Pay day Loans

Quik Payday - (Last Updated August 13th, 2005) From their website:

Short on cash? Quik Payday provides cash fast!
Quik Payday offers the quickest cash advance services. If you need extra cash til payday, Quik Payday is a quick and secure way to get fast cash.

The Quik Payday Process
Complete and submit a payday loan application
  Receive quick loan approval
  Get a payday loan of up to $500
  Cash is deposited directly to your account
  Confidential and secure

What I found:
Their site is one of the better ones on pay day loans. They provide clear information, and they charge $20 for every $100 borrowed. This is one of the lowest rates I was able to find for these online payday loans. They have 24 hr support, which is the first company I've seen offering that level of customer support. First loan can borrow up to $300, but then can borrow up to $500 after two successful cash advances. Can extend a loan for an extra fee. Site domain name first registered April 5, 2000, so they have been around a few years.

Mypaydayloan.com -Update August 13th, 2005 - NO FAX PAY DAY LOAN OPTION NOW AVAILABLE - First Loan Free

How much does a loan cost me?
The fee for advancing a check is 25% of the amount borrowed, so for $100.00 the fee is $25.00 or $125.00 total. [FIRST LOAN FREE!]

What is the period of time the loan is designed for?
This is a payday advance therefore your due date is based on when you get paid. If your upcoming paydate is less than 6 days away from the date the loan was made, we will not use it as your first due date. Instead, we will use your second payday (up to 18 days total). If, however, your upcoming pay day is farther than 6 days from the date the loan was made, then your upcoming pay date will be used as your due date.

How many times am I allowed to extend this loan?
You can extend this loan as many times as necessary, however, these are intended to be short term and should be paid back quickly.

What amount will be deducted from my checking account on my due date?
You are required to submit a payment request. However, if you fail to submit a payment request, then your total amount due will be withdrawn from your checking account on your due date.

Information I could find on Mypaydayloan
$25 for every $100 borrowed (Now offering first loan free). No fax option available! Qualifying terms are now very clear on the website. You must have a checking account that is at least 3 months old, and you must make at least $1000 per month. On your first loan you can take out $300, but on the second you can take out $400, third is up to $500, and after that, you can take out up to $1000. You can extend the loans. Site was first registered Oct 18, 1999 so they have been around longer than the other sites I found.

Loan-Till-Payday.com (added 4/8/04 - updated 8/13/05) Hassle-Free Emergency Cash Loans provides fast payday cash advance loans to help you and your family through any emergency loan situation. 30-second approval for up to $1000. They report having a very hassle-free FAXLESS loan process.

Rate is $30 per every $100 borrowed. Requirements are pretty standard:
• You are currently employed for at least 2 months or receive recurring Benefit income.
• You make at least $1000/month if employed or $800/month if on a fixed income.
• You currently have an active checking account.
• You have a working home phone where you can be contacted.

Fees are on the high side, but report having a 93% approval rate for loans up to $1000. They also will offer to lend you money even if you only get paid once a month - many other companies require you get paid twice a month.

Loans are NOT available to residents of New York, Kansas, Colorado, Georgia, Mass., and Idaho.

PayCheckToday.com (Added 8/14/05) - Apply Now!

Per their web site:
Get Up to $1000 Cash in 24 Hours!
It's Fast - Approved in 30 Seconds.
No Faxing Required...It's Easy!
No Credit Check

Is this 100% faxless?
Yes, as long as we can verify all the information on your application. There are instances where we may request a copy of a recent paystub, bank statement, or voided check.

Complete our EXPRESS online application
The PaycheckToday online application is fast and confidential. Simply provide us with the required information about yourself, your income, and your bank checking account. Applications are pre-approved in just 30 seconds! Based on your application, you may qualify for a payday loan up to $1000. Your credit rating isn't important.

Apply Now »

Your funds will be put in your bank account the next day.
After you have been approved for a loan, your registered bank checking account will receive the approved funds on the next business day. (Assuming transaction was completed during before the close of business that day.)

Apply Now »

Take Advantage of our flexible payment options.
We offer several payment options to work with your specific needs.

More info »

What I was able to find:
This is a very well laid out site, with clear information. They do make it clear they have a faxless option. Their rates are higher than many other companies now, being $30 per $100 borrowed. They offer loans up to $1000. They allow up to 4 loan renewals.

Loans are not available to residents of Kansas, Georgia, or New Mexico.

Half-Price payday loans. - PayDayOK (updated 8/21/05) - From their website:

PayDay OK offers you totally secure, 100% online transactions and instant results 24/7 without the headaches of faxing or paperwork. And with PayDay OK, you can expect fast electronic deposit, no credit checks and no hassles. Best of all, our loan rates are a fraction of the cost. So save time, save money and save the day – with PayDay OK!

Information I could find on PayDayOK
$10 for every $100 borrowed (the lowest I could find) with a Low-Cost Guarantee. Also, no faxing required. They had no information on how much you need to earn or how long you need to be employed. They have one of the nicest and most informative sites I have seen.

123OnlineCash offers you up to $1500 Cash!! (Updated August 13, 2005)

Qualifications:
Currently have a job (or receive regular income)
Make at least $1000 per month
Are 18 years of age or older and a U.S. citizen
Have a checking account
Other requirements may apply
Even bankruptcy, bounced checks, charge-offs and other credit hassles don't prevent you from getting the cash advance you need!

It appears that you complete their 2 minute application, and then they match you with a lender, with some of their lenders offering up to $1500 loans. They do not show the requirements for the $1500 loans, nor do they show what their typical fees are. It does appear they have a no faxing option as well.

You could Get 500 Bucks by Tomorrow! 2 Minute App. - 123 Online Pay Day Loans (Added January 14, 2005)

Unable to find their rates, but qualifications appear similar to other companies. From their site, they claim to offer the fastest cash on the net, no credit checks, no paper hassles, nothing to fax, and if you apply online, they will contact you within an hour. You can extend your loan if necessary.

Fast Cash Preferred CARD (added 7/22/04) - Have access to apply for CASH 24 hours a day, 7 days a week!

From their website -
The FastCash Preferred Card is a Stored-Value card issued by a financial institution and processed by Lynk Systems, Inc. using the name "Cash Lynk." It works just like an ATM Debit card, but without requiring you to have a deposit account at that institution. After the proceeds of a loan are loaded onto the card, it can be used like any other ATM debit card with the same worldwide access. You can charge retail purchases at point of sale (POS) terminals or withdraw cash at ATMs up to the cash limit of the ATM or the card’s available balance. The available balance is determined by the amount of funds the cardholder has loaded onto the card and has not previously withdrawn.

What I found:
I'm not entirely sure I understand how this works, but it appears this is a payday loan with a twist. Basically, you get your pay day loan approved, and then you can withdraw your balance from any ATM machine. I couldn't find any information on their rates.

National Fast Cash - (Updated January 14, 2005) Get an OVERNIGHT Advance of up to 5OO Bucks

To Qualify:
- Currently have a job (or receive regular income)
- Make at least $1200 per month
- Are 18 years of age or older and a U.S. citizen
- Have a checking account
- Other requirements may apply

Even bankruptcy, bounced checks, charge-offs will not automatically lead to your being rejected.

They say that their fees for their cash advance pay day loan depends on the information you provide to them.

EZPaydayCash.com - added 9/14/03. Appears to be a fairly typical payday loan company. Fees are $25 / $100 borrowed. The first loan may be up to $300, and subsequent loans can be increased up to $100 each time to a maximum of $1000. Their requirements to qualify are: 1) Direct deposit. 2) Have your current job for at least 3 months. 3) Have a valid checking or savings account for at least 3 months. 4) Monthly net income minimum of $1,000.00.

PersonalCashAdvance.com - (added 9/27/03) offers $100-$500 payday cash advance loans. What I found:

In order to qualify:
• You're currently employed or receive recurring income regularly.
• You take home at least $1000/month if employed or $800/month if on a fixed income
• Your paycheck is direct deposited into your savings or checking account.

Do I need anything else?
After completing an application, you will be asked to fax in copies of the following documents:
• Copy of drivers license, State issued ID or Military ID.
• Copy of a bank statement within the last 30 days.
• Copy of a personal check marked "VOID".
• Copy of your most current pay stub.

What if I have bad credit or a bankruptcy?
Not a problem! Personal Cash Advance does not obtain a credit bureau report to qualify you for a cash advance payday loan.

The Cash Station.com (added 7/7/04 - updated 8/13/05) - easy, no hassle loans of up to $500.00.

From their site, requirements for approval:
- Have had your current job for at least 90 days
- Be 18 years of age or older and a citizen or permanent resident of the United States
- Have take home pay of at least $1000/mo after taxes
- Have a current home and work phone number and valid email address

They say you can qualify for loans from $100 to $500.

Can I still get a loan if I have bad credit or a bankruptcy?
A cash advance is a no credit check loan. Your credit rating does not matter. Bankruptcy, charge offs, bounced checks, and other credit issues do not affect your ability to get a cash advance or paycheck loan.

How long does it take?
CashAdvance.com has one of the fastest turnaround times available online. Our secure application takes about 5 minutes to complete. Once you have completed the online forms your loan application will be reviewed and normally funded the next business day.

What I was able to find: It appears this is another clearinghouse where they will accept your application, and then find a lender for you. Because of this, I have no way to know what their rates are for payday loans.

PayDay Central - Updated January 14, 2005

To Qualify:
-Currently have a job (or receive regular income)
-Make at least $1000 per month
-Are 18 years of age or older and a U.S. citizen
-Have an active checking account
-Other requirements may apply

I was unable to find their rates. They claim they do not require faxing and do not do credit checks.

People with bad or no credit -
You can qualify for a loan, even with bad credit, slow credit or no credit. Do not be concerned if you have bad credit. In the event your credit is not the best, 123OnlineCash will offer you a loan.

The approval process -
Getting a loan approved from 123OnlineCash is a simple and fast process. As soon as we are able to verify some of the information, you could be approved for your cash advance paycheck loan. The cash advance loan funds will be available in your account the very next day! No hassle of waiting in line or going to the loan store. Get approved for your paycheck cash advance loan, on line.

Loan Amounts -
They offer paycheck cash advance loans up to $500, depending on the loan application which you submit. We also offer loans from $100 and up in varied amounts up to $500.

What can I use my Paycheck Loan for?
Use you money for whatever purpose you wish. If you have some bills due, something necessary you need to buy, or just want to have some fun! Your loan is for you to use as you wish!

What I found: They are slightly newer than some of the other companies, having registered their domain name July 26, 2001. I could find no details about their program, other than you can take out $100 - $500, you need to earn $1000 per month, and the application is very short.

TheInternetPayday - Get your online cash today! (Added 9/23/05)

Qualifications:
- make at least 200 dollars take home pay a week
- have an open and active checking account
- be a US resident
- not have 4 or more NSFs (not sufficient funds) on most recent bank statement

Terms:
$25 per $100 borrowed
15 day loan
Allow extensions
Approval in minutes, funds available the following day if approved
First four transactions up to $200, after that up to $500

UrgentCashAdvance.Com - Payday Loans and Cash Advances (Added 10/8/05)
If you have an unexpected expense, their cash advances will get you the money you need before you get paid from your work.

Fees range from $15 to $20 per $100 borrowed which is on the low end for fees.

They operate in Colorado, Hawaii, Idaho, Louisiana, Missouri, New Mexico, Oklahoma, Oregon, Utah, Washington, Wisconsin, and Wyoming. They are one of the very few companies online who operate under strict licenses and guidelines of each state where they operate.

Requirements: Access to a fax machine, Verifiable consistent income (min gross of $250 per week), Active bank account

The maximum amount you can borrow depends on the state (Range from $50-$500).

Some states allow extensions or renewals. They follow the laws of the state in which you reside.

AeroAdvance - The Cash Advance Company™
Get up to $500 overnight until your next payday. AeroAdvance offers fast approvals and flexible payment options. If you need extra cash, a payday loan with AeroAdvance is the best and most secure way. Apply today!

From their website, requirements: You must have been in your current job for at least four consecutive months and take home at least $1,000 a month after taxes. In addition, you must have a valid checking account that has been open for at least three months.

Fees: In general, fees appear in line with most other companies at $20 for every $100 borrowed.

From Pay Day City's web site:

Next Day Funds • Checking Account Required
Se Habla Espanol •Apply online!

Cash Advances Deposited Directly
Into your Personal Checking Account

We provide short term cash advance payday loans when you need them most. Approval takes only minutes and funds will be available the very next day. We cash personal checks and hold 'em! Even if you have bad, slow or no credit, we can put cash in your checking account today.

Frequently Asked Questions

What is a Cash Advance?
-A Cash Advance is a short term payday loan when it is needed most...usually between paydays! The money is directly deposited into your personal checking account, then the cash advance funds (plus a small fee) are taken out of your account at the end of the loan.

Can I get an extension on my payday loan?
-Yes! Your payday loan can be extended by submitting an extension request. A fee will be extracted from your checking account to cover for the cost of the extension.

How Long to be approved?
-In only a matter of minutes! Cash advance funds will be available in your account the very next day!

What is the term of the loan?
-THIS LOAN IS A 15 DAY PAYDAY LOAN! It can be extended by simply submitting our extension request I have bad Credit...can you still help me? Yes, we specialize in helping people like you with bad, slow or no credit.

How much can I get?
-The first four transactions up to $200, after that you become a preferred customer and you can get up to $500

Information I found on the web:
After searching Pay Day City's site, I did find that they charge $25 for every $100 borrowed. Need to earn $200 / week to qualify (this is better than most other offers). Can extend the loan. Can take out up to $200 the first four times, then $500 after that. Site domain name first registered October 12, 2000.

Get up to $500.00

Requirements from their website:
Currently have a job (or receive regular income)
Make at least $1200 per month
Are 18 years of age or older and a U.S. citizen
Have a checking account
Other requirements may apply
Even bankruptcy, bounced checks, charge-offs and other credit hassles don't prevent you from qualifying.

Unable to find their rates, but qualifications appear similar to other companies. Similar to other sites, they claim they offer the fastest cash loan on the net with no credit checks, no faxes, and they will contact you within an hour after you apply. They do allow loan extensions.

YourCashNetwork! Click Here! - From their website:
FAST Two Minute Online Application
No Credit Checks
Slow pay, charge off's, even bankruptcy are OK
No faxing required

CAN I GET AN EXTENTION ON MY PAYDAY LOAN?
· Yes! Your payday loan can be extended by submitting an extension request. A fee will be extracted from your checking account to cover for the cost of the extension.

HOW LONG TO BE APPROVED?
· In only a matter of minutes! Cash advance funds will be available in your account the very next day!

WHAT IS THE TERM OF THE LOAN?
· THIS LOAN IS A 15 DAY PAYDAY LOAN! It can be extended by simply submitting our extension request.

I HAVE BAD CREDIT...CAN YOU STILL HELP ME?
· Yes, we specialize in helping people like you with bad, slow or no credit.

HOW MUCH CAN I GET?
· The first four transactions up to $200, after that you become a preferred customer and you can get up to $500!

CashAdvanceMan (added 8/17/03 - Upadted 8/13/05) - Cash advances

Find out how to get $500 cash today! CashAdvanceMan.com

What I found:
To qualify you must:
   make $200 per week take home pay
   have an open and active checking account
   be a US resident
First 4 transactions are up to $200, then up to $500
They specialize in helping people with bad, slow, or no credit
Fee is $25 per $100 borrowed

ZippyCheck (added 10/20/03)

What I found:
Fee = $20 per $100 borrowed
Offer up to $900 payday loans (returning clients)! ($350 for new clients)
They do NOT conduct a credit check
You can have only ONE (or none) outstanding pay day loan with another company and you cannot have any in default with other services.

CitizensCashAdvance.com - From their website:

Next Day Funds • Checking Account Required
Se Habla Espanol •Apply online!

Cash Advances Deposited Directly
Into your Personal Checking Account