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Secure payday loans

Find out what makes a short-term loan safe and how you can get one.


Editor's choice: OppLoans Installment Loans

  • Easy online application
  • Quick approval
  • Long repayment terms
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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.

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

Compare short-term loans

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

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Name Product Filter Values Loan amount Turnaround time Requirements
Chime SpotMe overdraft
Up to $200
$200 in qualifying direct deposits into a Chime checking account in the last 34 days
OppLoans Installment Loans
$500 to $4,000
1 business day
Direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.

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.

How 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

Are payday loans available in my state?

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4 Responses

  1. Default Gravatar
    DianeMay 27, 2017

    Need a fast but safe site to get a loan?

    • Avatarfinder Customer Care
      HaroldJune 19, 2017Staff

      Hi Diane,

      Thank you for your inquiry.

      Our secure payday loans page can help you review and compare the list of lenders that might fit your personal requirements.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      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?

    • Avatarfinder 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.


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