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Archives for actual cash advance lenders

Actual Cash Advance Lender: Payday Loans Today

Payday Loans Today is a real cash advance lender based out of Nevada. Even though they are a fairly new lender, they have some things that set them apart from the pack.

First off, Payday Loan Today has very low rates when compared to other lenders.  The average rate for a cash advance is usually around $25 for each $100 that is borrowed, but Payday Loan Today only charges $15.  This saves you a ton of money, and is a good reason to check this lender out!

The problem is that they are not a no fax lender.  They require that you fax them a copy of your most recent paycheck stub and a copy of your bank statement.  A lot of people stress about getting a copy of their bank statement, but if you have online banking you can print it from right there.

To get approved with Payday Loans Today you’re going to need a minimum $1000 monthly income, not be a temp worker at your job, and have direct deposit.  I know that the direct deposit thing is a bit of a bummer, but if you have it than I don’t see a reason why this lender wouldn’t approve your loan.

Payday Loans Today lends in the following states: California, Colorado, Florida, Illinois, Indiana, Maryland, Michigan, Minnesota, Pennsylvania, Tennessee, Texas, Virginia, and Washington.

Get $500 within 24 Hours! Fast, Quick & Reliable! Guaranteed Paycheck Advances!

Real Cash Advance Lenders By State

Finding a legit cash advance lender is tough to do, this is why I’m working to put together a complete list of the companies that will actually lend you money.  It may surprise you that for all of the thousands of websites out there that are “offering” cash advances there are only a comfortable that I’m confident recommending.

The criteria that I used when putting together this list is as follows:

  • They actually lend money, not shop your loan out to other people
  • They’re licensed by each state that they lend in
  • They’re no fax (with the exception of Payday Max, but they’re new customer specials make up for that)
  • It’s easy to find the rate that you’re going to pay on their website
  • They can get you money by the next business day at the slowest
  • And are an all around legit company

So far I’ve only been able to come across six of these lenders in the US.  There are so many shady lenders out there that it’s hard to believe that there are so few!  I have four more on my radar that I have yet to fully inspect, but as I do this list will be updated.

This list doesn’t include any local lenders that you might have.  Your phone book is the best place to find those.  These are all online lenders that are licensed to lend money in your state.

Everything is sorted alphabetically, so just scroll down until you get to your state.  Clicking on any of the links will take you to a page that I wrote with more information.

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Nothing yet.

Connecticut

Delaware

Florida

Georgia

Nothing, cash advances are very much against the law in your state!

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

And as always, you can head back to our list of cash advance lenders if you’re looking for more information.  This list is going to be updated whenever I can verify another lender.  Last update was 4/11/2011.

Actual Cash Advance Lender: Payday One

Payday One is another ‘old school’ cash advance lenders. They have been lending online since 2002.  Think Cash is their parent company, and they are one of the most legit lenders around!

One cool thing about Payday One is that they don’t make huge promises that they can’t deliver.  Many lenders say that they will lend up to $1500, but to qualify for a loan of that size your yearly income would have to be about $75,000!  Instead they say that their loans are between $100 and $500, which is the same that you’ll get at any lender, but they are completely honest and upfront about it!

Like most of the other lenders that we talk about on this site, they are a true no fax payday loan lender.  However, if there is something that they aren’t able to verify on your application you will have to fax the paperwork to them.  This is rare, but you should still do everything you can to be as thorough and honest on your application as you possibly can.

Applications sent after 5PM CST will be processed the next day, so if you’re using Payday One, do so early in the day!

Payday One operates in the following states: Alabama, California, Delaware, 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.

If you want a cash advance lender that has a lot of experience helping people out in your situation and will be upfront and honest with you throughout the entire process, Payday One is the way to go!

Apply today to get cash by tomorrow with PayDay One!

Actual Cash Advance Lender: Speedy Cash

Back when you could still get cash advances in Arizona (and I still lived there), Speedy Cash was the first lender that I ever used.  It was a surprisingly simple experience, and it looks like they’re still maintaining that high level of service.

They lend in many states, and can provide loans in Arizona when many other lenders are not able to.  The cool thing is that Speedy Cash isn’t breaking the law by lending in Arizona, instead it’s like a cross between a cash advance and a title loan.  You need to own a car, but it doesn’t necessarily have to be paid off to qualify.  Rather than paying your loan back next payday, it will be stretched into several biweekly or monthly payments.

They are also a real no fax cash advance lender.  That means that you don’t have to send them anything with your application, but in the small chance that they aren’t able to verify something you may be required to fax some paperwork to them.

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.

If you’re looking for a lender that isn’t going to jerk you around with stuff that you really don’t need, Speedy Cash is the way to go.  They’re very fast and provide excellent customer service, which is really all that’s necessary when you need money right now!

Click on the link for Fast Online Cash Advances!

Actual Cash Advance Lender: Cash Central

Cash Central prides themselves on being the most legit online cash advance lender.  They go well out of their way to show you that not only are the licensed to lend in the states that they operate in, they also do so ethically and transparently.

I believe that these statements from them are true, but they don’t lend in very many states.

What’s really cool about Cash Central is that they honestly want to help you out.  Along with your loan you can also opt in to getting help with your budget and tips for saving money in all aspects of your life.  Even if you don’t want to get all of that information, it’s still something that increases respect and legitimacy for the company.

Cash Central is a no fax cash advance lender, but they may require that you send some paperwork if they aren’t able to verify something electronically.  Just make sure you know where to find a fax machine just in case you need it.

Cash Central operates and is licensed 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.

If you’re looking for a lender that you can trust is legit and willing to help you out, Cash Central is the way to go.  They don’t work in a whole lot of states, but if you’re fortunate enough to live one that they do, I recommend you at least check them out!

Cash Central: A Higher Standard in Payday Lending.

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