Best Payday Loans
How an online payday loan can help you
- Online PayDay Loans are Safe and Secure, Utilizing the Latest Encryption Technology
- Enjoy Avoiding the Shame of a PayDay Loan Store By Filling Out an Application Online
- Get Loan Approval in Just Minutes and Have Cash In Your Account the Very Next Day
- You Will End Up Paying More in Late Fees and Penalties on Those Missed Payments
- You Might Fall Behind on Your Credit Card Bills, Car Payments or Even Your Rent
- Freedom to Borrow As Much As $1,000
- Most Approvals arrive in 60-90 seconds
- Quick, Easy, Secure Online Application
- Your Personal Security is A Top Priority
- Ultimate in Payday Loan Convenience
100 Day Loans Review100 Day Loans offer users access to up to $1,000 at any time. Approvals are often received in as little as 90 seconds! The 100 Day Loans program is safe and secure, eliminating worry from entering your personal information online. Bank account and social security numbers are protected by strict industry-wide protocols and a fast application process allows the depositing of money into your account within 24 hours.
- Choose Your Loan Amount, Up To $2,500
- Lightning Fast Application and Approval
- Have Your Cash Deposited Overnight
- Safe, Easy, Secure and Convenient
- A Huge Name in the Payday Loan Industry
RockStar Loan ReviewsRockstar Loan is a safe and secure online payday loan service. Get matched with lenders for up to $2,500 almost instantly. RockStar Loan utilizes state of the art encryption technology that safeguards the personal data you input into RockStarLoan.com. Many of RockStar Loan’s Customers are approved right on the spot and cash can be your account overnight, both of which are excellent conveniences.
- Choose Your Loan Amount Up To $1,000
- Quick and Easy Online Application Process
- Easy Approval, Even With Low Credit Scoree
- Get An Approval Within Just Minutes Time
- Utilizes Safe, Secure Data Storage Technology
24/7 Loans Review24/7 Loans offers fast, unsecured loans of up to $1,000. They offer the flexibility of applying online or via a smartphone. Like many payday loan companies, they “shop” your application among their list of preferred lenders in an effort to get you as much money as possible with the best rates and terms of the loan. Payday loans can be very valuable and can supply you with the money needed for emergencies without having to ask a friend or family member for help.
- Choose Your Loan Amount, Up To $2,500
- Quick and Easy Seven-Minute Application
- Secure, Safe VeriSign Encryption Technology
- Matches you With Lenders Almost Instantly
- Work With One of The Top Industry Contenders
Cash Mojo ReviewCash Mojo offers loans up to $2,500.00 and operates strictly online. Lightning fast loans from Cash Mojo can help make any day a payday. They stress the importance of your safety and security, since you are transmitting personal and financial information over the internet, and use the ultra secure VeriSign data system. Cash Mojo provides lenders who can fund your loan quickly, usually within just one business day via direct deposit into your checking account.
- Choose Your Loan Amount, Up To $10,000.00
- Create the Repayment Terms, Up To 60 months
- Get Pre-Approved Within Just Minutes Time
- Get Matched Through a Vast Lender Network
- Utilize Safe, Secure Data Protection Technology
3ClickLoan Reviews3ClickLoan is a loan matching company that has access to loans ranging from $100 to $10,000 dollars. Payday loans provide a service for unexpected expenses like car repairs and medical expenses, which can be thousands of dollars. Often when these situations arise, consumers feel they have nowhere to turn. Too embarrassed to wait in line at a payday loan store, or frustrated thinking the process will be long and difficult, 3ClickLoan is a safe, private online company.
Why Payday Loans Aren't a Bad Thing
How Payday Loans WorkTo qualify for a payday loan, one must prove employment by bringing in their most recent pay stub to show their pay schedule, and a checking account. The person taking out the loan writes a postdated check (for the next pay period) to the lender, and gets the cash from the lender right then and there. When used correctly and paid back in full on time, it works much better than asking a friend or a family member to borrow money. Critics say the annual interest rate on these loans easily hits triple digits, and thatís why they're often considered†predatory.
High Risk, High RewardPeople who turn to payday lending alternatives are high risk, and the reality is, payday lenders fill a segment in the finance world banks are not willing to touch, and people need help. These people typically have no credit or poor credit, and therefore would not qualify for a credit card, or a personal loan from their bank. When people are in need, they're not thinking about the effective APR on the loan, they're thinking about the $20 fee on the $100 they need, which is 20%. Credit card rates easily exceed this rate over the long term, so in the short term, itís not much different.
Don't Fall Into a Borrowing CycleCritics say payday lending causes a chronic borrowing scenario. While itís true some people may have trouble paying back that $120 from their next paycheck without having to resort to another loan, simply taking one loan does not automatically suggest the borrowers will be on a constantly lending cycle. However, borrowers should recognize that if they are going to be unable to repay the loan as required, perhaps a payday is not, after all, the best bet for them.
Benefits of Payday LoansIn an economy where it has become increasingly harder to make ends meet, the short term loans help those in need take care of bills falling due between paydays. It keeps a business up and running and feeding money back into the economy. It gives people who otherwise have no option an option, and touches a sector of finance no bank is willing to venture into - it fulfils a genuine need. While there are risks with using payday loans, there are risks with misusing anything in this world, be it a financial product or otherwise.
INFORMATION ABOUT APR'S
When you have been approved, one of our lenders will offer you a loan with an APR from 384.99% to 789.45%. Your APR is derived from a number of variable such as your loan amount, amount of time you will repay, amount repaid as well as the term of the loan. Longer term loans and larger amount loans will receive lower APR's compared to short term or small amount loans. Short term loans can be a costly type of credit, these loans are used for emergencies or immediate financial requirements, not to be used for a long term financial resolution. These loans do not help increase your credit score and are used to solve short term financial problems. We are not a bank or a lender and are not able to give you specific information about your loan terms or APR's. The APR information is not required by state or federal laws. Please contact your lender to find out their current terms and rates.
FINANCIAL IMPLICATIONS : NON-PAYMENTFailure to pay your loan in accordance with the terms set by your lender may proceed with the following:
Up to $38 Late Fee. Account will be sent to collection agencies. Will have a negative affect on your credit score. Offering to extend, refinance or renew your current loan, might result in you acquiring additional fees and interest. Depending on your lender the fees and interest rates may vary, Some lenders may have automatic renewals. Since we are not a lender or a financial institution we cannot give you any specific information about your loans or the implication if you are not able to pay your loan. For this information please contact your lender for their policies.
Please visit our Contact Us page for any quesitons or concerns you may have.