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Online Payday Loans – Fast Approvals Since 2001

Life can be unpredictable. A car accident or sudden trip to the emergency room can send most people scrambling for cash. A bounced check or overdraft charge can easily put a bruise on a credit report. However, a payday loan can provide fast relief for a short-term problem.

Before looking into online payday loans, all lenders have certain standards. Common requirements are:

  • Age limits (typically 18 and older)
  • Ownership of a checking account (for direct deposit)
  • Providing a phone number (in case of difficulties)
  • Steady income ($1,000/mo. after taxes))

These requirements help to ensure that borrowers are both protected and provided with excellent customer services. It also prevents young borrowers from going into debt at an early age.

The advantages of online payday loans over normal loans are the simplicity and speed of the process. A borrower doesn’t have to carry a large amount of cash around with them to the bank. Money can simply be deposited straight into their checking account. A short loan request form can be filled out in a borrower’s home at any time of the day. This makes funds available to anyone in need of emergency cash. Asking a bank, a family member, or friend for money can be embarrassing or difficult. An online payday loan can be completed online without any of the embarrassment.

Compared to a traditional bank, a payday lender has no interest in why a borrower needs the money. A bank will often require collateral and the loan’s reasons. Even then a bank can decline a loan request very easily. A payday lender isn’t as difficult to work with and won’t ask about a borrower’s reasons for needing a loan.

A payday loan generally can be approved within a day’s time. When looking through online payday lenders, look for a lender with:

  • Direct lending
  • Privacy policy
  • VeriSign approval
  • Virus protection

Direct lending keeps middlemen out of the loan process. The borrower and the lender can work together to keep the lending simple. Passing private information through a middleman can lead to delays or even identity theft. A middleman might add surcharges or fees for connecting a borrower and a lender. A lender who works directly with borrowers can provide faster customer service and more secure transactions without any extra hassle.

A privacy policy can help to keep personal information away from identity thieves, scam artists, and spammers. All responsible lenders will have a policy laid out about how they keep and store borrowers’ personal information. Lenders should not share borrowers’ information with other companies without approval. VeriSign is an online watchdog organization, which monitors authentication and security for websites. As an independent and third-party group, VeriSign can provide reassurance that an online lender has been inspected by professionals. VeriSign is especially helpful to first time borrowers. A lender should have a VeriSign approval logo placed prominently on the homepage.

Top online lenders use a reputable anti-virus company to scan their website for flaws on a regular basis. The anti-virus vendor should be recognizable and perform their duties at least daily. Popular anti-virus companies include McAfee, Norton, and Symantec among others. This protects borrowers and the lender from criminals. Most lenders have a limit on the amount that they will loan out at each request. Specific limits vary, but lenders typically only give out between $100 to $999 or more per loan. Lenders put limits in place to protect borrowers from a loan that is too large for them to repay easily.

Each loan will typically be processed quickly. The money should be directly deposited in a bank account. Most online lenders are able to take requests around the clock, but the money may only be deposited on the following business day. After receiving the loan, borrowers should be careful to repay their loan as quickly as possible. Although most lenders are flexible, repaying the loan slowly can lead to interest or late fees. Always repay the loan in full. Choosing to only make the minimum payments can turn a small loan into a large debt. Nearly all lenders offer an automatic repayment option online. This allows borrowers to not have to worry about missing a payment through forgetfulness.

If a borrower does have to worry about missing a payment, lenders can work with them. All responsible lenders have loan extension policies. Borrowers can easily adjust their repayment schedule by contacting customer service. Lenders are flexible enough to work with borrowers to find the repayment schedule that works for them. A responsible lender will keep borrowers from asking for too much money in a short period of time. Most lenders limit loans to the same borrower within a certain period of time. This can save desperate people from going into massive debt after an emergency.

However, a payday loan should only be used for short-term problems. Debts such as car payments, credit card interest payments, or mortgages are best solved with other financial tools. Using a payday loan for a long-term payment only creates more debt instead of solving the problem directly. Choosing to set aside a small emergency fund can also help lessen the need for a payday loan. Even an amount as low as $1 to $5 dollars each week can be saved. Using a payday loan responsibly can help clients avoid falling into debt.

Online payday loans can solve sudden financial difficulties. The loan industry has worked hard with consumer groups and lawmakers to provide a crucial tool for anyone facing cash problems.

Representative APR Range is not a lender and does not provide short-term loans but refers consumers to lenders who may provide such loans. For this reason, we are unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to the information supplied by you in your loan request and your lender. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. The APR on a cash loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on, if applicable.

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