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Ez Payday Loans

Updated November 06, 2019

Most online payday lenders provide an EZ payday application and approval process.

There is really no distinction between an EZ payday loan application and a normal application as all online payday loan companies have streamlined their application processes. The loans are underwritten based on employment and not creditworthiness so can be made to individuals with poor credit. The loan process generally requires name, address, employer, monthly income, payday frequency and checking account details. EZ payday loan applications are typically the same as no faxing payday loans for standard applications although in some cases additional supporting information may need to be faxed or emailed. EZ payday loans can be approved in seconds. Once approved if you agree to the loan terms, cash is generally deposited into your account by the next business day.

Remember the cash deposited into your account is a loan and is due in full plus fees at the next payday. These fees can range from $10 to $45 per $100 borrowed. This type of borrowing is very expensive and should be used for emergency short term needs only. If you do decide a payday loan is the best option make sure to evaluate your choices carefully.

Licensed Lenders

The Payday Hound prefers state-licensed lenders. Payday loan lenders can be regulated by federal, state, or tribal laws. In the past, there were also offshore entities that tried to avoid all regulations but most have these closed in recent years. For US-based lenders, federal regulations are generally less stringent and less enforced than state regulations. State licensed lenders are monitored more closely by your state. In order to be state-licensed, lenders typically are required to apply, register, and remain compliant. Each state has separate licensing and compliance processes so the licensing and compliance process can be expensive and time consuming for lenders. State-licensed lenders are generally larger more permanent companies.

Unlicensed state lenders operate under the assumption they can export laws from their state, tribe, or foreign country into other states. Tribal lenders are American Indian tribes recognized as federal entities that operate under their own tribal laws. In most cases, Tribal lenders partner with an experiences lender that manages the loan program. The Tribe will provide their legal status while the partner operates the business.

Payday Loan Lenders

The Payday Hound reviews short-term lenders and ranks them according to our Sniff Test, costs, and licensing. To see lenders who provide loans in your state select your state from the table above.

Filter by state:
Company Name Description Rating
Check Into Cash

eligible credit type ⓘ

Visit Check Into Cash for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $100 - $25,000
  • APR: 195% - 521%
  • State Licensed Lender
Ace Cash Express

eligible credit type ⓘ

Visit Ace Cash Express for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $100 - $2,000
  • APR: 175% - 1,029%
  • State Licensed Lender
CashNetUSA

eligible credit type ⓘ

Visit CashNetUSA for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $100 - $2,000
  • APR: 299% - 456%
  • State Licensed Lender
LendUp

eligible credit type ⓘ

Visit LendUp for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $100 - $500
  • APR: 155% - 164%
  • State Licensed Lender
Cash Central

eligible credit type ⓘ

Visit Cash Central for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $100 - $5,000
  • APR: 180% - 740%
  • State Licensed Lender
Check City

eligible credit type ⓘ

Visit Check City for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $100 - $500
  • APR: 158% - 639%
  • State Licensed Lender
Quik Check

eligible credit type ⓘ

Visit Quik Check for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $100 - $500
  • APR: 146% - 548%
  • State Licensed Lender
Check 'n Go

eligible credit type ⓘ

Visit Check 'n Go for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $250 to $5,000
  • APR: 314% to 662%
  • State Licensed Lender
Speedy Cash

eligible credit type ⓘ

Visit Speedy Cash for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $100 to $2,000
  • APR: 178% to 680%
  • State Licensed Lender
Cash Advance Now

eligible credit type ⓘ

Visit Cash Advance Now for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $300 to $1,500
  • APR: 725%
  • Tribe Based Lender
Big Valley Financial

eligible credit type ⓘ

Visit Big Valley Financial for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $300 to $500
  • APR: 780%
  • Tribe Based Lender
East Side Lenders

eligible credit type ⓘ

Visit East Side Lenders for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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all
fair
good
great
  • Loans: $300 to $1,000
  • APR: 550% to 780%
  • Unlicensed Lender
MyPaydayLoan

eligible credit type ⓘ

Visit MyPaydayLoan for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
[close]
all
fair
good
great
  • Loans: $100 to $500
  • APR: 782%
  • Unlicensed Lender -- Costa Rica
Tremont Lending

eligible credit type ⓘ

Visit Tremont Lending for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
[close]
all
fair
good
great
  • Loans: $100 to $750
  • APR: 495%
  • Tribe Based Lender
NationalPayday

eligible credit type ⓘ

Visit NationalPayday for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
[close]
all
fair
good
great
  • Loans: $200 to $1,500
  • APR: 782%
  • Unlicensed Lender -- Costa Rica
Cash in a Wink

eligible credit type ⓘ

Visit Cash in a Wink for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
[close]
all
fair
good
great
  • Loans: $100, to $1,000
  • APR: 456% to 2,281%
  • Unlicensed Lender

* Rates and fees vary by state. Not all lenders operate in all states. Check each lender's website for up-to-date information.

Find Loan Lenders by State

Ez payday loans are state regulated so not all lenders make loans in all states. Select your state below to find available lenders in your state.