Start with identity
Know who receives your application
A bank or direct lender makes the credit decision. A marketplace compares offers. A lead generator may sell or distribute the application. Those are materially different relationships, especially when a form requests a Social Security number, income, phone number, or bank account.
Lowest concern first
Payday Loans rankings
Reviewed weekly · Updated July 24, 2026 · 14 profiles and records
| # | Provider | What it is | BorrowerRisk | Cost structure | Primary concern |
|---|---|---|---|---|---|
| 1 | Amscot | direct lender | 6.5Elevated concern | Florida-specific fee schedule | Short repayment and repeat use remain material risks even with posted state fees. |
| 2 | Moneytree | direct lender | 6.6High concern | High-cost; product and state vary | Availability is limited and refinancing/repeat borrowing can raise total cost. |
| 3 | Advance America | direct lender | 6.7High concern | High-cost short-term credit; varies by state | Very high effective APRs, short repayment windows, and state-by-state product differences. |
| 4 | Check Into Cash | direct lender | 6.8High concern | High-cost; varies by state | Short terms and fees can create repeat-borrowing pressure. |
| 5 | Check `n Go | direct lender | 6.9High concern | High-cost; varies by state | Product type, APR, and availability change substantially by state. |
| 6 | Speedy Cash | direct lender | 6.9High concern | High-cost; state disclosures apply | A longer installment schedule does not necessarily make a high APR affordable. |
| 7 | ACE Cash Express | direct lender | 7.0High concern | High-cost; varies by state | Multiple financial products are marketed together; verify the exact lender, APR, and payment authority. |
| 8 | OppLoans | direct lender | 7.2High concern | High-cost installment lending | Longer terms can produce very high total repayment; confirm the bank or lender named in the agreement. |
| 9 | NetCredit / Enova | direct lender | 7.6High concern | High-cost installment or line of credit | High APR potential plus the parent company’s documented CFPB enforcement history. |
| 10 | CashNetUSA / Enova | direct lender | 8.0High concern | High-cost installment or line-of-credit products | CFPB orders found unauthorized debits and failures to honor extensions; a 2023 order imposed redress and a $15 million penalty. |
| 11 | Generic payday matching sites | lead generator | 8.8Enforcement / scam warning | Unknown until routed | The FTC warns that payday leads containing bank and identity data can expose consumers to fraud and unauthorized debits. |
| 12 | We Give Loans enforcement archiveArchive | enforcement archive | 9.5Enforcement / scam warning | Historical payday lead generator | The FTC alleged advertised fees and terms omitted required annual percentage rates. |
| 13 | T3Leads enforcement archiveArchive | enforcement archive | 9.7Enforcement / scam warning | Historical lead aggregator | The Bureau alleged inadequate vetting of lead buyers and sellers handling sensitive applications. |
| 14 | Advance-fee loan scamsArchive | enforcement archive | 10.0Enforcement / scam warning | No legitimate loan | The FTC says paying first for a guaranteed loan is a core scam signal. There may be no lender or loan at all. |
Published standards
How BorrowerRisk works
Scores compare licensing and identity clarity, pricing transparency, application-data handling, repayment control, complaint and enforcement evidence, cancellation friction, and the risk of repeat borrowing.
Primary sources, not rumor
Enforcement records stay visible
Defunct domains and documented scam patterns are preserved as non-clickable archive records. We link to the regulator, court, or agency source—not to a potentially malicious destination. Active companies with enforcement histories remain active profiles and the exact allegation, order, or settlement is identified.