Legit Payday Loans and Cash Advance Lenders

When times are tough, and cash is strapped, it helps to have options. The problem is that even with tightened regulations, many payday loan and cash advance services are more prone to taking advantage of people like us, instead of helping us out of a jam so that we can get on our feet.

Having been through this song and dance more than a few times, I’ve finally created a list of what I believe to be the best payday loans and cash advance lenders in the business.

You can use these guys to borrow cash in a hurry, and get out of almost any pinch.

1. PayDayOne.com

   PayDay One serves almost half of the United States, and makes it very simple to get an instant payday loan without a lot of paperwork. They also have a great customer service department, which in my opinion makes them stand out from much of the competition.

   To get a cash advance, just fill out the form, and you’ll usually get instant approval and transfer confirmation. As with most online services, the money goes straight to your bank, and as long as you get approved by 5 PM CST, you’ll get your money the next day.

2. DiscountAdvances.com (New Customers Get 25% Off)

   Discount Advances is an online service that allows you to fill out a web form and get quick approval for up to $1500. If getting online is a problem, then you can call their hotline and get approval over the phone. Either way, it’s a very simple and straight forward process.

   To get approved, they take a quick look at your income, and then make a deposit based on their approval formula. The money goes right into your bank, overnight, and should be available the next day.

   Repayment is just as simple – you set a date for the payment to be applied, and it comes straight out of your bank account. There’s no need to visit a store, or wait in line; it’s awesome.

3. AmeriAdvance.com

   This is an easy to use online payday loans and cash advance lender that advertises 100% approval, and $100 to $1,500 loans.

   Using their easy application, you can apply online, and get the money transferred to your bank account with ease, often within 24 hours.

4. CashCentral.com

   When getting a cash advance or payday loan, it’s nice to know about the fees up front, which is one of the issues with many of the local cash advance companies. This is one of my favorite reasons for using Cash Central over the competition, as they publish their rates live on their website. They also have a great FAQ section that answers much of the questions associated with a payday loan, and their cash advance process.

   Getting the money is easy, as is paying it back, which is exactly how it should be.

   They are also open late Monday through Friday, which is great if you work a normal shift during the day.