Compare Payday Lenders 2026
Side-by-side comparison of 30 payday lenders. Filter by APR, loan amount, approval speed, and state. Find the best option for your situation.
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| Lender | Rating | APR Range | Loan Amount | Approval Time | Loan Type | First-Time | Action |
|---|---|---|---|---|---|---|---|
 CashNetUSA Direct Lender | 8.7 β
42% approved | 300% - 664% | $100 - $3,000 | 1 hour | payday | β Yes | Apply Now |
 Check Into Cash Direct Lender | 8.3 β
38% approved | 391% - 664% | $50 - $1,500 | 2 hours β‘ Fastest | payday | β Yes | Apply Now |
 AdvanceMeToday Direct Lender | 7.9 β
35% approved | 400% - 600% | $100 - $1,000 | 1 hour | payday | β Yes | Apply Now |
 Speedy Cash Direct Lender | 8.5 β
40% approved | 350% - 600% | $100 - $1,500 | 1 hour β‘ Fastest | payday | β Yes | Apply Now |
 MoneyLion Direct Lender | 8.9 β
55% approved | 150% - 400% | $500 - $5,000 | 6 hours | installment | β Yes | Apply Now |
 Possible Finance Direct Lender | 8.6 β
48% approved | 150% - 200% | $50 - $500 | 1 hour | payday | β Yes | Apply Now |
 ACE Cash Express Direct Lender | 8.1 β
37% approved | 375% - 650% | $100 - $1,500 | 2 hours | payday | β Yes | Apply Now |
 Advance America Direct Lender | 8.4 β
39% approved | 350% - 700% | $100 - $2,000 | 1 hour | payday | β Yes | Apply Now |
 LendUp Direct Lender | 7.8 β
33% approved | 200% - 350% | $100 - $500 | 1 hour | payday | β Yes | Apply Now |
 OppFi Direct Lender | 8.2 β
45% approved | 160% - 199% | $500 - $4,000 | 24 hours | installment | β Yes | Apply Now |
 CheckMate Direct Lender | 7.7 β
34% approved | 400% - 700% | $50 - $700 | 2 hours | payday | β Yes | Apply Now |
 MoneyMutual Broker | 7.5 β
30% approved | 200% - 1300% | $200 - $5,000 | 1 hour | payday | β Yes | Apply Now |
 CashAdvance.com Broker | 7.4 β
28% approved | 250% - 1000% | $100 - $5,000 | 1 hour | payday | β Yes | Apply Now |
 BadCreditLoans.com Broker | 7.6 β
32% approved | 235% - 1000% | $500 - $10,000 | 2 hours | installment | β Yes | Apply Now |
 CashUSA.com Broker | 7.9 β
36% approved | 235% - 2830% | $500 - $10,000 | 2 hours | installment | β Yes | Apply Now |
 PersonalLoans.com Broker | 8.0 β
38% approved | 235% - 1600% | $500 - $35,000 | 2 hours | installment | β Yes | Apply Now |
 Greenline Loans Direct Lender | 7.3 β
31% approved | 300% - 700% | $200 - $2,500 | 24 hours | line of-credit | β Yes | Apply Now |
 NetCredit Direct Lender | 8.8 β
52% approved | 34% - 155% | $1,000 - $10,000 | 24 hours | installment | β Yes | Apply Now |
 RISE Credit Direct Lender | 8.3 β
43% approved | 60% - 299% | $500 - $5,000 | 24 hours | installment | β Yes | Apply Now |
 Elastic Direct Lender | 7.2 β
29% approved | 350% - 800% | $500 - $4,500 | 24 hours | line of-credit | β Yes | Apply Now |
 Spotloan Direct Lender | 7.4 β
32% approved | 390% - 590% | $300 - $800 | 24 hours | line of-credit | β Yes | Apply Now |
 Check City Direct Lender | 7.8 β
36% approved | 350% - 650% | $100 - $5,000 | 2 hours | payday | β Yes | Apply Now |
 TitleMax Direct Lender | 7.6 β
38% approved | 100% - 300% | $300 - $10,000 | 24 hours | title loan | β Yes | Apply Now |
 LoanMax Direct Lender | 7.5 β
37% approved | 100% - 300% | $300 - $10,000 | 24 hours | title loan | β Yes | Apply Now |
 CashCall Direct Lender | 7.9 β
40% approved | 126% - 177% | $2,600 - $10,000 | 48 hours | installment | β Yes | Apply Now |
 Plain Green Direct Lender | 7.1 β
30% approved | 200% - 375% | $500 - $3,500 | 24 hours | line of-credit | β Yes | Apply Now |
 Great Plains Lending Direct Lender | 7.3 β
33% approved | 196% - 400% | $500 - $2,500 | 24 hours | installment | β Yes | Apply Now |
 MobiLoans Direct Lender | 7.7 β
35% approved | 225% - 599% | $200 - $2,500 | 24 hours | installment | β Yes | Apply Now |
 Fig Loans Direct Lender | 8.1 β
44% approved | 36% - 189% | $300 - $500 | 24 hours | installment | β Yes | Apply Now |
 Oportun Direct Lender | 8.4 β
46% approved | 20% - 67% | $300 - $10,000 | 48 hours | installment | β Yes | Apply Now |
How to Use This Comparison Tool
1. Filter Your Options
Use the filters above to narrow down lenders by loan amount, APR, approval speed, or loan type.
2. Compare Side-by-Side
Review APRs, loan amounts, approval times, and ratings to find the best match for your needs.
3. Apply Directly
Click "Apply Now" to start your application with your chosen lender. Fast approval in most cases.
Frequently Asked Questions
How do I choose the best payday lender?
Focus on three key factors: (1) APR (lower is better), (2) loan amount that meets your needs, and (3) approval speed. Also check if the lender accepts first-time borrowers and operates in your state.
What's the difference between direct lenders and brokers?
Direct lenders fund loans with their own capital and make lending decisions directly. Brokers submit your application to multiple lenders and help you compare offers. Both can be good options depending on your situation.
Are these lenders available in my state?
Most lenders operate nationwide, but some states have restrictions on payday lending. Check each lender's detail page to verify availability in your state.
How long does approval take?
Approval times range from 1-48 hours depending on the lender. Lenders marked as "Fastest" typically approve applications within 1-2 hours and disburse funds the same day.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000