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A payday loan will keep you from worrying about that unplanned medical bill, or that utility bill that is threatening to disrupt your family’s daily comfort that you are all used to. But, before you sign off on that quick cash advance, you need to make sure that you are taking a safe payday loan.

This is because putting aside the security of your personal information that you put out there in the loan acquisition process is not a risk you want to take.  No matter how much pressure you are under, with that being said, we at Nation 21 have taken the necessary precaution in making sure that the lender we match you with is a reputable one.

Applying does NOT affect

your FICO® credit score!

What is a safe online payday loan?

The process of acquiring a payday loan requires that you submit a substantial amount of financial and identification documents over the internet; therefore, security plays a significant role in the way the loan provider keeps your information, this must be safe and confidential at all times.

The lender must adhere to all state rules and regulations; the said regulations are strict on how much you can borrow and what fees are charged. Moreover, payday loans are not legal in all American states and so if a lender is willing to provide one where it has been declared illegal, this is a red flag worth walking away from such deals.

Features of a safe payday loan

Secure online application- All reputable online lenders are using the latest encryption technology- Security Socket Layer (SSL) to ensure that personal information received remains safe and secure. Make a note of this and confirm that to be in place before you give out your information for approval.

Loan amounts - every state has its restriction on the amount a lender can provide at any one time. Therefore, a lender must not offer more than it is stipulated in your state of residence.

Quick access - Within a few hours of approval, funds should have been credited to your account, or the next business day. Moreover, there should be no restriction as to how you spend your advanced cash. Yet, it is prudent to spend it on the actual emergency you are currently facing.

Bad credit - whether you have good, bad, or no credit; this has no impact when it comes to accessing a payday loan, the ability to repay the loan is what matters.

Applying does NOT affect

your FICO® credit score!

What to look for before applying

Payday loans are normally short term cash advances that are payable with two weeks to a month after borrowing. However, the lender you use must be accredited by the Best Business Bureau (BBB).  Find out if the lender follows their set standards, and if there are unresolved complaints against the lender.

You can also confirm the validity of their licenses by contacting the Department of Financial Services (DFS), especially when you use store-front lenders.

Disreputable lenders thrive in the short term lending business, and for this reason, always confirm from online third-party reviews concerning the reputation of the lender you intend to use just to be safe.

How to qualify

  • You must be 18 years or age of majority
  • You must have a valid checking account
  • You must have a verifiable email and telephone
  • Be employed for at least 90 days
  • Not in active military service

Cost of an online payday loan

Interest and fees- payday loans are charged a flat rate on the original amount, with an APR ranging between 100%- 300%, depending on the lender you use.

However, late and missed repayments attract additional fees and penalties which can escalate way above the original amount borrowed. For this reason, it is important to make the loan amounts and the accompanying fees available on the due date.


Whenever you are looking for a safe online payday loan, contact a reputable lender who will not steal personal information, and commit fraud.

In the case of title loans, rogue lenders are known to take possession of your vehicle; which is the loan collateral without giving you an opportunity to repay your loan first

Keeping current with your repayments will ensure good business relations with your lender, and improve your overall credit score earning you better loan terms in the future.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?