HomeLender rankings
Every payday lender we rank, in one place.
Every US payday lender we currently track, scored against the same four weighted criteria.
-
#1
Speedeloans
- Fee per $100
- $15 to $30
- Loan size
- $100 to $1,000
- Funding
- 14 to 30 days
9.1 Editor score+ info -
#2
Advance America
- Fee per $100
- $15 to $25
- Loan size
- $100 to $1,500
- Funding
- 7 to 31 days
8.9 Editor score+ info -
#3
Check Into Cash
- Fee per $100
- $15 to $30
- Loan size
- $50 to $1,000
- Funding
- 7 to 31 days
8.3 Editor score+ info -
#4
CashNetUSA
- Fee per $100
- $10 to $30
- Loan size
- $100 to $3,000
- Funding
- 8 to 35 days for payday products
8 Editor score+ info -
#5
Speedy Cash
- Fee per $100
- $15 to $30
- Loan size
- $50 to $1,500
- Funding
- 8 to 31 days
7.8 Editor score+ info -
#6
ACE Cash Express
- Fee per $100
- $15 to $30
- Loan size
- $100 to $1,500
- Funding
- 7 to 35 days
7.6 Editor score+ info -
#7
Check `n Go
- Fee per $100
- $15 to $30
- Loan size
- $50 to $1,500
- Funding
- 8 to 35 days for payday products
7.4 Editor score+ info -
#8
OppLoans
- Fee per $100
- APR-based, not flat fee
- Loan size
- $500 to $4,000
- Funding
- 9 to 18 months
7.2 Editor score+ info
How we got these numbers.
Every lender is scored against the same four weighted criteria: cost and clarity of APR, borrower protections, transparency and licensing, and customer experience. The rubric is fully published, not negotiable, and refreshed monthly. Each detail page shows the score breakdown, the fee schedule, funding speed, and state availability, with a direct link to the lender.