EZ Payday Loans

Updated April 15, 2019

Find A Lender In Your State!

We review more online lenders than anyone else we know. To see our top picks and get the best deal select your state below.
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Most online lenders provide an EZ payday application and approval process.

An EZ payday loan process generally requires name, address, employer, monthly income, payday frequency and checking account details. EZ payday loan applications are usually no faxing payday loans for standard applications although in some cases additional supporting information may need to be faxed if required. 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. 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. All payday loans are underwritten based on employment and not credit worthiness so can be made to individuals with poor credit.

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 need only. If you do decide a payday loan is the best option make sure to evaluate your choices carefully.

Payday Loan Lenders

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

Company Name Description Costs* Sniff Rating
Check Into Cash
Direct lender online or at stores.
Founding member of CFSA. Live chat.
Governing Law: State Lic.
Loan Amt: $300
APR: 510%
Cost: $57
Great
Cash Central
Discounts for repeat customers. Live chat.
B BBB rating. All credit types but does check credit.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
CashNetUSA
Get 50% initial loan fees. Code: NEWCASH50
Large online lender. Live chat
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Ace Cash Express
Large established lender. A+ BBB Score.
Multiple loan options. Physical store fronts.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Check City
A+ BBB Score and accredited. $30 referral credit.
One of the few payday lenders who are BBB accredited.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Loan By Phone
Online site powered by Check Into Cash
Member of CFSA, Live chat.
Governing Law: State Lic.
Loan Amt: $300
APR: 510%
Cost: $57
Great
Cash 1
Nevada Licensed storefront and online lender.
Payday loans for NV only. Same day cash pick up at stores.
Governing Law: State Lic.
Loan Amt: $300
APR: 469%
Cost: $54
Great
Check 'n Go
Solid state licensed lender.
F BBB score for no response to compliants.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Quik Check
State licensed lender. Pricing shown based on Utah.
Competitive pricing. They have store fronts.
Governing Law: State Lic.
Loan Amt: $300
APR: 548%
Cost: $63
Great
Cash Store
State Lic lender. Storefront lender only.
Must go to store to complete application.
Governing Law: State Lic.
Loan Amt: $300
APR: 585%
Cost: $67
Great
Speedy Cash
State licensed lender. Pricing shown is based on SD.
Pricing appear competitive. They have store fronts
Governing Law: State Lic.
Loan Amt: $300
APR: 652%
Cost: $75
Great
Payday Loan Today
Neveda licensed national lender.
Informative website. Flexible payment terms.
Governing Law: Nevada
Loan Amt: $300
APR: 510%
Cost: $58.74
Fair
MyCashNow
Stopped Accepting New Applications
F BBB Rating, Based in Canada.
Governing Law: Canada
Loan Amt: $300
APR: 485%
Cost: $56
Fair
Discount Advances
Stopped Accepting New Applications
No responses to BBB complaints.
Governing Law: Anguilla
Loan Amt: $300
APR: 456%
Cost: $53
Fair
PayDay Max
Stopped Accepting New Applications
No responses to BBB complaints.
Governing Law: Anguilla
Loan Amt: $300
APR: 485%
Cost: $56
Fair
AAA Payday Cash
Makes loans based on UT laws.
Use to have A rating by BBB but now unlisted
Governing Law: UT
Loan Amt: $300
APR: 651%
Cost: $75
Fair
Integrity Advance
Offers loans in multiple states.
F BBB rating, phone contact available.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $90
Fair
Cash Advance Now
Tribal lender. Upfront disclosures and pricing.
Appear to have purchased name and domain in Sept 2012.
Governing Law: Tribe
Loan Amt: $300
APR: 782%
Cost: $90
Fair
MyPayDayLoan
Revamped website. Up to $600 1st time.
Been in business over 10 years.
Governing Law: Costa Rica
Loan Amt: $300
APR: 782%
Cost: $75
Bad
USAdvance
Not a state licensed lender.
Bsed in Federation of Saint Kitts and Nevis
Governing Law: St Kitts and Nevis
Loan Amt: $300
APR: 782%
Cost: $90
Bad
AmeriCash Advance
No longer taking applications.
Taken over by Platinum Finance Co.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $90
Fair
Jupiter Funding Group
Very limited information on website.
No BBB Rating. No privacy policy.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $90
Bad
East Side Lenders
Offer loans in all states.
C- BBB rating. Dispute settled through arbitration.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $490
Fair
NationalPayday
One of the simplest applications.
No BBB Rating, Based in Costa Rica.
Governing Law: Costa Rica
Loan Amt: $300
APR: 651%
Cost: $75
Bad
Payday Avenue
Appear to be Canada based.
No renewals allowed.
Governing Law: unlisted
Loan Amt: $300
APR: 938%
Cost: $108
Fair
Payadvance
No longer accepting new applications
Costa Rica based lender.
Governing Law: Costa Rica
Loan Amt: $300
APR: 460%
Cost: $53
Bad
Tremont Lending
Appears to be basic tribal based lender.
Site updated with pricing. States not listed.
Governing Law: Tribe
Loan Amt: $300
APR: 782%
Cost: $90
Fair
Cash in a Wink
Settled in 2012 with California for excessive fees.
Bare website. Appear to be Delaware based.
Governing Law: Delaware
Loan Amt: $300
APR: 608%
Cost: $75
Bad
BorrowSource.com
Very limited information on website.
Appears to be unlicensed lender. Maybe offshore based.
Governing Law: unlisted
Loan Amt: ?
APR: ?
Cost: ?
Bad
Sonic Cash
Eligible states not listed.
Very little information available
Governing Law: unlisted
Loan Amt: $300
APR: 912%
Cost: $105
Fair
Castle Payday
Site has unclear pricing and limited info.
Does not appear to offer loans in all states.
Governing Law: Tribe
Loan Amt: $1000
APR: 913%
Cost: 350
Bad
AmeriLoan
Charged by FTC: inflating fees and illegal actions.
No pricing information provided.
Governing Law: Tribe
Loan Amt: ?
APR: ?
Cost: ?
Bad
United Cash Loans
Charged by FTC: inflating fees and illegal actions
No pricing information provided.
Governing Law: Tribe
Loan Amt: ?
APR: ?
Cost: ?
Bad
OneClickCash
F BBB Rating and strong warning.
The Payday Hound suggests avoiding this one.
Governing Law: Tribe
Loan Amt: ?
APR: ?
Cost: ?
Bad
Wells Fargo
NO LONGER OFFERED. Phased out May 24th, 2014.
Advance limit is lower of $500 or 50% of direct deposit amount.
Governing Law: State Lic.
Loan Amt: $300
APR: 195%
Cost: $23
Great
500FastCash
Charged by FTC: inflating fees and illegal actions
No pricing information provided.
Governing Law: Tribe
Loan Amt: ?
APR: ?
Cost: ?
Bad

* Costs vary by state. Cost shown are based on pricing for Delaware residents when available. Check each lender's website for updated information. Some lenders will not provide pricing data until an application is completed.