Top Payday Loan Recommendations

Are you in a pinch and need cash fast? Is it impossible to wait for your next paycheck? A payday loan is a type of loan that could help you get money before your next paycheck arrives.

To help you find the best payday loan for you, we have reviewed five of the top options. Read through our reviews to determine if a payday loan is right for you and to sign up for one.

Best 5: Payday Loans Review

Recommendation #1



Recommendation #2

Check into Cash


Recommendation #3



Recommendation #4

Speedy Cash


Recommendation #5

Check N' Go



When you apply for a loan with CashNetUSA, it is possible that you could receive your funds on the same day that you apply. Their website makes it quick and easy to apply for your loan online. You'll just need to enter some information about yourself and the amount of the loan you are requesting.

When you apply for a loan with CashNetUSA, you will receive an instant decision. This will make the application process smooth, and will let you know if you'll need to look into other options instead of waiting a long time to hear back with a decision.

If you are looking for a payday loan, you'll first need to verify that CashNetUSA offers payday loans in your state. Most of the payday loans they offer are for less that $500. You can view the rates for the loans they offer based on the state you live in by visiting their website.


CashNetUSA is a well-known company that has been in business since 2004. They have been able to help more than three million customers receive a payday loan to help with a financial need. Additionally, they have a customer service team who is available every day to answer questions you have or provide you support.

CashNetUSA has also created various programs to help their customers. One of these programs is a discount program that will allow you to get access to various coupons.

The other program they have created is financial education classes. These classes are designed to help you learn more about financial matters. Some of the topics addressed by the courses include learning about your credit report and saving for an emergency.


  • The company has been in business since 2004.
  • You will receive a decision instantly to let you know if you qualify for a loan.
  • They have a discount program for their customers that can help you save on shopping and dining.


  • Payday loans are not available in all states.
Check into Cash

When you apply for a payday loan with Check into Cash, you will be able to receive up to $1,000 to help you make it to your next paycheck. Applying for your loan in easy and straightforward using their online application. Simply enter the appropriate information to find out whether you qualify for a loan.

Check into Cash offers instant approvals after completing your application. You'll also find out the loan amount right away. This will help you make your plans as you await your loan.

Check into Cash

You will receive the funds in your account within 24 hours when you apply online. If you go into a storefront location, you will be able to walkout with the cash in your hand. Check into Cash has various locations all over the country, so there could be a location close to you.

In addition to payday loans, Check into Cash also offers title loans, installment loans, flex loans, check cashing, and lines of credit.


  • You can receive up to $1,000 within 24 hours or instantly if you visit a storefront location.
  • The application process is quick and easy.
  • You will find out immediately if you are approved to receive a loan.


  • There are only storefront locations in 32 states.

RISE offers you an alternative to receive a payday loan. Instead, they offer installment loans or lines of credit to help you through a tough financial time. Applying for a loan with RISE is simple and can be done completely online.

RISE argues that payday loans can be challenging to pay back because the total amount you owe rises so quickly. Instead, they encourage you to consider one of their payday loan alternatives. With the loans offered by RISE, you'll be able to apply to receive between $500 and $5,000.

RISE provides a variety of benefits with the loans they offer. When you make your payments towards your loan on time, you may be eligible for a rate decrease. RISE also allows you to have a flexible payment schedule, allowing you to pay on your own terms or pay off your loan more quickly than anticipated.


They will also give you a five-day risk-free guarantee. If you decide a RISE loan isn't right for you, within the first five business days of your loan, you'll be able to cancel the loan and just pay back the amount you borrowed (with no extra fees).

RISE can also sign you up to receive free credit alerts from TransUnion. You'll also be able to check your credit score with TransUnion.

RISE's goal is to help their customers increase their credit score and become better managing money. Since your payments to RISE are reported to a credit bureau, paying your loan can have a positive impact on your credit score.


  • They offer alternatives to payday loans.
  • You will receive a five-day risk-free trial.
  • You can complete the application process online.


  • You will still have to pay a high interest rate for the loan you receive.
Speedy Cash

As its name suggests, Speedy Cash can help you get money quickly. Their payday loans are for up to $1,500, which can be a big help when money is super tight. On the Payday Loans section of their website, you'll see the option to 'Apply Now.'

To complete the application you'll need your ID, checking account information, and a source of income. After completing their quick online application, you'll find out whether you will qualify for a loan within a few minutes. They also offer ways for you to get your cash instantly, both in store and online.

Speedy Cash

The loan amount you'll qualify for will vary based on a few factors. Some states put limits on the maximum amount for a payday loan. Your monthly income will also contribute towards the amount of your loan.

In addition to offering payday loans, Speedy Cash also offers installment loans, title loans, and line of credit loans. They can help you get the money you'll need in a tight financial situation.


  • You can get your cash instantly.
  • You may receive as much as $1,500.
  • You can find out if you'll qualify for the loan within a few minutes of applying.


  • Depending on where you live, you may not be approved for as high of a loan.
Check N' Go

When you apply for a payday loan with Check N' Go, you will be able to receive your money in as little as one day. You can quickly and easily apply for a loan on their website. If you're approved, the funds will be deposited into your bank account.

To apply for a loan, click on the link on their homepage and follow the instructions to provide all the information about yourself. You will quickly receive a decision regarding whether your loan is approved or not. If your loan is approved, you can finalize the loan online and sign the loan documents electronically.

Once you are ready to repay your loan, you'll be able to complete this process online as well. You'll just need to enter your electronic payment information on the website, and the funds will be electronically removed from your account.

From the homepage, you can click on your state to view specific information about the loans available where you live. Each state may offer different loan amounts and interest rates, so be sure to check for the specific information about your state before completing your application.

In addition to payday loans, Check N' Go also offers installment loans, cash advances, long term choice loans, check cashing, and prepaid debit cards.


  • In addition to payday loans, Check N' Go offers installment loans, cash advances, and choice loans.
  • You can easily see if you will qualify for a loan online.
  • You can receive the funds in your account in as little as one day.


  • There are not many storefront locations for you to physically visit.

Buying Guide

A payday loan can be a quick way to get cash when you have an urgent financial need. Most companies that offer payday loans offer a quick and easy online application. You'll also be able to find out quickly whether you'll be approved for the loan.

Before deciding which company to use to apply for a loan, take a few minutes to consider a few different factors. First, some companies do not offer loans in different states. You will first need to confirm that you will be able to apply for a loan with the companies you are considering based on the state where you reside.

Next, consider the application process. Is there a quick and easy online application to complete? Will you receive instant approval for the loan?

You will also want to think about how quickly you will receive the money. Some of the options above offer either same day or next day deposit. If you need the money quick, you may want to look for one of those options.

Finally, you will want to pay close attention to the interest rates you'll be paying on the loan you receive. Make sure to calculate the total amount you'll owe so you can be sure to pay off your loan as quickly as possible.

Top Pick

CashNetUSA is our top choice when you are looking for a payday loan. This company has been in business since 2004, so you can feel confident that you are dealing with a reputable business.


With CashNetUSA, you'll be able to apply for a loan quickly and easily online. After completing your application, you'll find out immediately whether or not you qualify for the loan. You may even be able to receive the funds in your account on the same day that you apply.

When you are ready to get some fast cash, visit CashNetUSA's website and apply for a payday loan.

Frequently Asked Questions

What Is a Payday Loan?

A payday loan is a type of loan you can receive before you are due to get your next paycheck. Typically, payday loans are paid back after you get paid. Payday loans have a higher interest rate than other loan types.

What Do You Need to Get a Payday Loan?

You will need to check with the specific lender you are using since different lenders may have different requirements. Typically, you will need to be at least 18 years old and have an active checking account. You will also need to be able to verify that you have a current income. You may need to show paystubs or some other form of employment verification.

How Bad Is a Payday Loan?

If you do not pay off a payday loan quickly, the interest rates will add up. This can make it even harder to pay off your loan. If you are going to get a payday loan, be sure to pay it off as quickly as you can to avoid losing tons of money to interest.

Do Payday Loans Hurt Your Credit?

Sometimes a payday loan could hurt your credit. While the loan will not typically show up on a credit report from Experian, Equifax, or Trans Union, information about the loan is sometimes collected by other credit reporting agencies.


Official Top 5 Review Team
Official Top 5 Review Team

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