About
Online-Payday-Loans.org is Truth in Payday Lending.
Our Mission:
Provide payday loan facts and compare lenders to promote informed decisions.
Our Method:
We provide:
- Unbiased Information (our site is maintained by consumers)
- Editorial Integrity (we receive no money from payday lenders, activists or interest groups)
- User-Driven Content (all reviews and ratings are submitted by users)
- Fresh Info (daily updates and frequent site improvements/upgrades)
- Safe Surfing Oasis (we do not use browser hijacks, hidden ads or deceptive links)
Online-Payday-Loans.org is the only user-driven guide to payday lenders.
Our Info:
We offer:
- Payday Loan Pitfalls (landmines in the field of payday lending)
- Alternatives (safer/cheaper ways to borrow money quickly)
- Tips (useful hints and advice for borrowers)
- Lender Listings (compare lenders by price and other criteria)
Online-Payday-Loans.org is your shark cage in the sea of online payday loans.
Our Criteria:
We compare payday lenders by:
- Price (fee charged per $100)
- Perks (extra services to make borrowing money easier)
- Popularity (user ratings, page views and clicks)
- Principles (ethics and online etiquette)
Price
Payday loans are short-term, high-rate loans. A small difference in fee makes a big difference in cost. If you borrow $500 for 14 days, a $5 difference in fee will cost you:
$5 difference x 5 (the number of $100 loans) = extra $25/14 days
If something goes wrong and you can’t pay the loan off on your next paycheck:
$25 difference/14 days = $50 difference/month = $600 difference/year
A $5 difference in fee could mean a several hundred dollar difference in the total cost of the loan.
Perks
Some lenders offer you extra services such as:
- first loan free
- no fax loans
- same day service
Perks are listed in the right sidebar. Use the table on our Compare Payday Loans page to sort lenders quickly.
Popularity
Unpopular cash advance companies are unpopular for a reason. Avoid them.
Principles
Unfortunately, some payday lenders engage in deceptive / damaging online practices:
- spyware, adware, pop-ups (browser hijacks)
- search engine spamming (peeing in the information pool)
- no APR disclosure (APR is Annual Percentage Rate but you already knew that)
These practices hurt everyone:
- your online experience is degraded / computer security compromised
- search engine results become less useful
- your purchase decision is made more difficult / stressful
Why reward companies that do not respect you, your computer or our Internet? If a company makes your time online less enjoyable, punish them with a poor rating!
E-mail Policy:
We will never send you unsolicited bulk or commercial e-mail.
Privacy Policy:
The privacy of our visitors to Online-Payday-Loans.org is important to us.
At Online-Payday-Loans.org, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use visit Online-Payday-Loans.org, and how we safeguard your information. We never sell your personal information to third parties.
Log Files
As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (Internet Protocol) address, your ISP (Internet Service Provider), the browser you used to visit our site, the time you visited our site and which pages you visited throughout our site.Cookies and Web Beacons
We do use cookies to store information, such as your personal preferences when you visit our site.We also use third party advertisements on Online-Payday-Loans.org to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing San Francisco real estate ads to someone in San Francisco, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).
You can disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in firewall and Internet security programs. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.
Disclaimer:
This website is created and maintained by concerned consumers. We have no affiliation to any payday lenders or political groups and do not offer loans of any kind.
Lenders are submitted by site visitors. A listing is not an endorsement.
We do not have an opinion of lenders listed. Ratings and popularity are determined by site visitors.
All logos and trademarks are property of their respective owners.
Information contained in this website is of a general nature only and is not intended to constitute advice for any specific fact situation. For particular questions, please consult your lawyer or financial consultant.
We cannot guarantee the accuracy or suitability of information.
We cannot be held liable in any event.