If you need money really quickly then you might find that you are rather in a panic when you are choosing between lenders. It can often be hard to focus on what you are looking for as you may not be thinking straight. It is therefore wise to try to take some time to just work out what you want and then you will be able to pick more easily between lenders but make sure that you are getting one that works for you.


Payday loans are designed to help out in emergencies and this means that you should be able to get the money that you need quickly. However, you will find that they still differ in how quickly they can deliver the money. Some might be able to get the money within a few hours and others within a few days. This could make a significant difference, depending on how soon you need the money. You may find that it will give details of how soon you can get the money on the lender’s website. Alternatively, you might have to get in touch with them to ask. Although this research seems like it will take time, it will be worth it if it means that you can get the money significantly quicker. You will probably find that there will be a selection of lenders that will be able to get you the money that you need very quickly.

Picking Between Lenders

You may find that some lenders are available day, night and weekends. This could be useful if you need the money outside normal working hours. Therefore, think about whether you would need a lender that can provide that service or not. You will also need to find out how quickly they would be able to provide the money. This will vary and you may need to contact the lenders directly rather than look on their website to find out this information. If a few days is quick enough, then this may not be such an important step for you.

You may find that there are a lot of lenders that are able to provide the quick service that you require. This means that you will then need to further pick between them. It is wise to compare them and look at other features too. Although speed might be what you are focussing on, because you need the money so quickly, do not neglect other factors. Cost is a big one as the lenders will vary and you need to make sure that you are not paying more than necessary. You should be able to easily compare the lenders on cost by looking at the calculator on their website. You might also want to read more about the lender on their website and possibly read some reviews of the ones that you feel would be the most suitable.

Speeding up the Process

If you need the money really quickly, then there will be some things that you will be able to do that will speed up the process. You will need to make sure that you take some time to research the best lender for you and so start this process as soon as possible. Ask friends and family or other people that you know whether they have used a lender and they might be able to help you. They could be able to recommend lenders to you. You will need to do this quickly though and if you cannot then you may have to rely on online reviews instead, which will be quicker to find but not so reliable.

Another way to speed things up is to make sure that you apply quickly. This means that you do not spend too long filling out the application form and providing the required information. Filling out forms is never fun and it is so easy to procrastinate doing this. However, until the lender gets that form they will not be able to do anything to help you, so it is so important to get that done quickly. Also make sure that you provide accurate information and that you provide contact details that you check regularly. It is no good providing them with a n email address and then not checking your email that often, as if they have a question they might choose to ask it that way.

You will need to also provide them with information such as details of your bank account and things like that. You need to think about making sure that you have easy access to that information so that you can give it to them when requested and that will not hold up the process. The more organised you are, the better you will find the whole application process and it should be quicker as well. Check carefully when applying as to what information is required and if you provide it then you will be more likely to speed up the process and get your money more quickly.

If you are considering a payday loan you will need to think about how to pick between the different lenders and find the one that is best for you. With all loans you would compare cost and so this is a good place to start. However, there are other things that you need to think about and you need to compare these as well so that you can be sure that you are getting the best value for money from your loan.


The cost is often very important to us when we are buying anything and a loan is no exception. It is important to make sure that we are not paying more than necessary. Therefore, it is wise to compare costs on various payday loans so that you are sure you are not paying more than you need. It is pretty easy to find out the cost of a payday loan. You just have to look on the lenders website and find their calculator. This will allow you to work out how much you will have to repay based on how much you intend to borrow and how long for. If you do this on each lenders site that are considering using, you will be able to see which is the cheapest and which is the dearest. It might seem a bit tedious, so you could try using a comparison website instead. These can speed up the process but will not include every lender and so you may find that they are not as accurate at showing you which will be the cheapest.


It is wise to make sure that you also check the fees that the lender charges if you miss your repayment. These can vary a lot between lenders and so it is wise to check them. These are not so easy to find and you may in fact find that you have to contact the lender to find out what they are. You may think that this is a waste of time as you predict that you will easily be able to repay on time. However, it is important to just be aware as it could make the difference between you choosing on lender over another. You may also want to make sure that you are motivated to repay on time and knowing how expensive it might be if you do not could be a great incentive.

Customer service

Some people find that the customer service they get is really important to the whole borrowing experience. It is therefore a good idea to check this out. If you are finding out how much the fees might be, then this will be a good chance to compare lenders. You will be able to compare how easy it is to get in touch with them, how quickly they reply and how helpful and polite they are. This can make a difference when you are applying for the loan but also if you have any problems while you are borrowing the money and want some help with things.

Ease of Application

It is normally really easy to apply for a payday loan, but it is worth finding this out. You may prefer to apply online or over the telephone and it will be wise to take a look to see whether the lender provides that service. Find out how you apply and then you will be able to make sure that you will be able to use the method that suits you the best. It might be that you would rather speak to someone or that you would rather apply online to avid filling out paperwork. Think about what will be the best for you and make sure that you choose a lender that offers it.


It is also wise to see whether the lender comes recommended. Personal recommendation from people that you know are the best. This is because you will know that they will not be biased and they will want to make sure that you get the best possible deal. Therefore, they will want to only recommend a lender if they really believe that they will work for you. If you do not have anyone like this to ask, then it could be wise to look at reviews online. These are more likely to be biased though, so you need to be careful and make sure that you only use trusted sites. Some reviewers will get commission on the leads they generate as a result of their reviews and so may only recommend those lenders that pay them well and therefore may miss out the ones that will actually be best for you.

It is a big decision and it is worth spending some time doing some research to work out which will be the best lender for you. Think carefully about what is important to you in a lender and make sure that you look at that as well as other factors so that you can make the best decision for you. You may be in a hurry to get the money, but if you do not spend the time making this decision then you could end up regretting it when you pick a lender that costs you more than necessary or does not provide the service that you are hoping for. It could even be wise to ask someone to help you so that you can get a second opinion.