I know that it’s hard to decipher who actually lends money online and who doesn’t. There are probably 50 sites that sell your info for a loan for every one that is an actual payday loan lender. If I had enough cash to let you borrow some, I certainly would. Unfortunately, I’ve been in the same situation that you’re currently in and trying to figure out who I should trust when getting same day cash online.
To learn more about what it takes to get approved for an advance, as well as some things that lenders don’t normally share with you, check out our post How To Qualify For A Cash Advance, then come back here and check out the list of lenders.
*Updated 8/27/10* – It looks like Think Cash is halting their lending operations for a while. DO NOT apply for a loan with them, it won’t go anywhere!
*Updated 9/1/10* – Updated with coupon offers for CashNet, Quickquid, and Dollars Direct. Use the code CJCASH on the application to get 20% off of your application fees! Offer is good until 9/30/10. If you live in any of the states that CashNet lends in, apply with them, this is a great deal!
Since I don’t actually lend any money I figured that it would be a good idea to put together a list full of legit cash advance lenders. Where available, I listed all of the states that each company lends money in. A quick way to figure out who lends in your state is to push ctrl+f on your keyboard to bring up the search function, then type in the full name of your state (California, not CA). From the find box you can click ‘next’ to go through all of the lenders that work where you live.
We have info on US, Canadian, and UK cash advance lenders. Scroll down to find the right ones for your country.
Updated again 8/26/2010 to add Cash Central, correct the states for Cash One, made all of the state names bold for easier reference, and get rid of all of the ones that were not direct lenders. This list is now completely comprised of legit cash advance lenders, none of the ones that shop your info around.
Legit Cash Advance Lenders In The US
Cash One
Payday One was one of the first online payday lenders around, and they are a direct lender. Their experience will help you get the money that you need as fast as possible. They aren’t as fast as some of the other lenders, but they approve more loans than the rest. On their website they have a little timer that shows you how much more time you have to apply today to get your cash tomorrow. You can expect your loan in your bank account the next day. Use the code CJCASH on your application to get 20% off of your application fee! Offer is good until 9/30/10.
Payday One operates in the following states: Alabama, California, Delaware, Florida, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Michigan, Minnesota, Michigan, Missouri, Montana, Nevada, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Wisconsin, and Wyoming . Updated to show that they no longer lend to Arizona.
Apply today to get cash by tomorrow with PayDay One!
Think Cash
*Updated 8/27/10* – It looks like Think Cash is halting their lending operations for a while. DO NOT apply for a loan with them, it won’t go anywhere!
Think Cash is known for having higher first time loans than other lenders do. They operate very fast and after completing the application you’ll hear back from them almost instantly. I’ve personally used these guys before and I had an excellent experience. I got my cash fast, used it, and paid it back all without issue or problem.
One thing to keep in mind with Think Cash is that they do check your credit. This may be a surprise to many, but it leads to much, much lower rates than you’d find from companies that don’t check credit.
We’re working on a list of which states Think Cash currently lends in.
Go to ThinkCash.com.
Speedy Cash
Speedy Cash is a direct lender that isn’t going to check your credit. These guys have been around for a very long time, and run a very successful local payday loan operation. Their online loans are just as good as those that you would get from going to one of their offices.
They lend money in Arizona (title loans only), Alabama, California, Hawaii, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Rhode Island, South Dakota, Utah, Washington, Wisconsin, Wyoming. Their website is surprisingly helpful, and will give you an explanation of their rates based on your state and local laws.
Click for Cash from Speedy Cash!
Cash Central
Cash Central is another of the ‘old school’ online cash advance lenders. What sets them apart from the pack is that they pride themselves on playing everything by the book. If you aren’t sure about whether or not cash advances are legit, Cash Central is for you. They really go out of their way to show you that they are licensed to lend in each state that they operate in, and they provide all sorts of help on how to build a budget for yourself and manage your money better. Another cool thing that they do is show you in depth charts of what your rates are going to be like by state and amount borrowed.
Cash Central operates in Alabama, Alaska, California, Delaware, Hawaii, Idaho, Kansas, Louisiana, Maryland, Minnesota, Missouri, Montana, Nevada, North Dakota, Rhode Island, South Dakota, Texas, Utah, Washington (state), Wisconsin, and Wyoming.
Cash Central: A Higher Standard in Payday Lending.
Canadian Cash Advance Lenders
Dollars Direct
Dollars Direct is the Canadian version of Cash Net. I’m fairly certain that they’re the same company. They are a direct lender, which means that they’re the ones that give you the money. Dollars Direct currently operates in Alberta, British Colombia, and Ontario. Their website is actually pretty helpful, and gives you a break down of rates based on where you live, as well as how much time you have to repay it. Use the code CJCASH on your application to get 20% off of your application fee! Offer is good until 9/30/10.
Apply Now and get Cash Today from DollarsDirect.ca!
UK Cash Advance Lenders
PaydayUK
Since we operate in the US it’s hard for us to have any direct experience with UK same day cash lenders. What we were able to do is talk to people and read reviews of companies and the only one that we’re comfortable recommending is PaydayUK. They’ve been around for a long time, have helped thousands of people throughout the UK, and still get great reviews for their customer service and loan terms. Use the code CJCASH on your application to get 20% off of your application fee! Offer is good until 9/30/10.
Apply for a loan at PaydayUK.
Payday Bank
Payday Bank is a relative newcomer to UK cash advances, but they have made a name for themselves as one of the best online cash lenders around. They are a direct lender, so you apply with them and they give you the money. They do, however, require that you are over 18, and have a minimum monthly income of 750 GBP. Other than those requirements, it’s pretty easy to get a loan. They don’t check your credit history either. Click on that little icon to the left to visit their website.
These certainly aren’t the only options out there, but they are the only ones that we’re comfortable recommending. They’ve maintained good business practices for years and have an extremely low rate of screwing people over!
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