Need a payday loan? Here's how to make sure it's secure |
Secure short term loans

Secure payday loans

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Do you know what what the risks are when you apply? Find out what makes a short-term loan safe and how you can get one.

A short term loan, also known as a payday loan, is a convenient option when you need money quickly, and there are scores of short term loan providers across the country. However, even though state regulations govern how payday lenders operate, there are still disreputable lenders in operation.

Security plays a particularly important role if you’re considering applying for a short term loan online, because you’ll need to provide your financial and identification documents over the Internet. There are secure short term loans available and this guide will show you how to find them.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    What are secure short-term loans?

    A secure short-term loan is one where the loan provider keeps your information safe and confidential, and adheres to all applicable rules and regulations.

    In terms of features, they are the same as other short term loans. State regulations restrict how much you can borrow and what fees and interest lenders can charge. There is usually a limit on loan terms as well.

    It is important to note that payday loans are not legal in all American states. If a lender is willing to provide you a payday loan in any of the states where they’re not legal, you’ve automatically got reason to be wary.

    Check what the rules are in your state

    A selection of secure short-term loans you can apply for

    Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

    Rates last updated October 23rd, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    1 business day
    Must have direct deposit and meet minimum income requirements.
    LendYou Short-term Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    1–2 days
    Must have an active checking account, regular source of income and email address.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    The features that come with secure short-term loans

    A secure short term loan offers the same features that come with a typical short term loan. Here’s what you can expect when you apply:

    • Secure online application. Lenders who provide secure online short term loans make use of the latest encryption technology to ensure that the personal and financial information you provide remains safe.
    • Loan amount and term as per state laws. A lender should not offer you a loan that exceeds the restrictions of the state – for instance, if you’re a resident of California you cannot be offered a loan of more than $300.
    • Quick access to funds. Some online short term lenders can give you access to the money you need on the day you apply, or at the latest the following business day. If you apply online and the lender has a physical branch location you may have the option of picking up your loan in-store.
    • Use your funds however you need to. You can use the loan amount for any worthwhile purpose. This includes paying bills, repairing your car or simply getting through to your next payday.

    What you should look for to find a safe loan

    There are many loans on offer. Here’s how to find a safe option no matter what kind of financing you’re looking for:

    • Payday loans.
      A payday loan is usually paid back in one lump-sum, typically when you receive your next paycheck. Contact your state’s Better Business Bureau (BBB) to find out if the lender you’re considering follows its standards and if there are any unresolved complaints against its name. You can also check if the lender has a valid license by contacting your state’s Department of Financial Institutions.
    • Installment loans.
      These loans require you to make repayments in installments spread across a scheduled time period, which can be up to a year or more. Ensuring that you’re dealing with a reliable lender when getting an installment loan is crucial. To check the reputability of the lender, you can follow the same process as detailed above for short term lenders.
    • Auto title loans.
      With an auto title loan, you use your vehicle’s deed to serve as collateral. Make sure you deal with a trusted lender who will not try to take your vehicle without giving you the opportunity to repay the loan. You can check if the lender is trusted by looking for independent reviews online on third-party websites.
    • Online cash advance loans.
      These are the same as short term loans. Make sure the lender uses data encryption your information when you transfer it online.
    • Storefront short term loans.
      You can expect a safer transaction when you get a storefront short term loan because you don’t have to worry about your details making it into the wrong hands online. Other than this, finding out if the storefront lender has a valid license is a good step to take.

    How to protect yourself from payday loan scams

    Is applying online for a short-term loan safe?

    Online SecuritySafe short-term loans are easy to find in the online world. Most of the leading short term lenders make use of 128-bit secure socket layer (SSL) encryption technology to keep the transfer of information secure.

    When you’re considering online short term lenders, stick to ones who provide phone numbers and mailing address in a visible location on their website, and that they are easy to contact.

    The short term industry is home to some disreputable lenders, which means it’s important that you compare your options and apply with lenders that you have determined are reputable and trustworthy.

    Frequently asked questions about secure short term loans

    Are payday loans available in my state?

    Was this content helpful to you? No  Yes

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

    4 Responses

    1. Default Gravatar
      DianeMay 27, 2017

      Need a fast but safe site to get a loan?

      • finder Customer Care
        HaroldJune 19, 2017Staff

        Hi Diane,

        Thank you for your inquiry.

        On this page you can navigate to the section “A selection of secure short term loans you can apply for” where you can review and compare the list of lenders that might fit your personal requirements.

        I hope this information has helped.


    2. Default Gravatar
      DianeMay 27, 2017

      I just want fast money to go into my account today a one time lender don’t want to keep on filling out on line paper work just fill out one time paper work who is safe?

      • finder Customer Care
        HaroldJune 21, 2017Staff

        Hi Diane,

        Thank you for your inquiry.

        On this page, you can review the offers from the different lenders. Once you have decided which lender you are going to send your application you may click the “go to site” button to be redirected to their actual website.

        I hope this information has helped.


    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    Go to site