The Top 10 Payday Lenders
Payday loans have become increasingly popular, but you must do your research before getting a loan. With multiple lenders and loan amounts up to thousands of dollars, it is best to completely understand what your needs are and how much money you truly need. Our top 10 payday lenders on this page offer a complete review of what they have to offer as well as comparison charts so you can analyze what is best for you.
Top10PaydayLenders.com is a site committed to helping people find the best payday loan for their needs. To offer this service, we receive advertising revenue from the lenders that we feature below.
Rank | Provider | Max Loan Amount | High Lights | APR % | Rating | More Info |
1 |
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$1,000 | ![]() ![]() |
391% Average | ![]() |
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2 | ![]() |
$2,500 | ![]() ![]() ![]() ![]() |
200% - 2,290% | ![]() |
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3 | ![]() |
$1,000 | ![]() ![]() ![]() ![]() |
20% - 290% | ![]() |
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4 | ![]() |
$2,500 | ![]() ![]() ![]() ![]() |
65.3% - 1409.3% | ![]() |
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5 | ![]() |
$1,000 | ![]() |
210% - 1,200% | ![]() |
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6 | ![]() |
$1,000 | ![]() ![]() ![]() ![]() |
29% - 290% | ![]() |
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7 | ![]() |
$5,000 | ![]() ![]() ![]() |
35% - 795% | ![]() |
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8 | ![]() |
$1,000 | ![]() |
153% - 1,042% | ![]() |
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9 | ![]() |
$1,000 | ![]() |
20% - 1,200% | ![]() |
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10 | ![]() |
$10,000 | ![]() |
198.3% - 924.1% | ![]() |
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Please note the payday loans shown on the Top10PaydayLenders.com are regulated and banned in some stats. Also not that that the information shared on Top10PaydayLenders.com are offers from the partner site and we advise all customer to confirm interest rates and terms before you engage and confirm a loan.
APR Range
Top10PaydayLenders.com does not provide payday loans, nor is Top10PaydayLenders.com a lender. Top10PaydayLenders.com is a third party service that refers customers to payday lenders. It is the obligation of the customers to know the APR (Annual Percentage Rate) of the loan for the particular loan period. APRs, can fluctuate on occasion, and are determined at the discretion of the lender. If customers do now agree with the APR, Top10PaydayLenders.com advises that the customers do not to take the loan and continue shopping for a loan they feel is more suitable to their needs.
Please keep in mind that the APR range is an annual percentage rate. Payday loan lenders also list the APR, but a payday loan is not an annual loan product. Payday Loans are short term loans, and the rate range from 300-800% because of the short loan period. For more information on how APR is calculated we advise you to check alternative sources.
Who Needs A Payday Loan?
Many people use Payday Loans to handle the unexpected life emergencies. Whether it is an unexpected car repair, or medical bill, you never know when you will need a payday loan. All lenders need to verify a customer's employment status, age and social security number. It is not advisable that customers who need help every month to pay their expenses take on these loans. These loans are meant to help those in need who can pay back the loan in a timely manner. These loans have a very high interest rate.
Notice
Payday Loans are only for a limited time, and need to be paid back by the next payday. It is in the customer's best interest to do research before selecting a payday loan that they feel is right for them. Customers must understand that when they sign the document, they are obligated to pay back the loan by their next payday, or earlier. Customers must also understand they are under no obligation to sign the loan document if they do not feel comfortable with any of the language, APR, or repayment terms. Customers must also take into the account that there will be multiple fees and accumulated interest if they are not able to pay back the loan in full on the agreed upon date.
If customers cannot pay back their loan in full by the agreed upon date, it is in the customers' best interest to alert the lender immediately. Alerting the lender immediately will help start the discussion on an alternative payment process. Customers may or may not save money doing this. However, if customers wait until the last minute, the lender will typically impose fees and the customers will be delinquent on the loan.
Important Information on Personal Loans
While personal loans have lower APRs than payday loans, they are still a form of credit and must be paid off. In addition, there are always risks when borrowing and there are consequences if the loan is not paid off. If the loan is not paid, you may be reported to a collection agency and face financial and credit score penalties.
State Laws
In some states, Payday Loans are illegal. Payday Lending is governed at the state level and several states have banned the use of Payday Lending. A customer must do their research beforehand to see if their state of residence approves the use of payday lending