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Vermont Payday Loans

2019 Vermont Lender Rankings

We have reviewed 6 Vermont payday loan lenders.

Our review of payday loans considers three areas: reputation, cost, and features. Reputation considers state licensing and Better Business Bureau scores. Cost is based on terms, fees, and rates. Features include things like credit reporting or fee transparency.

A listing in this table is not an endorsement. This table includes all lenders we have reviewed who offer loans to Vermont residents.

Filter lenders by state:
VT Lender Description Sniff Rating
Tremont Lending
  • Appears to be basic tribal based lender.
  • Site updated with pricing. States not listed.
  • Governing Law: Tribe
Fair
Cash Advance Now
  • Tribal lender. Upfront disclosures and pricing.
  • Purchased name and domain in Sept 2012.
  • Governing Law: Tribe
Fair
East Side Lenders
  • Offer loans in all states.
  • C- BBB rating. Dispute settled through arbitration.
  • Governing Law: DE
Fair
NationalPayday
  • One of the simplest applications.
  • No BBB Rating, Based in Costa Rica.
  • Governing Law: Costa Rica
Bad
OneClickCash
  • F BBB Rating and strong warning.
  • The Payday Hound suggests avoiding this one.
  • Governing Law: Tribe
Bad
Cash in a Wink
  • Settled in 2012 with California for excessive fees.
  • Bare website. They do list their fees.
  • Governing Law: Not clear.
Bad

* Based on our analysis these lenders offer loans to Vermont residents. We aim to keep our information accurate but check each lender's website for up-to-date information.

Vermont Payday Loans Details

Payday lenders are prohibited by Vermont regulators from offering payday loans to Vermont residents. This means there are no Vermont licensed or regulated payday lenders in Vermont. Although The Payday Hound discourages it, Vermont residents may be able to choose from tribal, out-of-state, or foreign-based lenders for payday loans. See Vermont Payday Loan Laws for links to Vermont banking and finance regulators. These links will provide more information on the legal aspects of payday lending in Vermont. In states where payday lending is permitted, lenders are licensed and regulated by the state.

Unlicensed payday lenders include tribe-based lenders, lenders licensed in other states, and foreign-based lenders. Tribal and out-of-state licensed payday lenders operate under the interpretation that they can export their tribe or state laws into Vermont and are required to adhere to federal lending laws but not Vermont regulations. Federal laws may be less restrictive and less frequently enforced. The final group of lenders is foreign-based payday loan lenders. They export their countries' laws into Vermont and are highly unregulated. See How to Choose A Payday Loan for more details.

The above is our understanding of how payday lending works in Vermont, but we are not a law firm. Please contact the Vermont Department of Financial Regulation for more information.

The Payday Hound reviews payday lenders and ranks them according to our Sniff Test (reputation), costs, and licensing. The list below includes both regulated banks as well as off-shore entites. Being included on our list is not an endorsement or certification. The list is a ranking and is designed to help borrowers rate and judge the quality of lenders. This means it may include lenders we believe to be honest as well as those we would deem to be predatory.