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Best Payday Loans Websites

  1. MoneyMutual
  2. TrustedPayDay
  3. 100DayLoans
  4. Blue Key Financial
  5. National Payday
  6. Ace Cash Express
  7. CashNet USA
  8. Double My Payday
  9. MyCashNow
  10. CashCentral


Sources and Resources


Payday Loans Websites Comparison Chart

This comprehensive, free comparison chart allows you to compare the top payday lenders, select one, click "Apply Now" and go directly to their application page.
RankTitleOverall RatingReviewLoan AmountsGo ToLoan Access: Apply ByState Availability
# 1MoneyMutual
Gold Star
Review$100-$1000moneymutual24/7 Loan Approval46
# 2TrustedPayDay
Silver Star
Review$100-$1,000trustedpayday24/7 Loan Approval 877-570-763546
# 3100DayLoans
Bronze Star
Review$100-$1,000+100dayloansSame Day: 12pm Next Day: 6pm EST44
# 4Blue Key FinancialReview$100-$1000blue key financial24/7 Loan Approval46
# 5National PaydayReview$100-$1,000national paydaySame Day: 12pm Next Day: 2pm ESTvaries
# 6Ace Cash ExpressReview$100-$1,000ace cash expressSame Day: 12pm Next Day: 6pm EST11
# 7CashNet USAReview$100-$700cashnet usaSame Day: 12pm Next Day: 6pm EST31
# 8Double My PaydayReview$100-$1,000double my payday*Next Day: 6pm EST20
# 9MyCashNowReview$100-$1,000mycashnow*Next Day: 7pm EST39
# 10CashCentralReview$100-$1,000cashcentralSame Day: 12pm Next Day: 6pm EST19

Rating Parameters

The overriding rating metric is "success rate" -- which vendor gives the users the highest probability of getting a loan. Beyond that, we take into account loan costs, site usability, support and ease of funding. The loan chart may change on a weekly basis as various lenders change their internal processes thus effecting success rates for borrowers. The top 3 lenders listed have the highest success rate of providing a loan to our readers.

StarReviews Payday Loan Notes

StarReviews is not a payday loan lender.
Individual Payday Loan websites change loan costs, APR and state availability. Please check with the individual website for the most current information.

Payday Loan Frequently Asked Questions

Q: Can StarReviews help me get a loan?
A: No, StarReviews is not a lender nor do we take loan applications. We simply provide a comparison of some of the industries biggest Payday Loan companies.

Q: Should I apply to multiple lenders?
A: No. No. No. In most cases, loan aggragators are tied into a network and see, in real time, that you have applied for another loan. Your best bet for success is to apply to one Payday Loan vendor that you are comfortable with and wait for approval.

Q: How long will it take to receive my money?
A: In most cases, applications are processed and approved or denied immediately. Depending upon the lender, funds should be available to you the next day.

Q: Can loans be paid back early?
A: Loans can generally be paid back early but there are no discounts for early payments.

Q: What if I can't pay back my loan on time?
A: This is not uncommon but can become dangerous and tends to be where borrowers get in trouble due to the ease of renewal. Most vendors will extend or renew your loan and you will continue to make interest payments without paying down the loan. Your vendor should provide exact details.

Q: How much does a payday loan cost?
A: Fees vary greatly by vendor and state. Interest rates are generally capped. Here is a listing.

Q: I am new to Payday Loans, what do I need to watch out for?
A: There are three very important components: Implications of late or non-payment, disclosure of fees and APR and disclosure of renewal policy. A responsible lender that follows the Online Lenders Alliance Best Practices will have all of that information clearly disclosed to you prior to your application.

Please Borrow Responsibly!

Your Guide to Payday Loans

Payday comes once a week or once every two weeks. What happens if you run into a financial emergency before your paycheck comes? When you do not have a backup fund and cannot get a loan from a bank, you may consider a payday loan. Payday loans have been around since at least the early 1980's. Moneytree and QC Holdings were known to offer loans to people in return for a quick turn-around time and high interest. Payday loans can be obtained from a payday office or online.

What Are Payday Loans?

Payday loans are when a customer goes to a loan officer and requests an amount of money. The loan officer clears him for a loan. The customer must write a postdated check for the amount of the loan and any fees that are due. When the loan comes due, on the customer's payday, the loan officer cashes the check and the loan is paid. If a customer cannot pay on that date there may be the ability to roll the loan over to the next period, with an additional fee.

How Do Payday Loans Work?

When you have an emergency and need cash quick you can apply for a payday loan. You apply to borrow money and agree to pay back the money plus about 20% in fees for borrowing the money and additional interest. The lender will run a check to see if you have a payday loan out anywhere else. You can only have one loan at a time. If you have a job, do not have any loans out and meet any other qualifications that they are looking for you will be approved for the loan. When you are approved the loan officer is required, by the Truth in Lending Act, to provide you, in writing, with:

  • The dollar amount of the finance charge
  • The annual percentage rate of interest

When Does the Money Have to be Re-paid?

The check that you issue the lender will be presented for payment on your next payday. According to the Fair Debt Collection Practices Act no collections agent can come after you before 60 days. However, there may be terms in the contract that you originally signed that states your account will automatically roll over and you will be assessed additional fees. If you have an issue repaying the loan you can request an extended payment plan. You are then able to break-up the payment into monthly payments.

What Are My Alternatives?

The Federal Trade Commission has put out a warning about payday loans. If you can enter into the loan and you are sure that you will have the money to pay it back without risking any roll over fees then you may want to enter into a payday loan. However, the FTC would like you to consider the alternatives first. They suggest that you:

  • Look to get a loan from a credit union
  • Shop around for the lowest APR
  • Ask your creditors for an extension on your bills
  • Create a budget and prepare a savings plan
  • Seek overdraft protection from your bank

Are there Special Considerations for Military Personnel?

Under Federal Law and thanks to the Department of Defense there are certain conditions that pertain to credit financing for military members. These protections state:

  • APR cannot exceed 36%
  • Creditors may not require the use of a check or bank account information
  • There cannot be mandatory arbitration
  • Military must be given certain disclosure

How Much Can Payday Loans Lend?

The amount that a loan service can lend will vary by state. Generally the maximum loan that you can obtain is $1,000; except in the Virgin Islands where this is much higher.

What is the Percentage of Fees That I Will Pay?

Fees that area attached to the loan differ by state depending on the amount of money that you take out for the payday loan. The average fee that you can expect should be in the range of 15% to 25%. However, there may be different fees based on the amount of money, so you may pay 15% for the first $300 and then an additional 20% for the next $300.

Why Would I Need a Payday Loan?

If you have an emergency and a payday loan is the only way that you can get the money you need, then you may choose to opt for a short loan. However, you want to be sure this is a true emergency. Going out to dinner with friends, can wait until your next paycheck. Whereas, getting your car fixed because you need to get to work, may be an emergency. You need to use your best judgment and look for the best rate.

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