Best Payday Loans Companies

Payday loans, sometimes referred to as cash advance loans, have received quite a bit of bad press, but when used properly, a pay day loan can have a definite upside. A short term financial bind can happen to a lot of people and being able to get a small loan quickly can save you money by avoiding costly late fees or overdraft charges. Sure, $50 is a steep price to pay for a $300 payday loan, but if it means you are able to get your rent check, house payment, or car payment in on time and avoid the hefty late fees and possible damage to your credit score, it is more than worth it.

When considering a pay day loan, make sure you only get loans when you really need them (not just to purchase non-essentials), that you will be able to repay the loan when it comes due (this is where some people get into trouble), and that you have selected a reputable, reliable, and fair payday loans company. To help with this last step, below is a list of the top ten payday loans providers.

The Top TenXW

1CashNetUSATheTopTens Trusted Partner*

Have always came through when I needed to get quick cash. Instant approval and the money is deposited the next business day. They've worked with me when I needed an extension. There's a decent payback period. I stand behind cashnet 100%

Worked with me on updating my due dates when my pay cycle changed, was able to avoid overdraft fees.

Great place to get quick cash! Everyone is so helpful! I'm a teacher and I can't afford to be scammed. Never has happened with this company!

Excellent service, quick to help in any way they can.

V3 CommentsVisit Website Apply Now9
2Check CityTheTopTens Trusted Partner*

They are by far the best payday lender out there. Their customer service is always top notch and they truly care about their customers situations and well-being. I am proud to say I am a Check City customer and I would not have made it through some pretty tough situations without them!

Check City is quick, convenient, fair and has the lowest fees of any company I have used

Check City has the best customer service. I can tell the people who work there actually care about me and want to help.

Check City has helped me in the past several times. Always fast, and courteous.

V2 CommentsVisit Website Apply Now9
3Metro Cash Loan

I heard it is a very good company

V1 Comment
4Check 'n Go

Easy qualifications and easy repayment options. Finance fee is great compared to others

Is as described. Can't argue overmuch about things with them.

Great American speaking Company easy to do business with.

Fast and easy to deal with

V4 Comments Visit Website9
5Advance AmericaAdvance America Cash Advance was founded in 1997 and is the largest provider of the non-bank cash advance services in the United States.V3 Comments Visit Website9
6LendUpLendUp is a direct lender that provides financial education and gamification for responsible lending behavior.

Clear terms and will work with you if something else comes up.

Seamless product that helped me instantaneously when I needed it the most. Their customer service is definitely top notch as well.

Phenomenal. Eventually reports to credit bureaus.

Visit Website9
7Check Into CashCheck Into Cash is a financial services retailer with more than 1,100 stores in 30 states. The company was founded in 1993.

Great company, highly recommended.

Fast and easy with clear contract information. Great service!

I was able to get more money here than anywhere else! Super nice!

V4 Comments Visit Website9
9Speedy Cash

These people run a top notch business in my opinion. Always professional, I am able to get a loan very fast and one time, when I had left my DL at home, was able to get a loan with no ID (store manager recognized me as a regular).

I will say that I have always repaid my loans within five days. Most of the time I repay them in under three days, in which case there is no interest accrued. I borrow $250 on Wednesday and on Friday, when I go to pay I owe just $250. You can't beat 0% interest!

Very nice people easy to work with. Just stay in contact with them. They are helping me with my loan now. I got injured at work and lost my job.

Use it a lot of the years my score is in the upper 500 and I was making about 13,000 first time they approved me online. Not I make more and when I need help they are there.

I love it, they are very helpful to me.

V4 Comments Visit Website9
10Credit On Demand

Credit On Demand is a UK payday loans direct lender, providing instant online payday loan service of £100 to £400 within the United Kingdom. You can get unsecured and bad credit loan through web and SMS (text loans).

Visit Website9

The Newcomers

?A One Loans

Believe it or not, I was going through one of the lowest point financially, a few days back. Even deriving loans was out of contention, due to the unfavourable credit score. But then, I came across payday loans with bad credit and from there on, there was no looking back. The loan amount was easy to derive and my bad credit history was not much of an issue. With flexible terms and conditions, the loans indeed made way for my financial freedom. Highly recommended, if you are in the midst of a financial urgency! - sarajames988

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Worried trying their services. Strongly recommend to try it out.

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The Contenders

11ACE Cash Express

Great direct lender. Have flexible payback dates and offer payment plans if you get overwhelmed. Easy application process and decent customer service

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12Approved Cash AdvanceV1 CommentVisit Website
13PaydayUKVisit Website
14Castlepayday.comVisit Website

Didn't get a loan but they helped with credit repair. However, my buddy got a loan from then and had a great experience. Highly recommended!

Great choice! Easy to get qualified

This is the place to go if you have bad credit. Why I vote for them.

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16National PaydayVisit Website
17Lending StreamVisit Website
18Snappy Payday LoansVisit Website

Great service. Strongly recommend to avail benefits from Nextcredit for instalment loans.

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20WageMe.comVisit Website
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*A Trusted Partner designation denotes a listing whose rank has been determined by our staff. Typically, TheTopTens receives compensation for these placements in the form of commissions on sales or leads generated through this site. Because our compensation is tied to consumer behavior, we are incentivized to promote the companies and products people are more likely to respond favorably toward.

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List StatsUpdated 27 Jun 2016

1,000 votes
27 listings
6 years, 39 days old

Top Remixes (15)

1. 100DayLoans
2. NetLoanUSA
3. LendUp
1. Credit On Demand
2. Wonga
3. PaydayUK
1. Check 'n Go
2. Check City
3. Wonga

View All 15


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