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Top Ten Best Payday Loan Services

This article covers the 10 Best Payday Loan Services.

Payday loan services offer short-term loans with the guarantee that you’ll repay when you get paid next. Although these loans often have high service fees or interest rates, they can be lifesavers when an emergency comes up. If you need to use a payday loan, it’s important to pick a reputable provider; that way, you can borrow with confidence and rest assured that your payments will be processed safely. Since the quality of your loan provider can have a big effect on your future finances, we’ve gathered a few options to help you choose. Be sure to research each one carefully to make sure that they’re the right fit for your situation.

1. Ace Cash Express

Ace Cash Express Payday Loans

Ace Cash Express is one of the best payday loan services, provided that you live in California, Florida, Idaho, Kansas, Louisiana, Minnesota, Ohio, or Texas. You can apply online and receive a decision in minutes; alternatively, you can call the company and apply over the phone. All you need is your social security number, bank numbers, and proof of income. If you’re approved for a loan, you can get it immediately at a branch location or by overnight deposit. Be sure to take note of any fees that come along with your loan.

2. Cash Central

Cash Central Payday Loans

Cash Central offers short-term loans that are designed to get you from one paycheck to the next when an emergency arises. The application is online, so you can find out if you’re approved for a loan quickly. Loan amounts and rates for this service vary based on the state you live in. In Wisconsin, for example, you can get a payday loan for up to $800 with a repayment period of up to 35 days; this loan comes with a finance charge of $216. Your exact rates may vary. The trick to this loan? Repay it on time to avoid expensive late fees.

3. Checkngo

ChecknGo Payday Loans

Checkngo offers fast, efficient loans — you can apply in five minutes, get approved quickly, and get the money as soon as the next day. The company requires you to provide proof of income from your job, bank account numbers, and an ID. We love that they disclose all fees up front, so you don’t have to worry about hidden costs. You can apply in person or online; if you opt for the online option, you’ll need to repay the loan with a pre-authorized electronic withdrawal from your checking account. Keep in mind that this service is only available if you live in California, Florida, Illinois, Michigan, Ohio, or Texas.

4. Lend Up

LendUp Payday Loans

If you need a small short-term loan, Lend Up is an affordable payday loan service. This company offers payday loans with small fees, so it’s a budget-friendly alternatively to may other options. If you borrow $250, for example, your finance charge could be as low as $44. Plus, you’ll get an instant decision when you apply, so there’s no need to wait around to get approved. The company doesn’t require you to have good credit, but it does reward repeat customers with better terms and lower fees.

5. Check City

Check City Payday Loans

One of the most well-known payday lending services, Check City comes with a strong reputation. This company gives cash advances in advance of your next paycheck, so you can cover unexpected expenses without bouncing checks. Usually, your loan comes due on your next payday. With Check City, you can apply in person or online. Need money right away? You’ll need to apply in store but if you apply online, you can get your money the next day.


Rise Payday Loans

RISE is one of the newer top rated payday loan services on the market. It’s designed to fix some of the common problems with short-term lending — namely, inflexible repayment options and high-interest rates for repeat borrowers. With RISE, payment terms are flexible, allowing you to pay at more convenient times. Plus, if you pay on time, you can get better rates in the future. Decide that you don’t need a loan after all? If you pay back the full principal amount within five days, you won’t pay any fees.

7. Speedy Cash

Speedy Cash Payday Loans

Speedy Cash allows you to apply for a short-term loan online, in-store, or over the phone, so it’s accessible for a wide range of customers. The company provides loans up to $1,500, as long as you provide evidence of income and an ID. When you’re approved for a loan, you can get the money deposited into your checking account quickly; alternatively, go into a store to pick up your funds.

8. CashNet USA

Cash Net USA Payday Loans

CashNet USA has been providing payday loans since 2004. The company offers a variety of loans. The amounts and repayment terms available will vary based on your state. In Michigan, for example, you can get loans of up to $600, with repayment terms between 8 and 31 days. The fees include a small flat fee per loan, plus a set amount per $100 you borrow. The more you borrow, the lower this amount is. If you apply early in the day, you may be able to get the money on the same day.

9. Advance America

Advance America Payday Loans

If you don’t have great credit, it can be tough to get a payday loan. Advance America, one of our 10 best online payday loan service options, doesn’t require perfect credit, so it can be a convenient solution. The company offers short-term cash advances that are due when you get paid next. You can apply online and get the funds as soon as the same day. You need a checking account, as well as proof of income, a bank account, and an ID. The maximum loan amounts are determined by the laws in your states.

10. Check Into Cash

Check Into Cash Payday Loans

Check Into Cash allows you to get your next paycheck as soon as the next business day. We love that you can pre-qualify for the loan using the company’s simple online form; that way, you can figure out how much you can get without filling out a long application. If you’re approved, this company allows you to pick up your cash at a branch or have it deposited directly into your bank account

When you need a loan to get to your next paycheck, it’s crucial to pick a reputable provider. By choosing the right service, you can help ensure your financial health. As you research different payday loan services, these providers are a great place to start.

By BCR Staff
June 2019

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