{"id":1307,"date":"2019-12-06T19:51:58","date_gmt":"2019-12-06T19:51:58","guid":{"rendered":"https:\/\/www.lendnation.com\/what-makes-a-great-payday-loan\/"},"modified":"2025-07-30T17:37:49","modified_gmt":"2025-07-30T17:37:49","slug":"what-makes-a-great-payday-loan","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/what-makes-a-great-payday-loan\/","title":{"rendered":"What Makes A Great Payday Loan?"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2019-12-06T19:51:58+00:00\">December, 2019<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">What Makes A Great Payday Loan?<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"501\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/best-payday-loans.jpg?w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/best-payday-loans.jpg 1000w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/best-payday-loans.jpg?resize=300,150 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/best-payday-loans.jpg?resize=768,385 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-factors-to-consider-when-choosing-a-payday-loan\"><strong>Factors to Consider When Choosing a Payday Loan<\/strong><\/h2>\n\n\n\n<p>Having low or no credit shouldn\u2019t stop you from getting a loan \u2013 and it doesn\u2019t with <a href=\"https:\/\/www.lendnation.com\/resources\/wiki\/payday-loan\/\">payday loans<\/a>. What should stop you, though, is whether or not you\u2019re getting&nbsp;<em>the best<\/em>&nbsp;payday loan in the US. So, how do you know what\u2019s best? By ensuring these five factors, you\u2019ll know just how to choose the best payday loan for you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reputable-amp-regulated-payday-lender\"><strong>Reputable &amp; Regulated Payday Lender<\/strong><\/h3>\n\n\n\n<p><strong><\/strong>In the United States, payday loans are&nbsp;<a href=\"http:\/\/www.ncsl.org\/research\/financial-services-and-commerce\/payday-lending-state-statutes.aspx\" target=\"_blank\" rel=\"noopener\">regulated at the state level<\/a>&nbsp;and currently, 37 states have specific statutes for payday lenders. Simply put, this means that each state has different rules when it comes to payday loan products. As a result, what payday loan companies in your state offer will all vary. If your payday loan company is reputable, they follow these rules \u2013 and you can tell as soon as you land on their website.<\/p>\n\n\n\n<p>When you visit a payday loan company\u2019s website, the first thing that might happen is the website will verify where you live. This ensures you\u2019re getting the correct rates and information for your state. The state license should also be clearly visible on the website. Licensed lenders follow the state guidelines and are audited to ensure they\u2019re following the rules.<\/p>\n\n\n\n<p>Another way to determine if the payday lender is reputable is to see if they\u2019re a part of industry groups. Most nationwide financial groups depend on its members to reflect their solid reputation, and therefore, unscrupulous lenders are typically not a part. LendNation is proud to be part of the<a href=\"https:\/\/www.cfsaa.com\/\"><\/a><a href=\"https:\/\/www.cfsaa.com\/\" target=\"_blank\" rel=\"noopener\">Community Financial Services Association of America<\/a>&nbsp;(CFSA), a leading national association that helps create product development, technological advances, and regulations for the small-loan industry.<\/p>\n\n\n\n<p>Last, reputable payday loan companies will have a clearly labeled and easily accessible <a href=\"https:\/\/www.lendnation.com\/disclosures\"><\/a><a href=\"https:\/\/www.lendnation.com\/disclosures\" target=\"_blank\" rel=\"noopener\">disclosures page<\/a>&nbsp;that provides understandable lending information, explanation of terms, and what you can expect working with them, usually organized by state.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-payday-lending-rates-are-reasonable-and-clearly-labeled\"><strong><br>Payday Lending Rates are Reasonable and Clearly Labeled<\/strong><\/h3>\n\n\n\n<p><strong><\/strong>These days, it feels like even the simplest products have contracts that require a law degree to understand. A credible lender will help explain the details to you in easy to understand language.<\/p>\n\n\n\n<p>If a payday lender does not make it clear what the interest rates are and what your repayment amount will be \u2013 and when \u2013 then it\u2019s wise to stay away. When you visit LendNation, long before any application is completed, you will know down to the penny how much a payday loan will cost and when it will need to be repaid.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-payday-lenders-follow-loan-term-and-repayment-guidelines\"><strong><br>Payday Lenders Follow Loan Term and Repayment Guidelines<\/strong><\/h3>\n\n\n\n<p><strong><\/strong>One trick to find out if the lender follows the guidelines is to review their repayment practices. The lender should happily share that they follow all federal and state laws in regards to repayment and uphold the&nbsp;<a href=\"https:\/\/www.investopedia.com\/terms\/f\/fair-debt-collection-practices-act-fdcpa.asp\" target=\"_blank\" rel=\"noopener\">Fair Debt Collection Practices Act<\/a>&nbsp;that limits bad behavior from collectors.<\/p>\n\n\n\n<p>\n<strong><span style=\"font-size: 16px;\">4. The Payday Loan Application is Simple<\/span><\/strong><strong>\n<\/strong><\/p>\n\n\n\n<p><strong><\/strong>A payday loan is a short-term loan for relatively small amounts and because of this, you shouldn\u2019t have to jump through hoops to apply. You should be able to complete an application in minutes and without digging out tax returns from years ago. At LendNation, all you need to complete the application is a current US-issued photo ID, an active checking account in your name, a steady income and a working phone number.<\/p>\n\n\n\n<p>Most lenders also provide several ways to apply, whether that\u2019s applying for a payday loan online, by phone, or in-person. With more than 250 locations across the country, LendNation makes it almost as easy to apply in-store as it is to apply online.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-payday-lender-has-a-great-reputation-with-customers\"><strong><br>The Payday Lender Has a Great Reputation with Customers<\/strong><\/h3>\n\n\n\n<p><strong><\/strong>It isn\u2019t easy to ask for help, no matter who it\u2019s from. Why would you want to work with a lender who makes you feel bad for reaching out? There are a few clear signs that a payday lender may not be enjoyable to work with, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No language on their website suggests a people-first approach.<\/strong>&nbsp;Working with LendNation means you\u2019re treated with the respect you deserve. Look for an About Us or&nbsp;<a href=\"https:\/\/www.lendnation.com\/who-we-are\/\">Who We Are<\/a>&nbsp;page to get a feel for the lender\u2019s approach.<\/li>\n\n\n\n<li><strong>The lender has been in business for a long time.<\/strong>&nbsp;Referrals from friends or family members are important to most people when choosing a lender. If people are repeatedly unhappy with a lender, they won\u2019t go back. LendNation has been providing our neighbors with short-term loans for 30 years \u2013 a clear sign that we are doing something right!<\/li>\n<\/ul>\n\n\n\n<p>Your relationship with your lender is very important and shouldn\u2019t be a decision you rush into. There are hundreds of payday lenders across the nation \u2013 but not all of them are created equal. Make sure you spend a little time doing research to find the right lender for you, one that follows the rules, offers clear rates and fees, practices positive repayment practices and treats you with respect. When you need help getting cash, think of LendNation for&nbsp;<a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">a title loan, installment loan or payday loan<\/a>!<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11594 post type-post status-publish format-standard has-post-thumbnail hentry category-loans tag-apply-online tag-bad-credit-loans tag-budget-tips tag-fast-loans tag-instant-loan tag-loan-approval tag-payday-loan-online tag-personal-loans-bad-credit\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">Top 5 Myths About Online Loans Debunked<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-04-09T19:36:08+00:00\">April, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/04\/Phone-Mock-Teal.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Person holding a smart phone about online loan.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/04\/Phone-Mock-Teal.jpg 2289w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/04\/Phone-Mock-Teal.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/04\/Phone-Mock-Teal.jpg?resize=768,512 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https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/missouri-title-loans-guide\/\" target=\"_self\" >Everything You Need to Know About Missouri Title Loans<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Learn the key factors that make a payday loan great, including clear terms, reasonable rates, and great customer service.<\/p>\n","protected":false},"author":18,"featured_media":1308,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ 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