Payday Loan Companies is based in the UK and so much of the focus has surrounded the thriving payday loan industry here in the UK. There have been posts here introducing payday loan companies in Australia, in Canada and in the USA, but these seem to have become a little outdated now and so each will be replaced over the coming months, starting today with the current market in the USA. The term payday loan or payday loans is most commonly used by all countries providing these kind of short-term loans, but cash advance is another popular term popular in the USA. This posting will look at payday loan lenders in the USA (or cash advance lenders in the USA) and will also identify some of the popular USA loan brokers. The payday loan controversy is something that needs to be addressed first.

Even creating this posting was difficult to create, as there just arent many comprehensive payday loan guides focussed on the USA market. A major reason for this is due down to the controversy that surrounds USA payday loans. On last count, I believe payday lending was only available in 37 states and if a payday loan doesnt happen to be illegal, then it is likely that the State will set fairly high regulations in place. You will find many more brokers operating and even the lenders will broker at times in specific states. Specific state laws also effect the APR rates that any such person will be charged. Each lender or broker will run similar demands. This includes being above 18 years old, having a valid checking account, being a US Citizen and taking home 1000 per month is another common requirement.

Another popular term is payday loans no credit check and you will find a number of American payday loan providers offering cash with no credit check; here in the UK, credit checks are much more common. The loan range offered will usually stand between $100 and $1500 and the top payday lenders are known for providing an efficient loan process without the requirement of faxing over any documentation. Here in the UK, Wonga had stormed to the top of Google for the major payday loan terms, but at this time PaydayUK have took back the commanding lead for payday loan and payday loans in Google.co.uk. When you head over to Google.com, these two popular terms are dominated at this time by Check n Go who opened their doors up in 1994. I read that they have 1000 locations located across the nation and so they are clearly a big name.

Moving to payday loan lenders USA (cash advance lenders USA), certainly four of the big market names include ABC Fast Loan, CashNetUSA, Cash Central and Payday One. There are others around, but these seem to be the most prominent today. Scanning across the search engines and popular payday sites, you will generally find an extensive number of USA payday loan brokers. As an example of these broker brands, there is 2Apply4Cash, 911 for Payday, AmeriAdvance, A Plus Payday Loan, Cash Lender Express, Fast Loan Spot, Faxless Cash, Find Payday Online, Getusloans, Green Tree Payday, My Cash First, My Quick Pay, OneHourCashAdvance, Online 1 Hour Loans, Payday Advisor, Payday Key, Payday Loan in One Hour, Payday Loans Spot, Payday Quote Advisor, SL Cash Loan, Speedy Cash, Trusted Cash Center, USAPayDaySite, USA Payday Net, USA Payday Pro, WeAdvance and the list goes on and on.

In regards to the major USA payday lenders discussed: ABC Fast Loan, CashNetUSA, Cash Central and Payday One I have been impressed with each of these brands. ABC Fast Loan and Cash Central are two of the less known names here, but I have been aware of CashNetUSA and Payday One for a long time now and these to for me are the first two names that I would always look to. If I had to go with one out of the two then I would side with CashNetUSA who I have been following for a good while (and know most about). CashNetUSA (Cash America Net Holdings, LLC) are part of one big payday loan family. Their payday brothers include Dollars Direct who operate in both Australia and Canada and then we have also have QuickQuid who have been a major UK payday loan lender for a long time now.

CashNetUSA have certainly made a big splash in the USA, funding well over four million loans to consumers, covering over 30 states. They provide $100 to $1500 with no credit check (although they verify applicant information with a national database); I believe new customers start at $700 although this may depend on state laws. These are faxless no credit check loans, ran by online account management that are paid over by ACH and so the cash will usually clear by the next business day; no American lenders have yet shined over the instant UK lenders that can transfer cash in just 15 minutes. The CashNetUSA interest will vary dependent on the state that you live in. This brand certainly scores five stars from Payday Loan Companies and comes highly recommended. I will be studying the other major lenders to find out more and will hope to discuss them in the future. For now, here is the banner for CashNetUSA

***Dont forget to enter the promo code CJCASH to receive 20% off your loan fees.***

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SafeLoans is an established UK payday lender that provides a unique service that groups them more towards being a cash advance lender than a payday loan lender. SafeLoans, also branded as PaydayOK, charge interest on each day the cash is borrowed for and they allow you to take out the loan for the specific number of days you would like to (similar to Wonga). From carrying out some tests, SafeLoans worked out as one of the cheapest payday loan lenders (or cheapest cash advance lenders) around today. On a 100 loan, for 30 days this interest would reach 29%, but for 14 days that stands at just over 12% and for 7 days we are looking at around 6% interest. In comparison to Wonga, a 14 day 100 loan would cost 20% interest so the 12% provided here is much cheaper.

The difference to Wonga is that their charges will always include the transmission fee that gets the loan to you in 15 minutes. This same super-fast payment would cost an additional 15 here, whilst the same day option would cost an extra 10. The BACS payment takes a few days to clear but will cost nothing and by taking this option you will be receiving one of the cheapest loans in this industry. If you wish to apply with SafeLoans then remember to select your payday for the particular day that you wish to pay the loan back on; if you dont do this then you can always settle the loan on any single day though. Just to mention, you have to 21 years old and be taking home 800 net each month. There is usually no need for any faxing and as with all the majors you can expect a credit check to be taken. Much praise goes to SafeLoans for providing one of the cheapest cash loan services here in the UK.

Interest for a 100 Payday Loan:
Variable. This was covered in the opening passage. For 7 days you would pay just 6% interest, for 14 days just over 12% and for 21 days just over 20%. For further charges, you can use their payday loan calculator found in their Charges section.

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It has been a very interesting few months for WageDayAdvance (Wage Day Advance). In late April 2010, the entire website got a fresh vibrant look that I have personally been very impressed with and just this week WageDayAdvance have released their very first TV ad on the popular E4 channel here in the UK. This brand awareness has cost 1,500,000 and I am confident that this will work out for them very well. You will find a collection of the very best payday loan lenders showcased here at Payday Loan Companies and WageDayAdvance have always been one of the most interesting to study since they are the only no credit check payday loan lender here in the UK. The problem that WageDayAdvance have faced over the years is that this no credit check loan has always required faxed documentation.

Without a credit check it is very difficult for a lender to mark whether someone is credit worthy enough and so naturally such faxed documents as bank statements and ID photocopies have usually been required to back the potential customers application. This has slowed down the speed and many customers have chosen to move on to another payday lender that requires no faxing to complete the loan process. To solve this issue, the major update from WageDayAdvance is that they now provide faxless no credit check payday loans. This was certainly required to compete with the big boys and the same has to be said for the TV advertising. In a previous posting I looked at the emergence of Wonga who are getting much screen time on the TV and they have of course become the sponsor of Premier League new boys Blackpool.

Another thing about Wonga is that they have now been ranking at the top of the tree for all of the major payday loan terms, but I would imagine that this growth has been aided from the major media sites linking out to them due to their advertisements and sponsorship; my impression is that WageDayAdvance have now greatly improved their own chances to become the talk of town and so perhaps we will see their own search engine presence develop over the future months. Other than the noted changes to WageDayAdvances loan product, they have provided a number of other features to their site to improve the users experience such as fresh content and a payday calculator. I will be typing up a new introduction to WageDayAdvance due to the number of positive changes made and I can certainly pay much praise to one of the UKs most forward-thinking payday loan brands.

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Online payday loans have been popular for a good while now, but throughout the years there has always been two payday loan companies that have took the headline as being the major payday loan lenders. These major payday loan lenders are PaydayUK and QuickQuid who have always had an incredible search engine presence that has allowed them to flourish in the industry. They have always deserved the praise as being the two payday loan giants for the efficiency and quality of their loan products, but there is a new payday loan lender in town that has not just caused a mere splash, yet we are talking more along the lines of a tidal wave. We are of course talking about Wonga.com, who are a London-based outfit that only actually surfaced in October 2007 and so they have come a long way in a small duration of time.

You wonder how this has all happened so quickly? One of the key aspects here is offline advertising. I have spotted QuickQuid appearing on TV commercials, but they tend to appear through the mornings (not really peak time). Wonga have been showing TV commercials through peak times and this has really helped to raise the brand awareness of Wonga. What has been more impressive is that Wonga.com is that they are now the shirt sponsor for the Premier League new boys Blackpool FC! Much focus in the world of football is on Blackpool because few people believed that they could reach the Premier League and they are now getting major features on Match of the Day with the bright orange shirts and one of the first things that you see is the Wonga.com sponsorship across the front.

This has been key to their success, but another area has been their search engine presence. At this time they rank in the first few spots at Google.co.uk for the terms payday loan and payday loans; they even rank in high spots for these terms at Google.com. You imagine that this has been aided by the brand being discussed and linked to by all of the major media sites. PaydayUK and QuickQuid dont rank as well as they once did due to Wonga flying up the chart and they both dont have the offline advertising boost that is there with Wonga. In regards to the loan product, there arent many unique loans like Wonga around today. They have actually tried to differentiate themselves as not being payday loan lenders, by promoting themselves as cash advance lenders and short term loan providers.

This makes sense for Wonga, as they dont go down the traditional payday loan route whereby the borrower has to pay back the money at the end of the month. Instead, the borrower can choose the exact day that the loan will last for and so the money can be borrowed for a few days, or a week, or two weeks and so on. This flexibility is impressive, but the quality of the loan product is so high for other notable reasons such as them sending the cash to your account in under 15 minutes and there is no faxing required so you receive a very speedy service from them. When you add online account management through their clean and well branded website you look at them as a really well-rounded loan provider here in the UK.

It will be interesting to see if we spot more loans like Wonga in regards to the flexibility of the borrowing; Speed-E-Loans would probably be the most similar at this time. Is Wonga the perfect payday loan (perfect cash advance loan)? Well, PaydayUK and QuickQuid can match them in most areas, but they simply dont have the same reach at this time to the British public. One thing that seems apparent has been that Wonga have always been fairly strict with who they accept for loans, but I did receive notification that they have become more lenient and so I have no idea how they match up in that regard. It has been very interesting to see the Wonga boom and their savvy sponsorship of Blackpool FC, the TV commercials and the excellent search engine presence will allow them to continue to thrive. The other payday loan lenders must now play their cards right, as Wonga have set a leading example of how to get things just right.

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Emergency loans is a popular term here in the UK and so I thought that it would be a good idea to cater for this audience today. An emergency loan could be required perhaps to pay an urgent bill, to pick up some extra money for a holiday or perhaps to cover some money in the bank to prevent the extortionate bank charges that we hear so much about these days. For whichever reason it may be, the best provider of an emergency loan would be from an online payday loan company. Emergency payday loans are always the best solution as many payday lenders can quickly send cash to your account on the very same day with no faxing and the general interest charge on the amount loaned would be around 25%, which I believe is a fair amount to pay.

Emergency loans are in high demand and your never stuck with just one such emergency cash loan provider, as there are many direct payday lenders operating today that can each be quickly compared here on the site. Just remember to only borrow cash amounts that you are 100% sure that you will have no problem in paying back when the time comes around to do so. I remember in the past when emergency money was needed that many people would sell their personal belongings usually to Cash Converters, as it was the only way that they could get their hands on some easy cash. In desperate times we no longer need to do this, as emergency payday loans make more sense and you can have the money sent to your account within the hour and you wont even have to move from your computer desk.

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There are a number of popular search queries including cash advance, cash advance loans and also payday cash advance! Put all of these together and we are left with our post title today payday cash advance loans, targeting the UK of course. I mentioned that the above phrases were popular search queries, but this is very specific to global searches. The global search volumes are in fact incredibly large and the majority of these queries are being entered from the United States. The most popular related global search is for payday loans, then cash advance and then payday loan. I felt today that it was important to briefly introduce the cash advance term due to it being such a monster global term!

A cash advance and a payday loan has the same meaning. Although the companies who offer these loans may market themselves as being one or the other, each will offer the same range of cash for a similar period of time when the customer is paid and each lender will share similar characteristics such as the interest rates, the loans being faxless etc. In regards to why people in the USA tend to prefer the phrase cash advance, obviously there are many differences between meanings in the UK and the USA such as bonnet/hood, chips/fries, rubber/eraser and so on. Payday loan related terms are more popular in the USA due to its much greater size, but the regulation laws over there are much tighter and in fact payday loans are illegal in many states.

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Fast cash loans is another popular term here in the UK, similar to instant payday loans. The similarity is obviously in the urgency that someone would like to receive a loan, but by looking for a fast cash loan this means that the enquirer isnt specifically targeting a payday loan and needs cash fast, not necessarily instantly. Fast cash loans should be switched to fast cash payday loans, as all of the other types of UK loan services such as doorstep loans, logbook loans and so on do usually take a long time to get the cash sent over your way. It is only the best payday loan lenders that can send you cash not just on the day, or under the hour, yet within just minutes.

An instant payday loan lender can get the desired cash to you in minutes. By looking for a fast cash loan I assume that a one hour loan would suffice. Most payday loan lenders can send money to your account in under an hour (some in minutes) and so you have many payday lenders to choose between. When looking for fast cash loans online, a payday loan is the best solution for fast cash online. The speedy loan process really helps here, but dont forget that it will most of the time be a faxless fast cash loan and so you wont be required to provide any bank statements or other photocopies before you receive your cash. When other cash lenders cant get money your way and the banks say no a fast cash payday loan is always the best solution.

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Is it better to receive payday loans online or you should you pick up your money from a payday loan store? This is a simple question to answer and will be addressed here today. In Canada, Money Mart (National Money Mart) have more than 460 payday loan stores scattered across Canada and so internationally it is a fair assumption that brick & mortar payday loans stores do work well and they have done so for a considerable time. Here in the UK, The Money Shop is a good example of a successful payday loan store (over 300 Stores nationwide). The large cluster of payday lending stores does not equate to an efficient or quality loan product though and there are many reasons for this. Firstly, here is a list of the issues with payday loan stores.

Limitations with payday loan stores
- You have to track down the payday loan store and not every high street has them. This is time consuming.
- These stores are only open between usual working hours and they are usually never open on a Sunday.
- Most payday loan stores would ask every potential customer for bank statements and payslips to complete the loan.
- In general, you would be required to have a cheque book and a cheque guarantee card, which not all of us have.

In comparison with payday loans online
- It is very simple to track down a direct payday loan lender. You can find our list on this site straight away or even by just using Google you can quickly find them.
- Online payday loans can be accessed at any time of the day or night.
- Most payday loan lenders featured on this site provide faxless payday loans and so you will not have to fax over any bank statements or payslips.
- No cheque book or cheque guarantee card is required. A simple UK bank account is required where the payday lender can collect the funds by direct debit on the agreed date.

Further reasons to choose payday loans online
- Same day payday loans came first, we then had one hour payday loans and now you can receive online payday loans in minutes thanks to the Faster Payments service that some payday lenders now use.
- No expensive phone calls are required alike with payday loan stores. If you have a query then you can send a quick email to support or make an enquiry within online account management.
- Online payday loan lenders allow customers with a poor credit history. They usually carry out basic credit checks, which means that they will later report to the credit reference agencies to improve your credit rating. Payday loan stores are usually more strict with who they lend cash to.
- Payday loan lenders usually allow rollovers if you are facing difficulties in paying back the money on the agreed date. These should be used for emergency situations, but you wouldnt get this option when opting with a payday loan store.

So there are some reasons why a payday loan online is the best option of the two. Over the past few years the online payday loans have got faster and more efficient, whilst payday loan stores have struggled to play catch up. Payday loans online have also become very competitive between a whole host of lenders and this has been a great thing, as each has gone out of their way to provide a more improved loan service to each and every customer. Two popular in store payday loan providers are Cash Converters and The Money Shop. With cash converters payday loans and The Money Shop payday loans, there is no information of the interest rates provided, but I cant see them being much cheaper than the traditional 25% interest charge provided by a number of payday lenders. So there you have it, online is the way to go.

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There are many benefits in taking out small loans (small payday loans). One of the initial things worth noting is that you will have a much more likely chance of being accepting from a payday loan lender if you are applying for a smaller amount in the region of perhaps 50 to 100! The payday lender needs to know that you are in a worthwhile position to pay back the loan and when the application is processed you will usually be accepted if you apply for such a small loan; although some payday loan lenders advertise that new customers can receive perhaps 400 and then 1000 as a returning customer this 400 would be for someone who earns a big wage and has a good credit rating and the 1000 will only be offered to a returning customer who has proven that they can be trusted.

If you think youll be turned down for a loan amount, but believe that you will be able to pay back the money with ease then an idea would be to break up the funds into smaller amounts and then apply for each smaller amount via different payday lenders, but only do this if you are sure that you will have no troubles in paying back the money. Just remember that other than having a better chance of being accepted with a small loan you will also have a better chance of paying back the small loan on the agreed date without any acquired hassle. When you have paid back the funds to them you will qualify for larger loans in the future and if it is one of the featured lenders here then they would have reported to the credit reference agencies that you paid on time and you will now have a better credit rating.

Just remember to not fall into the rollover lending trap and do pay back all of the borrowed money on the agreed date. It is usually the chunky amounts that get people into a payday mess when they struggle to make the repayment and end up extending it for further months. With small payday loans, you just wont get into this kind of mess. If you are breaking up the amounts with different payday lenders then you still should not be getting into any mess (remember to only borrow money that you are 100% sure that you can pay back with no issues). The benefits of small loans being small payday loans is that the online payday companies can pay the money to your bank on the same day (sometimes within minutes) and there is usually no need to fax any documents around. Just approach with care and be fully responsible.

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Speed-E-Loans is a new payday loan lender in the UK. This new payday lender has built their brand around the premise of providing speedy loans that is also common amongst other popular lenders such as Payday Express. This faxless same day payday loan for new customers will be provided between the range of 100 and 250 with a basic credit check; returning customers that have proven themselves will be able to apply for 1000 loan amounts and you are provided with online account management. Alike with Wonga, Speed-E-Loans will always charge an instant transfer fee. In this instance that charge is always 4.95. The interest that you pay is variable depending on the exact number of days the loan is taken out for (again similar to Wonga), although you are only offered two possible loan dates.

As an example, it was the early hours of Tuesday and I typed that I would be getting paid on Friday and then the Friday after would be the next pay date (weekly pay). For the first date I would have to pay on a 100 loan 3.15 interest (+ 4.95) (= 108.10), whilst the second date would be 10.15 interest (+ 4.95) (= 115.10). I also ran this for end of month pay for 100 and would have had to pay 22.04 interest (+ 4.95) (= 126.99) or for the next month 52.04 interest (+ 4.95) (= 156.99). So as you can see, the specific date you apply will alter the interest, but you can only pick two specific dates. The range on my given examples there of 8.1% in total charges all the way to 56.99% on that 100 loan shows that if you apply in close proximity to your pay date that you can receive a great deal. Rollover lending is available and they also provide their own prepaid Mastercard product.

Interest for a 100 Payday Loan:
Variable. In the example above, I had a few days before I would be paid and could have loaned 100 at 8.1% or for an extra week I could have had 15.1%! If I was paid monthly then for those near three weeks I would have been offered 26.99% or for the month after this date 56.99%. All of these percentages are of course full charges that include the 4.95 transmission fee.

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