ARE THERE ANY REAL PAYDAY LOAN COMPANIES on line, NOT A REFERRAL SITE ?
I know all the pros and cons in regards to payday loans but in the course of my research i keep coming across referral sites not acutal loan companies. These sites then offer everything but what I’m looking for – a loan. If anyone knows of an actual loan site i would very much appreciate the address.
http://www.paydayloan.com
but i don’t recommend using them, but you already know the pros and cons, so it’s your choice!! but i will tell you, they are all crooks!!
http://www.cashcall.com does loans for more money than payday loan does though…
good luck… =)
Check my profile. It is a community of lenders who can bid on your loan.
I’ve used plenty of payday loan companies.
Here are a few:
nationwidecash.com
upfrontpayday.com
fast-cash-personal-loans.com
usfastcash.com
usapaydayloan.com
I put them in order of how I would rank them from best to worst.
Hello, Sheila.
As the old saying goes:
“Give a person a fish and you feed them for a day,
Teach a person to fish and you feed them for a lifetime.”
Before I provide a link to a list of real lenders, I will try to give you a few tips to help you find actual lenders and avoid referral sites (which are, in many cases, spammers and/or identity thieves).
Of course, I do *not* recommend payday loans. It looks like you have done your homework and are already aware of the dangers so I will not try to dissuade you. Also, I am sure you are already aware of cheaper options like credit unions so I won’t waste your time with that, either.
Tips to Avoid Fake Payday Loan Sites:
Note: By “fake” I mean referral sites, spammers, identity thieves and any other sites that are not real lenders or do not actually provide loans.
*Avoid sites that send you commercial e-mail (spam).
*Avoid sites that advertise in forums (comment spam).
*Avoid sites that advertise in pay-per-click ads (organic search engine results tend to be more reliable).
*Avoid sites that do not post an APR (Annual Percentage Rate) table. This is required by the Truth in Lending Act and sites that do not provide APR information are likely rogue sites.
*Avoid sites that do not have a price list (usually price per $100 or multiple thereof). If the site asks you to submit ANY information before they give you such a price, run!
*Avoid lenders that do not list detailed and complete contact information (including physical address and toll-free telephone number). Phone them to ask questions. If you get an answering machine during business hours, run!
*Check to make sure the site uses SSL (secure socket layer) encryption to transfer data (the URL will start with https instead of http).
*Check the WHOIS information and do a Reverse IP check. If the WHOIS information is hidden or the site is hosted on a shared IP address, then it is likely a referral site and not a real lender.
*Avoid lenders that are not licensed by your state regulatory agency for payday loans.
These tips are based on the following article (which goes into more detail)…
Payday Loan Checklist – Ten Things You Must Do Before Applying for an Online Payday Loan:
http://www.online-payday-loans.org/articles/ten-things-before-you-apply/
Now that we have that out of the way, lets take a look at at a list of real lenders. The site that is the source of the above information has a Payday Lender Comparison Table that lists “actual lenders” and sites to avoid…
Payday Lender Comparison Table:
http://www.online-payday-loans.org/compare/
(In addition to listing real lenders and those to avoid, the above table compares prices/fees, maximum loan amount and other loan terms. Be sure the confirm these terms with the actual lender’s website – the table information may be outdated.)
To check a loan site registrant and IP address…
WHOIS Service with Reverse IP:
http://whois.domaintools.com/
To check if a lender is properly licensed in your state…
State Regulatory Agencies for Payday Loans:
http://www.online-payday-loans.org/links/list-of-state-regulatory-agencies-for-payday-loans/
Again, I do *not* recommend payday loans or any of the lenders listed in the comparison table. Please avoid them if at all possible.
As you are well aware, carrying out financial transactions online has many risks. If you must take out a payday loan, please consider a “brick-and-mortar” payday loan shop that is legally licensed in your state.
Good luck, Sheila. I hope you find the information you are looking for.