Best Payday and Title Loan Companies

This page was last edited on 13 Septemberat In the National Consumer Credit Protection Act Cth was introduced, which initially treated payday lenders no differently from all other lenders. Payday and title loans give borrowers quick access to cash for a short time. These short term loans are quick and easy, thanks to our new and improved online application. XtraCash incurs any associated loan loss.

Navigation menu

What to consider when choosing a payday and title loan lender

At cft-group.tk, we pride ourselves on getting you the money you need – fast! Whether it’s for a medical emergency, and unexpected trip, or just because you need some extra cash on hand, our payday loans direct lender is here to help! A Payday Loan allows you to get a little extra money before your next paycheck, so you can pay for daily finances or even emergency expenses. Payday Loan availability varies by location. 2, stores and online. When choosing a company for the best Payday Loans, make sure to look for these important traits. A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday.".

Compare Reviews for Top Payday and Title Loan Companies


This is an expensive loan; of course, but the customer service is excellent and the reps are extremely professional, yet pleasant and personable. Review the website and you'll agree there aren't hidden fees.

The reps are "very up front" and knowledgeable. Totally satisfied with my experience so far. I have had many tribal loans from many different tribal lenders. Many of them are little more than professional loan sharks. Spotloan gives you a clear payment schedule with a clear payoff date upfront. They don't want you to wallow in a permanent mire of never-ending interest.

They want to help you with a short-term solution, not a long-term trap. Spotloan is a better way to borrow extra cash.

Unlike payday loan agencies, at Spotloan you are able to pay us back over months, not weeks. Take as long as 10 months or pay us sooner and save on interest, it's up to you!

Consumers have multiple types of loans from which to choose, including home loans, car loans, credit card advances, and home equity loans.

Online installment loans are designed to help when you need a short-term loan fast and have bad credit or even no credit. The application process is fast as it is done completely online. Most people complete the process in about 10 minutes. Credit scores range from to The higher the number, the better your score, and the easier it is to get approved for loans. Many lenders consider consumers with scores of or lower to be a bad credit risk. If you have a bad credit score, or have not borrowed before, Spotloan can help you get money fast.

No collateral is required. Amounts vary by state and vehicle specifics. Offers instant approval and fast cash options with no credit check required. Supplies payday loans and installment loans in 17 states that are typically available the next business day. Other services include check cashing, prepaid MasterCards, bill pay services, free money orders and a free budgeting guide.

This company no longer services loans. They offer other services, including check cashing, money order, bill pay and prepaid cards and phones. Funds may be available as soon as the next business day. Offers payday and title loans with immediate access to cash in store locations in Alabama, Michigan, Oklahoma, Louisiana, Mississippi, South Carolina and Virginia. Get payday advances in-store or with an online application in 5 states.

Get instant access to funds in-store or next business day with online approval. Offers in-store payday loans in 10 states and online loans in Hawaii, California, Louisiana and Kansas.

Approved in-store applicants can get funds within one hour. Max amount varies by state. The money is deposited through a secure transfer, usually within 24 hours. Features a fast application process. Customers can get access to cash advances via short term loans with an easy online application available at any time. Applications approved before 2: Loan products and max amounts vary by state.

Choose your state to see whether payday or title loans or both are available. Over locations available nationwide with online applications accepted in some states. Apply using a secure online process. Funds are typically available the next business day.

Free financial education is also available on the website. Provides short term loans with flexible repayment terms and an easy online process. Individual applicant factors determine max loan amounts. Customers approved before 2: Serves California residents with auto title loans with max amounts based on applicant and vehicle specifics.

Offers fast, easy online application process, and if approved customers may have funds within hours. Licensed credit provider supplies payday loans to Australian residents. Apply online and funds may be available the following business day by direct transfer. Approved loan amounts vary by applicant.

Serves customers in Ohio and Indiana at over locations. Check cashing and gold buying at some locations. Easy online and mobile process. Cash advances available in as little as one hour next business day for weekend transactions.

Applications can be done online with approval within 24 hours and funds available within two business days. Offers an easy paperless application process and quick loan decisions. If approved, funds may be available in as little as one hour. Applications approved by 6: Refers borrowers to providers for payday loans and lets you compare different options at a glance.

Loan amounts vary by state and applicant credit score. Can also connect customers with lenders for business loans and more. This company is no longer entering into new loan agreements.

It has partnered with Monterey Financial to service loans. Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice.

Join our community to stay up-to-date with the latest reviews, recall notices, and brand recommendations. To see why, sign up below!

Lauren Fix, also called The Car Coach, is an automotive and auto finance expert. She is a regular guest on major news and morning shows, discussing the latest updates on cars and car financing that will help drivers make smart decisions when buying, maintaining and financing cars. Home Finance Payday and Title Loans. Visit Website toll free number Not sure how to choose? Thank you, you have successfully subscribed to our newsletter!

Enjoy reading our tips and recommendations. What to consider when choosing a payday and title loan lender Top. Processing and document fees: Lenders often charge borrowers fees for the paperwork required to get the title or payday loan. Make sure to find out what late fees are and on what date your payment will be considered late. Some lenders only offer lien-free title loans.

Roadside assistance program fees: Some lenders offer a roadside assistance program for people who have a title loan, and many companies require this program, charging a fee for it.

Payday lenders charge a finance fee upfront, which you include on your post-dated check. If you roll your loan over for an extended period, you will be charged this initial finance fee plus an additional finance fee.

The fee will continue to grow until you finally pay off the full amount of the loan. Lenders are required to tell borrowers the exact APR being charged to the loan before the borrower agrees to the terms of the loan. Extra requirements All title loan borrowers must repay the amount of money they owe, pay interest, surrender their car title and pay fees. This box also allows the lender to shut the car off if you fail to pay your monthly payment.

This device can locate the vehicle and help the lender reclaim that collateral. Many borrowers are asked to surrender a copy of their car keys to the lender when they take out a title loan. If you have a wireless key fob, they may hold one of those as collateral. There are, however, some standard requirements you must meet in order to qualify: Without it, lenders have no way to know if you can repay them and are significantly less likely to offer you a loan.

You need a checking account to write a check for your payday loan, and there are penalties if your check bounces when the lender tries to cash it. You will need to provide a clear title when you apply for a title loan that is in your name. A lien release may be required to be presented with the title to process a loan. You will need to provide some valid form of address, such as a recent utility bill or bank statement, for both payday and title loans.

The lender will run your credit report to see if the agreement makes financial sense for both parties. Even lenders that offer loans for people with bad credit will usually need to see some credit history. Your loan options and APR may be impacted by your credit score. Maximum loan amount Title loans are a quick way to get money, but the amount of money a borrower can access is usually very limited.

Payday loans can be for any amount, but they are traditionally only written in the amount of one full paycheck or less so borrowers will have the money in their account when their check is cashed.

Length of loan Title and payday loans are short-term loans, meaning borrowers get the money quickly but also have to pay back the amount they owe with interest in a limited amount of time.

A common amount of time allowed for title loan repayment is 30 days. Some lenders may give you another 30 days if you cannot pay on time. To avoid defaulting on a loan, see if a relative or good friend can help with the payments.