in documents? How quick will the money be deposited to you?

This reviewed and ranked the best payday loans available today. We hope these reviews help you meet your short-term financial needs!


"2013 Payday Loan List"


imazcash Payday provides an easy, no-hassle application process with flexibility to receive your payday loan direct to your bank account within 24 hours. The website is upfront with the terms of each loan, depending on the size, your location, and the length of time. Read More... Visit

100 Day Loans

100 Day Loans is a payday loan service designed around getting money to the customer as quickly as possible. At just over three months, 100 day loans has the longest terms of any of the best payday loan services we reviewed.Read More...Visit

The Smart Credit Solution

The Smart Credit Solution is the largest owner and operator of check cashing stores in the United States. With a very good payday loan website, they bring their reliable history of payday loans to the internet. We just wish they offered online payday loans to more states Read More...Visit

Captain Cash USA

Captain Cash USA you can get a loan in as little as three steps. The first step consists of filling out an application with information about yourself, your current employment and where you want them to send your cash Read More...Visit


e-Holiday you will see that they advertise that you will receive your payday loan in three easy steps. First, you have to fill out an application, which is split into three different sections Read More...Visit

4 Star Finance

4 Star Finance is an online payday loan service that offers its clients short-term cash loans with some of the most competitive rates of any of the best services we reviewed Read More...Visit

Click N Loan

Click N Loan is a payday loan service that prides itself on being professional, quick and courteous. For every $100 you borrow This rate is a bit higher than we generally like to see in our review of the best payday loans. However,Read More...Visit

Cash Mojo

Cash Mojo that you can get a loan in as little as three steps. The first step consists of filling out an application with information about yourself, your current employment and where you want them to send your cash. Once you finish the application.Read More...Visit

First Choice Capital

First Choice Capital If you find yourself in need of a payday loan, consider SonicCash. This service has great site security and posts all their APR information right on their website. Read More...Visit

Springleaf Installment Loan

Springleaf Installment Loan The most refreshing is the fact that this payday loan service discloses almost everything you need to know before you even start to fill out an application. Fees, rates and states of service are all made clear up front. Not many other payday loan services provide this information during the beginning steps.Read More...Visit

Why Use an Online Payday Loan Service?

Finding yourself short on cash is a terrifying situation, especially when bills are due. No matter how you find yourself in this situation, short-term options are available to help you make it to your next paycheck. One such option is obtaining a cash advance from a payday loan service.

It's particularly important to find a payday loan service that is trustworthy, scrupulous and has a good reputation for treating its customers with respect. Unfortunately, some scurrilous business people have given this industry a bad reputation. That doesn't mean you shouldn't avail yourself of fast and easy payday loans, but you must use extreme caution.

Here are a few other reasons people apply for payday loans online:

  • Save Time – Instead of searching the yellow pages or driving around town, you can spend fewer than 10 minutes to find a lender for a payday loan online. Some services even work with many providers and can refer you to one that is licensed to operate in your state.
  • Save Money – Sometimes bank charges, over-the-limit fees or late fees can add up to more than it would cost you to take out a payday cash loan to pay your bills on time. Additionally, reactivation charges can be costly if your cell phone, utilities or other services are turned off.
  • Save Your Credit – If you are trying to buy a house or fix your credit problems, you may not want to add new bad marks to your credit record by not paying a bill or paying it late.
  • Save Face – Nobody likes to ask friends, family or an employer for a loan. Nor do you want to ruin a business relationship with a bounced check. Through a payday service, you can pay your bills without adding pressure to your personal relationships.

All of the best payday loan services we reviewed are respectable, honest institutions that provide a legitimate service to those who need a few extra dollars to make it through a rough patch. In this site, you'll find articles with payday loans advice and money tips, as well as comprehensive reviews and a side-by-side comparison to help you make an informed decision on which service is right for your short-term loan needs. We found that the best options for online payday loan lenders

Payday Loan



Read Responses For This Article
("Payday Loan" )
Payday Loan
Ardith Saito
@ 9:37am

Great tips thanks for sharing :), good work (,,)

Payday Loan
@ 10:42am

Sometimes people need to take these loans out, but as you suggest advance researched is needed as you know what you are paying for: a loan with super high interest!

Payday Loan
@ 1:07pm
This way of easy money can be a trap to some people, as most would be wanting it just as a get me by loan, and te interest rates are never the same, here in aussie land they charge you high rates and many find it too hard to repay, the loans people just don't care as long as they get their money back some how, they can come and take from you to get the money. They are all loan sharks.

Payday Loan
@ 9:32pm
Gonna get i tomorrow...

Payday Loan
Lucrecia Boltinghouse
@ 9:45am
i spoke with a chat representative as i was worried about a missed payment on my account and she put me at ease, i spoke with [name removed] and she was really helpful, she explained id have no balifs as that is what i was worried about and she just explained how i can check my loan statuses online and that there number is a free phone from a landline, this helped alot with my anxiety and would deffanatly reccommend quickquid to a friend. she then told me that they are open from 8.30 am untill 10.30pm so someone is there to talk to to through out most of the day. she was very understanding and gave good advice. i was worrying so much that my account was in default and when she said that we are here to help it took a huge weight off my shoulders so thankyou very much for that and i will deffantly 100% tell a friend about quickquid as you have been a great help with money lending and very sympethetic when i lost my job!! :)

Payday Loan
Zelma Rosenbeck
@ 2:19pm
I needed money fast so you guys help me out tons thanks a lot for the loan you made my day and if one of my friends needed money fast quick and easy I would defiantly recommend this site cause like I said it was fast and easy

Payday Loan
Jude Henzler
@ 6:18pm
Simple process!!! No forms to fax back or email. Everything was done online. Friendly Representative on the phone. Very satisfied! I received my loan the very next day. I am a very happy customer and I would recommend Quicker Cash to any of my family and friends to try out ween they are in need of a loan or extra cash!!!

Payday Loan
Normand Hillhouse
@ 11:03am
Worked very quickly to get my loan!!

Payday Loan
Jeffry Segalla
@ 2:33pm
Very easy to use and you get your results very quickly.

Payday Loan
Demetrice Dorrance
@ 4:58pm
Need extra cash! They are a big help, the online application is totally easy and you get a response fast! I would recommend them to all my friends. When you need cash ASAP these are the people to use!

Payday Loan
Ellan Milette
@ 9:28pm
Need cash fast these are the people to see!
The application was fast and I revived a respond fast. Now to get the money in my account! When I a bind this is the best place to go to.

Payday Loan
Marla Kratzer
@ 10:48am
At first glance I was skeptical. although I must say The whole process was etremely cear and easy to follow. I have bad credit and needed cash now. I was able to get half of what I needed so I am thankful. I will use again in the future. I would have liked if the who'd process didn't feel like Imwas justnsettingmyself up to receive mounting amounts of spam emai, but that's how all loan sites work. A lot of sponsors and affiliates I wish I could have received more. I will say though that if it came down to it their systemprobblyunderstands my total financial situation better and the amount I got is much more manageable to repay. Thanks

Payday Loan
Francis Reisig
@ 11:08am
I filled out all my necessary information, I got a reply within 5 minutes, completed the request, it told me when to pay back how much, I signed it digitally, and BAM there it was. So simple. There was also a direct, toll-free number, if I so wish to call a representative, to apply for the loan with a real person. In my case I didn't have to since it was done so quickly and easily. There's even an option to receive a text message when the funds get deposited in your account! So you don't even have to go to your bank and check periodically to see if you got the money yet. The second you get it, you will get a text message DIRECTLY to your phone letting you know your funds have arrived. I will definitely recommend this.

Payday Loan
Patrick Sedivy
@ 12:18pm
I just started 6 weeks ago and I've gotten 2 check for a total of $2,200...this is the best decision I made in a long time! "Thank you for giving me this extraordinary opportunity to make extra money from home. This extra cash has changed my life in so many ways, thank you!"

Payday Loan
Peter Abruzzo
@ 3:15pm
This was a quick and easy process. I would definitely use again!

Payday Loan
Jarvis Calliste
@ 4:08pm
This loan was the means to a money problem 

My husband and I had planned a trip which I had saved the money.

My daugther had a shutoff notice and if you have children and one of them really need your help you will do the same.

To keep her and my grandbabies warm I paid the bill.
I did this because she is a hard working mom and she wouldn't ask if there was any other way.

Everyone sometime in life may need help and loving her the way I do I did what any mother would do

So from my husband and me thank you. 

Well the trip is Saturday

with no credit cards and knowone to burrow from I got on google for help and was sent to your web

Payday Loan
@ 10:27am

There are are really quick and to the point! They get me the money I need right when I need it. Thank you

Payday Loan
Jorge Knepp
@ 11:51am

Had never applied for a loan that was so easy with no lengthy forms to fill or rude people calling me to verify info. Friendly and to the point,. I love it and if needed I will for sure use this service again!

Payday Loan
Israel Rafey
@ 5:07pm

Everything was really easy to understand, out in the open, no hidden fees or anything like that. Everyone has times when they need a little extra help and Quiker Cash got me taken care of within 15 minutes! I will have the money in my account tomorrow and I'll be able to have gas money until I get paid! Thanks a ton!!

Payday Loan
Phillip Foraker
@ 8:12pm

Although I didn't get the $1,000 maximum they said they could get, the process was very quick with limited information required. Of course they want personal information, but it only took two screens. Click send and just a few minutes later I had an offer for $500. They are not a direct lending source though, just a front for the actual cash lenders.

The website was very straightforward and easy to understand. I think it is probably difficult to get the maximum amount of money the first time you apply, but of course they don't tell you that.

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