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Get the Best Payday Loan Rate

Payday loans see a great demand and each year, this demand seems to steadily be rising. The factors behind this are many, but the most important ones are:

  • Payday lenders typically accept bad credit scores
  • Payday loans being very short-term loans, do not burden borrowers for long
  • Most lenders are able to credit payday loans within a few hours or a single day
  • Payday loans are easily available online with no need of faxing or paperwork, through services like ours at EzPaydayCash.

That said, payday loans tend to remain a rather expensive borrowing option and hence finding a safe payday lender offering the best payday loan rate, can help a borrower at a time of need.

What makes Payday Loans Expensive?

Being quick loans that accept high risk borrowers (bad credit borrowers), payday loans are categorized as high-risk loans. A business investing in a high risk proposition, typically does so with an expectation of high potential of returns. This is one factor that makes payday loans expensive.

However, a service today, can only be expensive if the demand is high. And in the case of payday loans, the demand in the market is strong as people see value in the services despite the high costs associated with it.

This is what makes payday loans expensive in comparison to some other loans available in the market.

You Pay for Personalized Service with a Brick & Mortar Lender

A conventional payday lender operating from a pawn store or an office incurs expenses of real estate, employees and many other cost heads that are either lower or absolutely zero in the case of online payday loan lenders.

When you choose such a conventional or store-based lender, chances are that those costs impact what loan rates and fees you are quoted. The simple way to avoid such added expenses is to always choose online payday loans. That said, let’s understand the key factor that makes online payday loans less expensive.

Competition makes Online Payday Loans Affordable

Best Payday Loan Rate
In today’s market, online payday loans are commonplace. Though very few lenders have genuine and noteworthy services to offer, there is immense competition in the market, with hundreds of lenders offering payday loans. While some lenders are legitimate, some are not. Nonetheless, there is evident competition and competition always favors customers. This important factor ensures that online payday loans remain affordable.

Best Interest Rates for Bad Credit Payday Loans

Bad credit payday loans are amongst the most expensive payday loans that a lender offers, due to the high risk factor. Especially during festive seasons when the demand of such loans rises, bad credit loans tend to get even more expensive.

However, with us at EzPaydayCash, you can get a competitive deal on a bad credit online payday loan at any time during the year. So, when you need a payday loan, simply fill up our application form. It doesn’t reflect upon your credit reports as our bad credit loans feature no credit checks. Once we receive details, we shall make a basic assessment and offer you a loan with a competitive rate that is designed to best suit your finances.

Staying Safe with Online Payday Loans

Typically, dealing with a prominent online lender is safer than choosing to deal with a store based direct lender whose services are hard to assess.

While these select prominent online lenders offer legitimate and affordable payday loans, some scammers do exist and some entities pretend to be registered direct lenders while not having any such business registration. Dealing with such potential scams can be devastating.

It is hence important to ensure one’s safety while choosing payday loans. To be sure you’re dealing with a safe and legitimate direct lender, keeping a few points in mind can be of great help:

  1. Check online reviews of your lender
  2. Look for signs of a secured website of good quality
  3. Look for accreditations like BBB
  4. If an offer seems too good to be true, it’s probably a red flag
  5. Be sure you find loan agreements and offers transparent and easy to understand.

Apply for a Payday Loan with the Best Rate

When you know that you’re in need of a payday loan, simply choose EzPaydayCash and you shall not be disappointed. Getting the best payday loan rate is easy as we provide competitive deals on loans that are safe and quick to get approved for. So, hit the “Apply Now” button and we shall get in touch with you shortly, to discuss a loan offer designed to work for you.


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Consumer Notice: A payday advance is a small, short-term loan intended to cover a borrower's expenses until the next payday. Payday advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory assistance. Consumers are encouraged to learn more about the risks involved with payday advances, local laws and regulations that may apply to payday advances, possible loan alternatives and recent developments in their state.

Legal Disclaimer: is a legitimate direct lender authorized to lend money to genuine borrowers where the interest rate, term and maximum amount that can be borrowed are solely decided by the company. Without authentic and verifiable information in the application, funding by no means is guaranteed. Upon requirement, the prospective borrower is expected to provide additional document/information- failing which would result in rejection of the loan application. While reviewing loan applications, we typically do not perform credit checks with the three major credit reporting bureaus (Equifax, Experian and TransUnion). However, soft credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained in certain circumstances. You will not be charged any fees to use's service. Learn more by reading our Rates & Fees section. To change your communication preferences for this website or to submit a comment or question you can contact us.

Availability: Residents of some states may not be eligible for a payday advance based upon lender requirements. does not guarantee that completing an inquiry form will result in being offered a loan product with satisfactory terms or rates. It also worth noting that any loan request submitted on Friday after 6:00 PM EST will be processed on the next business day. For inquiries related to our services you may Email us at