Overview

Advance America is one of the most popular lending companies in America. Not only do they do cash advances, they also sell visa prepaid cards and help transfer checks onto credit or debit cards.  With Advance America you can either get a loan online through their website or at one of their 2,700+ stores around America.  Advance America is a fast and easy way to get your loans and is one of the top payday loan companies for a good reason.

Link to Advance America: http://www.advanceamerica.net/

Rates and Fees

Advance America’s rates tend to be much higher with the majority of the fees being 20-25%. Each state varies in the amount that can be financed, and the rates between online and in-store loans differ immensely.

Here is the link to Advance America’s Rates and Fees: http://www.advanceamerica.net/apply-for-a-loan/fees

Rate Them:

Overview: As a banking alternative, Moneytree cashes all types of checks and offers short-term loans with a company commitment to doing it better than anyone else. In addition to these core products, they offer money order sales, wire funds transfers, prepaid debit cards, prepaid long distance phone cards and fax services. And money orders are always free when cashing a check or getting a payday loan at MoneyTree. They have more than 1,200 employees in over 140 branches in California, Colorado, Idaho, Nevada and Washington.

Rates and Fees: Just as I’ve mentioned before, each state has differentiating rates and fees. When applying for a loan on Moneytree.com, you must click whatever state you live in as your starting point, and then it will indicate the rate based off of the amount you are asking for.

PayDayOne

Overview: PayDayOne is another online payday lending service that has been up and running since 2002. Also, it is important to note that PayDayOne is a subsidiary of ThinkCash Inc. with offices in Nevada, Texas, and Delaware. PayDayOne.com also works with installment loans and check cashing just as Check ‘N Go and CashAmerica.

Rates and Fees:

PayDay One is the only lender that is state licensed and offers a Great Rate Guarantee. Their rates vary from 15%-22.5% from each state.

Here is the link to PayDayOne.com’s Rates and Fees in America: http://www.PayDayOne.com/loan-cost-and-terms.aspx?stateName=none

Rate Them:

Overview: As one of a few direct payday loan lenders, Check ‘n Go is uniquely positioned to offer customers the best lending experience possible. At Check ‘n Go, they both lend and service their customer’s accounts online and in-store . It is important to note that they are not just a payday lending company. They also do installment loans, check cashing, and title loans. By remaining active throughout the entire loan process, they provide quick payment and excellent customer service. They are proud to remain an industry leader among payday loan companies.

Rates and Fees: With Check ‘N Go, they have different rates and terms for each state due to online and in-store lending. Rates differ from online and in-store as well as in every state. As noted before, each state can limit how much money can be given as a payday loan as well as set their interest rates. Here is the link to the rates and fees chart for Check ‘N Go: http://www.checkngo.com/resources/state-center/states/california.aspx

Rate Them:

Overview

Cash America is a pawn lender and cash advancer. A pawn loan is an in-store loan where you are handed cash on the spot. The only hitch is that you have to leave an item of value as collateral. Cash America’s cash advancing or as some call it, payday loans, can be done either online or in a store. All you need in order to receive a cash advance is a valid drivers license, proof of income, a bank account or checking account, and proof of a phone number and residence. Cash Advances like these are quick, easy, and confidencial and are collateral free.

Rates and Fees

The rates and fees for Cash America tend to vary from state to state. The majority of their fees are from 15-20% interest. This includes both in-store and online loans.

Here is the link to Cash America Fees by state: http://www.cashamerica.com/LoanOptions/CashAdvances/RatesandFees.aspx

Rate Them:

CashNetUSA

CashNetUSA offers loans up to $700, and the money will be deposited into your checking account the next business day.

Overview: CashNetUSA is one of the leading brick & mortar payday lending services in America today. One thing to know about CashNetUSA is that they are strictly an online payday lending company that is available in more than 30 states. They are still growing on the internet, with approximately 1 million customers and 500 employees. Their application process is very simple, and once the application is processed, one can receive their loan the very next business day, which is similar to other lending services like MoneyMutual.com and CashStand.com.

Rates and Fees: With CashNetUSA.com, the extend their services to more than 30 states, and each state has different rates and fees from 13.5%, all the way to 25%. It depends on the state that the customer resides in, which can cause difficulty to customers who can not pay the higher interest back.

Rate Them:

Money Now USA is to Money Mutual, listed above. Money Now USA  provides you with an application, which is then passed onto a loan party of their choice, who supposedly can get you the highest amount of cash for the cheapest rate. This process of transferring electronic cash into your bank account can take anywhere from one hour to thirty-six hours. Money Now USA has become one of the most popular lender in the America, but if you need money faster, consider independent loan companies such as http://www.cashnetusa.com/, http://www.cashstand.com/, or  http://cashamerica.com/

Here is the link to Money Now USA: http://www.moneynowusa.com/

Rate Them: