Find the Best Online Payday Loan Site for you

There are lots of online payday loan sites out there. Thousands of lenders claim to offer fast money at low rates, but which ones actually deliver? It can be difficult to tell the good from the bad after a cursory glance at a website. For your next payday loan, you want a lender that has some of the lowest rates and offers a stress-free application process. After all, when you need a payday loan, it is usually for an emergency situation. For instance, if your car needs maintenance or you have to take unpaid time off work, you may have trouble paying the bills that month. A payday loan can help you avoid late fees, but only if you get it fast.

How to Find the Best Payday Loan Site

When you’re seeking the best payday loan site, you'll want to start by looking at a few important things.

  • What does the application look like? If it is too long or asks for information that shouldn't apply, you might not want to use that company. A reputable loan company might ask for your Social Security number and updated contact information, but you may not be comfortable providing that information if the site does not have trust indicators like verified encryption.

  • How long does it take to fill out the application? A good site has a streamlined application process that should only take a few minutes.

  • Do they lend in your area? You'll want to make sure the lender is licensed to lend in your state. Licensed lenders are required to follow state laws.

  • Do they make extravagant claims? Sites advertising guaranteed loans are likely to have very high fees or other information hidden in the fine print of your loan contract.

  • How fast can you get your money? A long wait can make a payday loan a problem. When you need the money quickly, a week-long approval process and transfer is too long. If a company does not offer fast transfers, it isn't keeping up with current lending trends.

What Should I Consider When Looking for the Best Payday Loan for me?

After you find a few sites that offer what you're looking for, read the terms and figure out which service is best for you. Some payday loan companies charge higher interest rates or use third-party financing for loans. This can complicate your loan and cause trouble in the future. If your payday loan company acts as a pass-thru for a third-party financer, they might be able to sell your debt or your contact information.

LendUp is a payday loan alternative. Here, we never sell your contact information. The information you provide on your loan application is only used to determine your eligibility and for direct communication between us and you. We are licensed in every state where we offer loans. This gives you peace of mind since we adhere to all local regulations dealing with lending. Some companies use offshore banks to avoid regulations limiting predatory lending practices. We never do that.

Rollovers can put you in a never-ending debt cycle, along with high interest rates on each loan you close. With LendUp, there are no rollovers. We also offer credit education to help you learn good financial habits.

Why Should I Consider LendUp’s Site for a Payday Loan Alternative?

At LendUp, we do not use traditional credit checks to make a lending decision. That means you could still be approved, even without perfect credit. Our application is quick and easy, and you could have a decision in just moments. After filling out the application, the loan decision is instant. Our transfer times are some of the fastest in the business. If you’re approved before 5 p.m. PT (weekdays), we’ll electronically transfer the funds to your bank account within one business day. However, it's important to note that your bank ultimately determines when those funds are made available in your account.

Disclaimer: LendUp is not providing financial, legal or tax advice. If you need or want such advice, please consult a qualified advisor.

Get Started Here

Apply for a LendUp Loan here:

What is LendUp?

LendUp is a socially responsible direct lender dedicated to helping our customers meet their short term needs.

Learn more about LendUp »

Apply in as few as 5 Minutes

Instant Decision

Good Credit not Required

Direct Lender

What people are saying

Hear from our customers

Testimonials reflect the individual's opinion and may not be representative of all individual experiences with LendUp. Customers received compensation in the form of points on the LendUp Ladder.

Learn more about our customers »