Best Payday Loans 2020 | Zoom Fintech


Best Payday Loans 2020

It can be difficult to find the best payday loans online. There are many payday lenders you can choose from and the easiest way to find the right loans is to do your research. It is important to compare different lenders. Ask each lender questions to find the one that offers you the best loan deal. The questions you ask may vary depending on your needs, but there are three questions you should always ask.

CashNet United States

CashNet United States

Super efficient fund delivery with industry standard rates

Equivalent APR offered: 391% | BBB Rating: B- | Trusted pilot’s note: 4.6 / 5 | States: 30 | Physical stores: 0 | Telephone: N | In line: Yes

Very well established company

Fast processing from quote to delivery of funds

Free online resources


CashNetUSA has been in business since 2005 making it one of the most established companies in the payday lending industry.

The company specializes in short term, single installment loans for customers with low credit ratings and also offers installment repayable lines of credit for eligible customers. It is actively operating in 30 states, making it one of the largest of its peers, offering loans to new clients between $ 100 and $ 3,000. Be aware that some states have a lower maximum loan amount and customers should verify this information before applying.

CashNetUSA’s rates are in line with industry averages, and it has very fast processes for approvals and delivery of funds to accounts receivable, sometimes on the same business day. It has a few resources to help those trapped in a cycle of debt, with access to online savings programs through its business partners, and a host of financial education modules that should also be a boon for them. clients.

LendUp – Best Payday Loans 2020

Review of LendUp Payday Loans

To lend

An attractive and ethical option above other companies

Equivalent APR offered: 391% | BBB Rating: A + | Trust Pilot Note: 4.8 | States: 7 | Physical stores: 0 | Telephone: No | In line: Yes

Competitive rates

One-time payment and installment options

Cheaper rates for loyal customers

Client’s finances will be analyzed by a third party

LendUp is an online lending company specializing in providing small loans – both single payment loans and installment loans – for short periods.

It is aimed at borrowers who do not necessarily have a good credit rating or no credit rating, LendUp providing clients with a range of tools and avenues for better credit scores, which can lead to lower rates. of interest if customers continue to use the company’s products. .

LendUp was founded in 2012 in San Francisco and is an attractive option, with competitive rates compared to other short-term loan companies, and rewards repeat customers who repay their loans on time or take some of its courses. free financial education. LendUp’s stated goal is to interact with customers in an ethical manner and it does not promote “revolving” loans to trap customers in a cycle of debt.

Check Into Cash – Best Payday Loans 2020

Review of Payday Cash Loans

Cash check

Simple quotation process, but cheaper options available

Equivalent APR offered: 399% | BBB Rating: A + | Trust Pilot Note: 4.4 / 5 | States: 30 | Physical stores: 1,100 | Telephone: N | In line: Yes

1,100 physical storefronts in 30 states

Simple quotation process

Online requests are usually approved within an hour

Prices are average, but cheaper options can be found

Check Into Cash was founded in 1993 in Tennessee. The company is a direct lender with physical stores in 30 US states as well as telephone and online services. It specializes in providing online payday loans, in-store cash advances, in-store securities lending and check cashing, among other financial services.

It typically serves clients who have faced unforeseen expenses, need a paycheck advance, or have other short-term financial assistance needs. The company offers loans to people with low credit scores and its loan amounts range from $ 50 to $ 1,000, although new customers can usually only borrow up to $ 750 (or their state’s maximum. ).

Check Into Cash is a relatively well-known brand and the large number of physical storefronts reassures many customers. Its rates are well in line with industry averages, and funds can be made available immediately for clients applying for payday loans in person. He is as renowned as any of the big names in the industry, backed by a clear commitment to best practices and ethical behavior.

Check ‘n Go

Review of Check 'n Go Payday Loans

Check ‘n Go

Fairly average loan company with average industry rates and practices

BBB Rating: A + | States: 27 | Physical stores: 1,000 | Telephone: Y | In line: NOT

Over 1,000 physical storefronts across the country

Interest rates that are well within the industry averages

Good ratings from official bodies, including CFSA

No late fees are shown, so check on the app

Check ‘n Go started out as brick-and-mortar stores before moving to online lending as the internet became more widespread.

Check ‘n Go is operational in 27 states in the United States, with over 1,000 physical storefronts, making it a good option for people who want to deal in person with lenders.

New Check ‘n Go customers can apply to borrow between $ 200 and $ 3,000 for a month, although some states have a lower maximum loan amount and customers should verify this information before applying.

On the face of it, Check ‘n Go is a fairly average loan company with average industry rates and practices. It’s represented in a number of states, but by far its biggest advantage is its large number of physical storefronts. Many low-credit clients prefer to deal in person with their loan managers, which also means that funds can be deposited into a potential client’s checking account faster than over the phone or through an online application.

Check ‘n Go has a good rating with BBB and Trustpilot, and its CFSA membership is a positive sign.

Timely – Best Payday Loans 2020



Responsible loan at a very acceptable rate

BBB Rating: A + | Trust Pilot Note: NA | States: 12 | Physical stores: 0 | Telephone: N | In line: Yes

Claiming to be ethically better than your rivals

Offers both single payment plans and installment plans

Access to free financial education services

Only works in 12 states

Oportun has issued more than 3 million loans since it began operations in 2005. The company says it only lends responsibly, which means customers’ ability to repay is strongly considered before a loan be granted. It claims to offer affordable repayment plans and accept payments in multiple forms, as well as promoting civilized customer service and not hiding any fees. It also offers ways to improve credit scores through on-time payments etc.

In terms of interest rates and customer service, Oportun is relatively straightforward and easy to manage. As a business, it only gives loans to those who can afford the repayments, and it seems to have policies in place (such as proof of income) to help make this a reality. Her financial education and management resources are free and available to all potential clients and she works with credit bureaus nationwide to help clients with zero or very low credit scores establish a better position. advantageous for the future.

Rise Credit – Best Payday Loans 2020
Review of Rise Credit Payday Loans

Increase credit

Works to make repayments affordable, but more expensive than other options besides payday loans

BBB Rating: A + | Trust Pilot Note: 4.6 / 5 | States: 31 | Physical stores: 0 | Telephone: N | In line: Yes

Can improve your credit rating

Free online financial resources

The program rewards loan repayments on time

More Expensive Rates Than Options Outside Payday Loan Companies

Rise Credit says it seeks to work with its clients to make repayments affordable and avoid some of the most predatory and exploitative practices in the payday lending industry in general.

Rise Credit has been in business since 2014 and offers loans ranging from $ 4,500 to $ 5,000, as well as operations in 31 United States.

Rise Credit is a relatively ethical lending company that backs its products with many resources to help clients manage their finances. Its rates, while still more expensive than other options besides payday loans, are competitive and its lack of prepayment penalties and pathways to better credit scores is definitely a plus.

Speedy Cash – Best Payday Loans 2020

SpeedyCash Payday Loans Review

Fast cash

Lower charges but slightly lower loan amounts as well

BBB Rating: NA | Trust Pilot Note: 4.6 / 5 | States: 14 | Physical stores: 200 | Telephone: Y | In line:

Lower reimbursement fees

Online, telephone and physical contact points

Support for customers with low credit

No Better Business Bureau Rating

Speedy Cash began operations in 1997 in California and has grown to operate in some 28 states at the time of writing. In addition to developing telephone and online touchpoints, Speedy Cash operates a number of physical storefronts, with just over 200 locations in 14 of those 28 states.

Payday loans are available from $ 100 to $ 500, although these figures depend on the laws of each state regarding the maximum loan amount. Speedy Cash has a few things that make them great if you are looking for a payday loan. First, its rates were slightly below average, even though the amounts available to borrow were slightly lower than those of other companies in the same industry.

Second, it has physical storefronts in half of the 28 states where it is active, making it useful for clients who prefer to talk to someone in person about their loan application (decisions and delivery of funds). also tend to be faster in general stores). Although it doesn’t have a Better Business Bureau rating, it scores high on Trustpilot and its CFSA membership speaks well because there is at least a nod to ethical behavior.

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