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The Best Payday Loans And Lenders

by The Payday Hound - Payday Loans

Want to find the best payday loans? The best payday direct loans in your state? The best state licensed direct payday lenders? The Payday Hound has done the research for you and can help you find the best one for your needs.

First a couple tips, in general, if you take a payday loan and pay it off on time, most payday direct lenders behave the same. If you run into unexpected difficulties and are unable to pay the loan on time, this is when a state licensed payday direct lender could make a difference, as they are more tightly regulated than off shore lenders. Direct payday lenders are regulated by states, so if you want a licensed payday direct lenders, you need to find one that offers loans in your state. Below we list which states our top picks operate in, but if your state is not listed, use the Loan Finder to the left or our application to find a payday loan in your state. Visit Payday Loan Laws to learn more about licensed and unlicensed lenders. And now for our top picks based on different needs.

Best Payday Loans: State Licensed Payday Loan Lenders

Going with a state licensed lender means your state regulator monitors and evaluates this lender for compliance. There a national payday lending companies that are licensed in every state in which they operation. We likeCheck City, ACE Cash Express, or CashNetUSA. Each of these payday direct lenders is licensed in each state and must comply with each state’s laws. The fees for payday loans vary from state to state and can be lower or even better than the offshore entities who generally underprice these state licensed lender, so it’s a good idea to check the pricing and availability of these guys before going with an offshore lender. We use the pricing for Idaho residences for comparisons below.

check city payday loanCheck City charges $67.50 for a $300 payday loan in Idaho. As we mentioned above these fees vary by state and can sometimes be lower than offshore payday direct lenders so check the pricing for your state. For example, in Washington, Check City customers are charged $45 for a $300 loan, which is cheaper than the offshore lenders. The maximum loan amount for Idaho is $1,000 and you may renew the loan three times. Check City has an A+ score from the Better Business Bureau. Check City also has a referral program where you receive $30 for every friend you refer who takes out a loan and your friend will get 20% off their first loan. Check City offers payday loans in Alabama, California, Delaware, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, New Mexico, North Dakorta, South Dakota, Utah, Washington, Wisconsin and Wyoming. Check City opened its first store in 1986. Click here to apply to Check City.

ace payday loansACE Cash Express charges $75.00 for a $300 payday loan in Idaho. Again, fees vary by state, so check pricing in your state. For example, ACE Cash Express charges $51.00 for a $300 payday loan in Nevada. The maximum loan amount for Idaho is $1,000 and loans can be renewed up to three times. ACE Cash Express has an A+ rating from the Better Business Bureau. ACE Cash Express offers payday loans in Alabama, California, Delaware, Hawaii, Idaho, Kansas, Louisiana, Maine, Minnesota, Mississippi, Missouri, Nevada, Ohio, South Dakota, Tennessee and Texas. ACE Cash Express is one of the largest payday direct lenders in the country and has been in business since 1968. It has over 500 employees and has served over 38 million customers. It was a publicly traded company until 2006 when its current management took it private. Click here to apply to ACE Cash Express.

cashnetusa payday loanCashNetUSA charges $75.00 for a $300 payday loan in Idaho. Again, fees vary by state so check pricing in your state. CashNetUSA can also have lower fees than offshore entities depending on the state. The maximum loan amount is $1,000 and can be renewed three times for the state of Idaho. CashNetUSA also has a loan referral program. You earn $20 for every friend that opens a loan and your friend receives 20% off of loan fees. CashNetUSA has an A rating from the Better Business Bureau. CashNetUSA offer payday loans in Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Nevada, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Utah, Washington, and Wyoming. It currently has over 1 million customers. It started in 2004 and in 2006 was acquired by Cash America International, a publicly traded company with over 5,000 employees. Click here to apply to CashNetUSA.

Save Money, Pay On-Time: Off-Shore Payday Direct Lenders


Many of our users apply to off-shore payday lenders. These lenders import their country’s law into your state so are not regulated by your state and can be very risky but their pricing can sometimes be cheaper. If you choose to use one of these lenders make sure you understand the terms and stay on top of your loan. If you do not want to renew make sure you can control the automatic renewal process. The most popular of these off-shore lender among our users is Payday Max or Discount Advances, both lending from Anguilla, BWI. They generally have the lowest fees of the direct payday lenders we reviewed and appear more established than other off shore payday direct lenders. These could be the best payday loans if you pay on time.

payday max payday loansPayday Max’s payday loans cost $55.86 for a $300 loan and have 25% off for first-time borrowers for a fee of $41.88 for a $300 loan. They allow you to roll over the loan over three pay periods paying only fees and interest, but after three renewals you must pay $50 in principal for payday loans under $600.01 and $100 in principal for payday loans over $600.00 plus fees and interest until the loan is paid in full. If you are only paid once a month, you are required to pay principal on the second extension of $100 for loans under $600.01 and $200 for loans over $600.00. The payday loan amounts vary from $250 up to $2500. They offer loans in all states. Click here too apply to Payday Max.

discount advance payday direct loanDiscount Advance charges $52.50 for a $300 loan with a 25% discount for first-time borrows, which is $39.38 for a $300 loan. Their renewal features are the same as Payday Max and they offer payday loans in all states. In fact, we think these direct payday lenders are operated by the same entity as they are both based in Anguilla and their websites are very similar. Given this, we suggest going with Discount Advances, as they are slightly cheaper. Click her to apply to Discount Advance.

One Application Many Lenders: Payday Loan Network

paydayhound direct payday lendersThe above options require an application for each lender to whom you apply. So if you are rejected by one lender you must re-fill out an new application to apply to another lender. Applying through a payday loan network lets you use one application that gets sent to multiple lenders until one accepts your or there are no more lenders.

The Payday Hound has a payday loan network where you can apply for a payday loan. Your application will be sent to direct lenders through our own network and general payday loan networks. Our general lender networks include T3 Leads> and RoundSky. Our direct payday lenders matching service is 100% free to our users and you are under no obligation to take the loan even if you are approved. If you are approved you will be sent to the lender’s website. We do not have control over these lender’s websites or terms so make sure you read the loan terms carefully before accepting a loan. This service is private, safe and discreet. The sevice is completely online, faxless, and approvals are instant. To use this service, you fill out a single and simple form and we take care of the rest, including determining which payday direct lenders serve your state. Once you click apply, we send your application to our network of direct payday lenders and you can have up to $1000 cash within 24 hours. Click here to apply to multiple lenders at once.

Final Thoughts

We hope our research has made it easier to find a payday direct lender. Remember to review your loan documents before you accept the payday loan to understand when your loan is due, how much you owe, and when funds will be withdrawn from your checking account. Payday loans are designed for emergency short-term loans. Visit our Quick Fast Loans article to see a comparison of other options.

This article was updated on November 23, 2019