Best Payday Lenders in the USA
Compare 30 verified payday lenders. Find fast approval, competitive rates, and trusted online loans.
Finding the right payday lender can make all the difference when you need quick cash. We've reviewed and compared 30 top-rated payday lenders operating in the United States to help you make an informed decision.
Whether you're looking for a direct lender with fast approval or a broker that compares multiple loan offers, this guide covers the most trusted names in the payday loan industry. All lenders listed are part of the RoundSky network and operate in compliance with state and federal regulations.
Compare Lenders Side-by-Side
Use our interactive comparison tool to filter by APR, loan amount, approval speed, and loan type. See all 30 lenders in one table.
Compare All Lenders →Direct Payday Lenders (25)
Direct lenders fund loans with their own capital, offering faster approval and more control over loan terms. No middlemen involved.
MoneyLion
NetCredit
CashNetUSA
Possible Finance
Oportun
Fig Loans
Speedy Cash
Advance America
Check Into Cash
RISE Credit
OppFi
ACE Cash Express
AdvanceMeToday
CashCall
LendUp
Check City
CheckMate
MobiLoans
TitleMax
LoanMax
Spotloan
Greenline Loans
Great Plains Lending
Elastic
Plain Green
Payday Loan Brokers (5)
Loan brokers compare offers from multiple lenders to find you the best deal. Great for finding competitive rates and flexible terms.
PersonalLoans.com
CashUSA.com
BadCreditLoans.com
MoneyMutual
CashAdvance.com
How to Choose the Right Payday Lender
✅ What to Look For
- • Low APR: Compare rates to minimize interest costs
- • Fast Approval: Get funds within 1-2 hours if possible
- • Flexible Terms: Choose repayment schedules that fit your budget
- • Transparent Fees: No hidden charges or surprise costs
- • Good Reviews: Check ratings from real borrowers
⚠️ Red Flags to Avoid
- • Guaranteed approval claims (no lender can guarantee)
- • Upfront fees before loan approval
- • Pressure to accept immediately
- • Unlicensed or unregistered lenders
- • Requests for unusual payment methods
Frequently Asked Questions
What's the difference between a direct lender and a broker?
Direct lenders fund loans with their own money and make lending decisions directly. Brokers submit your application to multiple lenders and help you compare offers. Direct lenders often have faster approval, while brokers may find you better rates by shopping around.
How do I qualify for a payday loan?
Most lenders require: (1) Age 18 or older, (2) Active bank account, (3) Regular income (job, benefits, or self-employment), (4) Valid ID, and (5) Phone number and email. Some lenders accept bad credit or no credit history.
How fast can I get approved?
Approval times vary by lender. The fastest lenders (like Check Into Cash and Speedy Cash) can approve loans in 1-2 hours. Most direct lenders approve within 24 hours. Brokers may take 1-2 business days to compare offers.
What if I have bad credit?
Many payday lenders accept borrowers with bad credit or no credit history. Lenders like MoneyLion, Possible Finance, and NetCredit specialize in serving customers with poor credit. However, expect higher APRs if your credit score is low.
Are payday loans safe and legal?
Yes, all lenders on this page are licensed and regulated. However, payday loans can be expensive due to high APRs (300-600% is common). Only borrow what you can afford to repay, and explore alternatives like credit cards, personal loans, or borrowing from family if possible.
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Start Application →⚠️ Responsible Borrowing Notice
Payday loans are short-term, high-cost loans designed for emergency expenses. APRs typically range from 300% to 600%, which can make loans expensive if not repaid quickly. Only borrow what you need and can afford to repay. Late payments may result in additional fees and damage to your credit score. Consider alternatives such as credit union loans, payment plans with creditors, or assistance programs before taking a payday loan.
Credizen.net is a comparison service and not a lender. We may earn a commission when you click on lender links. All loans are subject to lender approval and availability in your state.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000