Compare
Compare payday lenders quickly using the table below.
Actual Lenders (L):
This is a list of online payday loan sites that we believe to be actual lenders (direct lenders who offer, issue, fund and service loans that originate from their website).
Click column headings to sort by price, rating, state licensing, etc.
| Lender | Fee | Day | Rating | Faxless | First Loan | State Lic. |
|---|---|---|---|---|---|---|
|
$10
|
Next
|
4.1
|
No
|
Reg Price
|
Yes
|
|
|
$17
|
Next
|
4.4
|
No
|
Reg Price
|
Yes
|
|
|
$18
|
Next
|
4.3
|
Yes
|
Reg Price
|
Yes
|
|
|
$18
|
Next
|
3.2
|
No
|
Free
|
No
|
|
|
$19
|
Next
|
3.3
|
No
|
Half Price
|
No
|
|
|
$20
|
Same
|
4.1
|
Yes
|
Reg Price
|
Yes
|
|
|
$25
|
Same
|
4.0
|
Yes
|
Reg Price
|
Yes
|
|
|
$25
|
Next
|
2.3
|
No
|
Reg Price
|
Yes
|
|
|
$25
|
Next
|
2.4
|
No
|
Free
|
No
|
|
|
$25
|
Next
|
1.2
|
No
|
Reg Price
|
No
|
|
|
$25
|
Next
|
2.0
|
Yes
|
Reg Price
|
Yes
|
|
|
$25
|
Next
|
1.0
|
Yes
|
Reg Price
|
Yes
|
|
|
$25
|
Next
|
1.4
|
No
|
Reg Price
|
No
|
|
|
$30
|
Same
|
3.8
|
Yes
|
Reg Price
|
Yes
|
|
|
$30
|
Next
|
3.8
|
Yes
|
Reg Price
|
Yes
|
|
|
$35
|
Next
|
2.7
|
Yes
|
Reg Price
|
Yes
|
Lender = lender name (hyperlink goes to our review of lender, not the lender site)
Fee = loan fee per $100 borrowed (rounded to nearest dollar)
Day = when your cash arrives (same day or next day)
Rating = visitor submitted average rating of 1 to 5 stars (5 is best, rounded to nearest star)
Faxless = you do not need a fax machine to complete the loan process
First Loan = discount for first time customers (first loan free, half price or regular price)
State Lic. = state licensed payday lender (licensed with state regulatory board)
Note: Lenders are listed by fee. Fees may vary by state so be sure to check the fee for your state.
To put a lender’s fee into perspective, we’ve calculated the mean, median, mode, minimum and maximum fees for all 17 lenders.
| Statistic | Fee |
|---|---|
|
Mean (Average)
|
$23
|
|
Median (Middle)
|
$25
|
|
Mode (Most Frequent)
|
$25
|
|
Minimum (Lowest)
|
$10
|
|
Maximum (Highest)
|
$35
|
All fees are per $100 borrowed.
To put a lender’s rating into perspective, we’ve calculated the statistics for all 17 lenders.
| Statistic | Rating |
|---|---|
|
Mean (Average)
|
3.0
|
|
Median (Middle)
|
3.3
|
|
Mode (Most Frequent)
|
3.8
|
|
Minimum (Lowest)
|
1.0
|
|
Maximum (Highest)
|
4.5
|
For all 64 loan sites indexed, the average rating is 2.2 out of a possible 5 stars..
In other words, there are a lot of sites you should avoid.
Let’s put the other criteria into perspective. Out of 16 actual lenders: 10 are state licensed, 7 offer faxless loans, 3 offer same day service, 2 offer first loan free and 1 offers first loan half price.