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Compare Payday Loan Providers and Save

We help you find the best payday loan for your needs. We have 15+ offers from reliable payday loan providers in the US, UK and Canada listed side by side along with all important information you need to need to make a smart decision. Compare these offers, choose the best one for you and then apply online today.
 
US Payday Loan Offers
 
 
Lender Amount Finance Fee Term Discounts Extras
Up to $2500 $15-$22.50 per $100 borrowed for 14 days 14-36 days None US-based direct lender
State-licensed
Member of CFSA and
BBB with A+ rating

Details
Up to $1000 $15 - $30 per $100 borrowed for 14 days 14-30 days None US-based direct lender
Member of FiSCA
Founded in 1968
Satisfaction Guaranteed

Details
Up to $1000 Depends on the lender you're matched with 14-25 days None US-based loan-matching
service
1 hour cash possible

Details
Up to $1500 $18.62 per $100 borrowed for 14 days 7-31 days 25% off loan fees for
new applicants.		 Offshore direct lender
Based in Anguilla,
British West Indies.

Details
Up to $1800 $15-$25 per $100 borrowed for 14 days 14-28 days 20% off loan fees for
new applicants.
Enter CJCASH on
application		 US-based direct lender
State-licensed
Member of BBB and
CFSA

Details
Up to $1500 $17.50 per $100 borrowed for 14 days 14 days 25% off loan fees for new Applicants. Offshore direct lender
Based in Anguilla,
British West Indies.

Details
Up to $500 $15-$25 per $100 borrowed for 14 days 4-31 days 10% off loan fees for new Applicant. Enter CJ10MAY11 on application US-based direct lender
Member of OLA

Details
Up to $1500 Depends on the lender you're matched with Depends on
your lender 		None Have been providing
online loan-matching
Service for 8 years

Details

Up to $1000 $15-$30 per $100 borrowed for 14 days 4-30 days  None US-based direct lender
Member of CFSA and
FiSCA

Details
 
 
   
 
UK Payday Loan Offers
 
 
Lender Amount Finance Fee Max APR Fee Discount Extras
Up to £1000 £20- £29.50 per £100 borrowed Typical APR =
890-2222% 		Free 1 hour
funding		 20% off loan fee for new Applicants. UK-based direct lender Member of CFA and CIFAS

More Info
Up to £400 £41.92 per £207 borrowed  Typical APR = 4312% £5.50 per transaction
Guarantees
Funding in 15 minutes		 None UK-based direct lender Licensed by OFT Member of FLA

More Info
Up to £750 £20 per £80 borrowed Typical APR = 1737%  for 30-day loan None Funding may take up to 24 hours None UK-based loan matching service provider

More Info
Up to £800 £20 per £80 borrowed Typical APR = 1737%  for 28 days Same-day funding if you sign agreement before 17:00 None Member of CFA Licensed under Consumer Credit Act

More Info
 
 
   
 
Canadian Payday Loan Offers
 
 
Lender Amount Finance Fee Funding Term Discount Extras
Up to $1500 $21-$23 per $100 borrowed for 14 days Same day funding at no extra charge Up to 62 days 20% off loan fee for new Applicants. Licensed lender Service available in Ontario, Alberta &
BC only Member of CPLA

More Info
Up to $1500 $21-$23 per $100 borrowed for 14 days Funding  within 24 hours Up to 14 days None Licensed lender
Online service avail
in Ontario & Alberta
Member of CPLA
and BBB with A+ rating.

More Info
Up to $1500 $21 per $100 borrowed for up to 62 days Funding within 24 hours Up to 62 days None UK-based loan-matching service provider

More Info
 


Online Payday Loan Providers You Need to Know

Online payday loan providers differ by service categories. The level of satisfaction you feel with a given service can sometimes depend on the type of provider you choose. Therefore, understanding the differences between these providers can help you choose the right one for your needs.

Here are 4 types of payday loan providers you should know.

Direct payday loan providers

This group of cash loan providers actually lends and services all the loans they make; no middlemen are involved in their lending services. This type of provider is often preferred by online users because
it is generally easier to deal with one company than to deal with 2 or 3. How can you tell whether a website belongs to a direct lender or not? There are a number of ways to identify a payday lender’s website but the most reliable one is to look for a “Fees and Rates” or “Fees and Terms” tab on the home page of the lender. This tab, button or link is usually found on the horizontal navigation bar on top
of the home page. This link takes you to a page where the lender discloses the fees and rates for loans in all the US states where the company does business. If you don’t see “Fees and Rates” tab on the home page of a US payday loan provider’s website, chances are that that provider is not a direct lender.

There are two types of direct payday loan providers namely state-licensed direct providers and offshore direct lenders. State-licensed providers may or may not have physical presence in states they are licensed to operate but they must obtain a physical certificate from state agencies where they are allowed to do business. These lenders proudly display a copy of these licenses on their “Rate and Fees” pages for respective states. As required by each state where they are licensed, these lenders must comply with all relevant laws or they risk having their licenses revoked.

Offshore direct payday lenders, on the other hand, are not officially licensed to operate in any US state but are legally permitted to operate in the country where they are located. They are therefore not
bound by state laws. This means that they can, for instance, charge a higher finance fee than is legally allowed in a given state. In other words, by definition, offshore lenders provide less legal protection
for their customers compared to state-licensed lenders.

Loan-matching service providers

You can obtain a new payday loan through a loan-matching service provider, also known a loan broker. They do not make loans. Instead, they provide a marketplace where borrowers are matched with lenders. Typically, each provider runs a network consisting of hundreds or thousands of lenders and applications are put up for bidding within the network. At the end of the process, the winning lender contacts the borrower and goes over the terms of the loan. Because the bidding process involves competition, consumers sometimes end up getting a good deal. The downside of using a loan matching service is that you do not know the terms of the loan you are applying for until you are matched with a lender.

Loan Comparison service providers

An example of a payday loan comparison website is PDLoanGuide.com. This site and others like it make it easy for you to find a payday loan by providing choice. At pdloanguide.com, for example, there are over 15 reliable lenders in the US, UK and Canada for you to choose from. Their offers are displayed side by side along with all the information you need to make a smart decision. To find the best loan for
you, all you have to do is to compare all available offers and choose the best one for you based on the features you consider important. Online payday loan users find these sites extremely helpful.

Lead generators

This type of providers is the least recommended. As the name suggests, lead generators collect prospective borrowers’ information and then sell them to prospective lenders or loan brokers. Examples of lead generating sites are USCashWire.com and Personalmoneystore.com among others. The biggest risk associated with dealing with this type of providers is the real potential for consumers’ identity and personal information to be compromised. Your personal information could pass through two or more middlemen before getting to an actual lender. How do you know a lead generator? It’s simple. Any site
that displays a loan application but does not provide a schedule for its fees and rates is likely a lead generator.

Without a doubt, all online payday loan providers are not created equal; some are safer and more reliable for you to do business with than others. So, use these tips as a guide for finding the right online payday loan for you.
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