THRIFTY Payday Loans
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I'm currently employed or receive recurring income regularly
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I make at least $1000/mo if employed or $800/mo if on a fixed income

Payday Loan Regions



Payday loans are regulated at the state level and as such the payday loan regulations vary quite a bit from state to state (one exception to the general state regulation guideline is that in October 2006 the Federal Government passed a law setting a cap on the APR that payday loan companies can charge members of the United States Military. This cap is currently 36% APR). Payday loans should always be used responsibly and are no substitute for a disciplined savings program. However, the payday loan industry is a growing industry and fills a definite need for many Americans that do not have access to cheaper alternative forms of credit.

 

Payday Lending State Laws

Payday lending is perfectly legal in 37 of the 50 states. In 12 of the 13 remaining states state legislators have curtailed payday lending mainly due to state mandated usury limits (which make payday lending not feasible due to the high processing fees and transaction costs borne by payday loan lenders). Georgia is the only state that has very strict payday lending laws. In fact, Georgia law has disallowed payday lending for more than 100 years and has very recently made payday lending a felony charge.

 

Online Payday Loan Laws

Typically, payday lenders are regulated by the lending laws of their state or country of domicile. Many residents of Georgia and other states that need a payday loan are turning to the Internet for a quick and easy payday loan. Consumers in every state can benefit from the online payday loan process. Many seem to find that online payday loans have certain advantages over payday loans from a physical storefront including convenience, overnight instant cash transfers, no traveling, no writing paper checks, no in person hassles, and no returning to the payday loan storefront to pick up a check on payday.

 

How To Apply For An
Online Payday Loan

Use the free tool at the top of the page to get started with the online payday loan application. Most applications will take just a few moments and once submitted will be greeted with an instant approval and cash transferred to your bank account. If you need quick cash then get started applying for a payday loan now!