FAQ

What is Online-Payday-Loans.org?

We are a consumer-driven organization that helps payday loan consumers:

  • avoid rogue websites
  • find cheaper alternatives
  • compare actual payday lenders by traffic, user rating, BBB rating and other criteria
  • make informed decisions based on objective facts not fiction
  • further the payday loan debate with data not demagoguery

Can you give me a loan?

No. We are not lenders. We do not issue loans in any way, shape or form. Requests for loans will be ignored. Sorry.

If you are looking for a cash loan, the best place to start is on the Payday Loan Alternatives page which lists cheaper alternatives such as credit unions and aid organizations.

If you prefer a payday loan, then a good place to start would be our comparison pages: Compare Lenders, Highest Rated Lenders, BBB Ratings or Traffic Comparison.

What is your privacy policy?

Your privacy is respected and protected. We will never send you unsolicited bulk or commercial e-mail.

Please visit our Privacy Policy page for details.

What is your ad policy?

Advertisements and affiliate links do not influence editorial decisions. To the best extent possible, we provide information from unbiased, third-party sources. Ratings are submitted by site visitors and we do not have an opinion on individual lenders.

We have been a trusted source of information since May 26, 2006. We worked hard to earn your trust and our integrity is not for sale.

On some lender pages, why do you make us cut and paste the lender’s URL? Why don’t you link directly?

We apologize for this inconvenience.

Unfortunately, many payday loan sites engage in search engine spamming (black hat search engine optimization techniques such as hidden key words, cloaking, identical content on multiple URLs, etc.) or link to other websites that do.

Search engine spammers pee in our information pool by making search engine results less useful for everyone.

Every time someone links to a search engine spammer, the spammer gets a higher rank in the search engine results. We would rather avoid bestowing rank on sites that cheat the system at everyone else’s expense.

Again, we apologize to our users for the inconvenience and hope everyone understands.

We also apologize to payday lenders who do not engage in search engine spamming. While we would like to bestow rank to ethical companies, it just takes too long to dig for search engine spamming techniques so we decided to remove direct links altogether.

UPDATED September 20, 2011:

This was our policy from June, 2006 to October, 2010. We did not have ANY hyperlinks to lenders whatsoever.

In November we decided to link directly to actual payday lenders that meet certain criteria in terms of traffic, PageRank, satisfaction rating, online history, etc.

If you have any other questions, please contact us.

Thank you.