How should I compare payday lenders in the US?

Start with total borrowing cost, not just approval speed. Compare APR, fees, repayment amount, and lender availability in your state before applying.

Do all lenders in this table operate in every state?

No. State laws vary, so some lenders are available only in specific states. Check the lender detail page and your state guide before submitting an application.

Will comparing lenders affect my credit score?

No. Reviewing lender options on Credizen does not trigger a hard credit inquiry. A hard inquiry may occur only when you proceed with a lender application.

What is a typical payday loan APR?

Typical payday loan APR can range from about 200% to 700%+, depending on state rules and lender pricing. Always review the exact repayment amount before accepting an offer.

What if I need alternatives to payday loans?

Consider alternatives such as credit-union PAL loans, installment loans, or payment plans with creditors. These may reduce total borrowing cost compared to short-term payday products.

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Compare Payday Lenders Side-by-Side

30 licensed US lenders compared on APR, loan amounts, approval speed, and fees. All data verified against lender websites and state regulator databases.

Last updated: May 29, 2026

Lender	Rating	Loan Amount	APR Range	Funding Speed	Category
Recommended MoneyLion direct lender	★ 4.5	$500 – $5000	150% – 400%	6 hours	direct lender	Details →
Recommended NetCredit direct lender	★ 4.4	$1000 – $10000	34% – 155%	24 hours	direct lender	Details →
Recommended CashNetUSA direct lender	★ 4.4	$100 – $3000	300% – 664%	1 hour	direct lender	Details →
Recommended Possible Finance direct lender	★ 4.3	$50 – $500	150% – 200%	1 hour	direct lender	Details →
Fastest Speedy Cash direct lender	★ 4.3	$100 – $1500	350% – 600%	1 hour	direct lender	Details →
Advance America direct lender	★ 4.2	$100 – $2000	350% – 700%	1 hour	direct lender	Details →
Recommended Oportun direct lender	★ 4.2	$300 – $10000	20% – 67%	2 days	direct lender	Details →
Fastest Check Into Cash direct lender	★ 4.2	$50 – $1500	391% – 664%	2 hours	direct lender	Details →
RISE Credit direct lender	★ 4.2	$500 – $5000	60% – 299%	24 hours	direct lender	Details →
OppFi direct lender	★ 4.1	$500 – $4000	160% – 199%	24 hours	direct lender	Details →
ACE Cash Express direct lender	★ 4.1	$100 – $1500	375% – 650%	2 hours	direct lender	Details →
Recommended Fig Loans direct lender	★ 4.1	$300 – $500	36% – 189%	24 hours	direct lender	Details →
PersonalLoans.com broker	★ 4.0	$500 – $35000	235% – 1600%	2 hours	broker	Details →
AdvanceMeToday direct lender	★ 4.0	$100 – $1000	400% – 600%	1 hour	direct lender	Details →
CashUSA.com broker	★ 4.0	$500 – $10000	235% – 2830%	2 hours	broker	Details →
CashCall direct lender	★ 4.0	$2600 – $10000	126% – 177%	2 days	direct lender	Details →
LendUp direct lender	★ 3.9	$100 – $500	200% – 350%	1 hour	direct lender	Details →
Check City direct lender	★ 3.9	$100 – $5000	350% – 650%	2 hours	direct lender	Details →
CheckMate direct lender	★ 3.9	$50 – $700	400% – 700%	2 hours	direct lender	Details →
MobiLoans direct lender	★ 3.9	$200 – $2500	225% – 599%	24 hours	direct lender	Details →
BadCreditLoans.com broker	★ 3.8	$500 – $10000	235% – 1000%	2 hours	broker	Details →
TitleMax direct lender	★ 3.8	$300 – $10000	100% – 300%	24 hours	direct lender	Details →
MoneyMutual broker	★ 3.8	$200 – $5000	200% – 1300%	1 hour	broker	Details →
LoanMax direct lender	★ 3.8	$300 – $10000	100% – 300%	24 hours	direct lender	Details →
CashAdvance.com broker	★ 3.7	$100 – $5000	250% – 1000%	1 hour	broker	Details →
Spotloan direct lender	★ 3.7	$300 – $800	390% – 590%	24 hours	direct lender	Details →
Greenline Loans direct lender	★ 3.7	$200 – $2500	300% – 700%	24 hours	direct lender	Details →
Great Plains Lending direct lender	★ 3.7	$500 – $2500	196% – 400%	24 hours	direct lender	Details →
Elastic direct lender	★ 3.6	$500 – $4500	350% – 800%	24 hours	direct lender	Details →
Plain Green direct lender	★ 3.6	$500 – $3500	200% – 375%	24 hours	direct lender	Details →

How to Use This Comparison

1. Check Your State

Payday loan laws vary by state. Not all lenders operate in every state. Visit our state guides first.

2. Compare Total Cost

Don't just look at fees — compare APR to understand the true cost. A lower APR means less money owed overall.

3. Read Reviews

Click "Details" to see full reviews, customer feedback, and eligibility requirements for each lender.

4. Borrow Responsibly

Only borrow what you can repay on time. Explore alternatives before applying.

Popular Next Steps

Apply in Minutes

Ready to continue? Start with our US apply form and compare lender matches without commitment.

Check State Rules

Review legal limits, APR caps, and lender availability in your state before applying.

Read Lender Reviews

See detailed provider pages in the US lender hub before choosing a loan.

Borrow Responsibly

Understand repayment risk using our responsible lending guide.

Popular Head-to-Head Comparisons

CashNetUSA vs Advance America

View fees, approval speed, and loan limits in our detailed CashNetUSA vs Advance America comparison.

CashNetUSA vs Speedy Cash

View fees, approval speed, and loan limits in our detailed CashNetUSA vs Speedy Cash comparison.

Advance America vs ACE Cash Express

View fees, approval speed, and loan limits in our detailed Advance America vs ACE Cash Express comparison.

Speedy Cash vs Check Into Cash

View fees, approval speed, and loan limits in our detailed Speedy Cash vs Check Into Cash comparison.

Rise Credit vs Speedy Cash

View fees, approval speed, and loan limits in our detailed Rise Credit vs Speedy Cash comparison.

Possible Finance vs Fig Loans

View fees, approval speed, and loan limits in our detailed Possible Finance vs Fig Loans comparison.

MoneyLion vs Possible Finance

View fees, approval speed, and loan limits in our detailed MoneyLion vs Possible Finance comparison.

MoneyLion vs NetCredit

View fees, approval speed, and loan limits in our detailed MoneyLion vs NetCredit comparison.

NetCredit vs OppFi

View fees, approval speed, and loan limits in our detailed NetCredit vs OppFi comparison.

Oportun vs Possible Finance

View fees, approval speed, and loan limits in our detailed Oportun vs Possible Finance comparison.

Understanding APR on Payday Loans

The Annual Percentage Rate (APR) represents the yearly cost of borrowing, including fees. Payday loan APRs appear high (200%–700%+) because they are short-term products — typically 14 to 30 days.

Example: $500 Loan for 14 Days

Fee per $100	Total Fee	Repayment Amount	Equivalent APR
$15	$75	$575	391%
$20	$100	$600	521%
$25	$125	$625	651%

Source: CFPB. Always verify current rates with the lender before applying.

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