Legit Online Loans and Where To Find Them

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John Brown, Financial Analyst

Last Updated: June 3, 2022

The internet makes everything easier. You might consider yourself tech-savvy and comfortable accomplishing tasks online, from ordering a pizza to paying your bills. Yet, one of the most sought services in the US in 2022 is getting a loan. Why? Getting a safe loan online is a convenient and fast option for borrowing money. Statistics show that 12 million Americans use payday loans each year.

And everyone understands that the stakes are higher when you apply for a loan online than getting a pizza. You need to provide sensitive information to somebody you might not know, and you’re probably talking about a relatively large amount of money. The safest way to get legitimate online loans is to ensure you’re dealing with a reputable lender and keep an eye out for red flags. You risk two significant consequences when borrowing money online:

Losing money

Fake lenders can easily set up shop, promise the world, and charge high fees for approving your loan. But you might not get what you paid for.

Paying too much

It shouldn’t be “breaking news” that when you receive a shady loan, you might pay a lot more than you intended. However, reputable lenders will offer you the same funding for less.

Reputable And Legitimate Companies To Get A Small Loan — How To Find One

Effort and diligence pay off literally when researching a lender. But, of course, you want to put your best foot forward when applying for any loan. The same way a lender will look at your credit score, you should be looking at an array of factors in a lender or any other financial institution when considering borrowing from them. We’ve devised an easy three-step checkup list for you to use when researching your lender.

Check for an online presence: Before you do business with an online lender, do an internet search for the company name. You can also look up the domain name registration to see when a website was registered. This may help you spot a brand-new site that may have been created for evil purposes. Loan brokers and loan companies must be registered in certain states. If they are, they will list that license information on their website. So look for it, and when in doubt, verify it. Most importantly, before entering any information on an online lender’s website, check for a padlock in the URL to ensure the site is secure. You can then click on the padlock to see if the security certificate is up-to-date. Never enter personal or sensitive business information on a website that is not secure!

Research the business location: Look under the website contact information for a physical address, then look that address up on Google Maps. You may be surprised how many of these searches result in a residential home address or a business that has nothing to do with lending! If the only address is a P.O Box, do additional research to verify the company is legitimate.

Check with the Better Business Bureau: Even if the loan company has an online presence, that doesn’t necessarily mean that its operations aren’t predatory. Check the Better Business Bureau website to learn more about whether the lender is worth working with. You’ll typically see a letter grade from A+ to F, along with reasons for the rate. In some cases, you’ll also be able to read customer reviews, giving you a better idea of what to expect. If you find that the lender wouldn’t be a good fit, you can also use the website to find one that might be better.

Do a gut check: Lenders want your business, but they shouldn’t be desperate for it. If you feel like the person you’re dealing with is overly aggressive or manipulative, it might be a sign that they’re trying to fluster you and make you feel like you need to make a decision before you get all the facts. If you feel uncomfortable about the process at any time, take a step back and consider why you feel that way and whether you should continue.

Legitimate Payday Loan Consolidation Companies

Payday loan consolidation is when you combine multiple existing payday loans under one “umbrella.” It is a new personal loan, which you pay off in monthly installments at a lower interest rate. By consolidating payday loans with a lower-interest personal loan, you can have a more extended repayment period and small monthly payments that are easier to manage. In addition, having just one loan payment can feel less overwhelming and help you stick to your debt payoff plan.

If you want to consolidate payday loans, you’ll need to apply for a personal loan from a credit union, online lender, or bank. Once approved for a personal loan, you’ll receive a lump sum of money that you’ll use to pay off your payday lenders. You’ll then make monthly payments on your new personal loan until that loan is paid in full. Payday loan consolidation is generally a good idea as long as you can qualify for a personal loan at a lower interest rate. Though personal loans can also have high APRs, they don’t exceed 36%, a considerable difference from triple-digit rates. Consumer advocates consider 36% to be the maximum APR for an affordable loan.

Personal loans also have more forgiving repayment terms. Though this may mean a longer loan, it can offer a more straightforward path out of debt since installments are small and fixed, meaning they won’t change throughout the loan. Now to what really matters: What kinds of debt can be consolidated? Legit loan consolidation companies can help you settle debts that include:

Some companies will require that you have a minimum amount of unsecured debt. With loan consolidation, success largely depends on maintaining a good working relationship with your lender and resolve in managing your money. However, GetCash has vast experience in managing various loan requests and a vast array of vetted lenders, so we know what exactly to look at when choosing a legit loan consolidation option.

Customer Service:

The first thing an excellent debt-relief company will do is put you at ease. Companies should provide clear answers and have a reputation for integrity and success. Counselors should be trained and certified by a state or national organization. It helps to know how credit counselors are compensated. That should be a red flag if they receive bonuses for selling additional services. Good customer service should also educate you about the root cause of your problems with debt and train you on how to avoid making those mistakes.

Transparency

Choose a debt consolidation company that discloses all terms involved in doing business and freely provides information to verify its claims. The most accessible place to gauge a company’s transparency is often its website.

Payday and Personal Loan Reviews: Can they be trusted?

There is standard information that any borrower should be aware of before committing to anything. In case you’re not using our service and search for the most trusted payday loans online and safe consolidation options on your own, check the following info:

Is the company stable?

How long has the company been in business?

Who are they?

Is there a page that lists its top executives, the company’s physical address, hours of operation, and phone number?

Choice of programs:

Do they offer loans, or is the focus on credit counseling and programs like debt management plans or debt settlement?

Cost and fees:

Do they list all the fees (origination fee, monthly fee, late payment fee) associated with loans or programs? For example, what are the interest rates if they offer debt consolidation loans?

Choice of programs:

Do they offer loans, or is the focus on credit counseling and programs like debt management plans or debt settlement?

Cost and fees:

Do they list all the fees (origination fee, monthly fee, late payment fee) associated with loans or programs? For example, what are the interest rates if they offer debt consolidation loans?

Program time frame:

How long should it take to pay off the debt? If you receive a
loan, is there a prepayment penalty?

Eligibility:

Is there a minimum or maximum amount of debt to qualify? Is there a
minimum credit score required? Is this for unsecured debts, or does it includes secured debts?

Customer service:

Will you get a personal counselor assigned to you? Can you interact with them online or with a smartphone? Is there a page for objective reviews of the company’s performance?

Customer service:

Will you get a personal counselor assigned to you? Can you interact with them online or with a smartphone? Is there a page for objective reviews of the company’s performance?

Customer service:

Will you get a personal counselor assigned to you? Can you interact with them online or with a smartphone? Is there a page for objective reviews of the company’s performance?

Reviews are not on this list simply because they are not as iron-clad as they may seem. To assure that our clients access only safe personal loans, GetCash vets its partners before connecting them with you. However, if you are looking for a financial partner on your own, you should consider doing your own research, minding that not all the reviews can be trusted.

Trusted Loans From Direct Lenders — Find With GetCash

If you choose to continue your search for a safe loan consolidation option with GettCash, you should know what kinds of steps await you. That’s why we’ve compiled the step-by-step manual for you:

STEP 1

Determine the desired loan parameters.>

STEP 2

Fill in a form.

STEP 3

Submit your request.

STEP 4

Wait for GetCash to connect you to a suitable lender.

STEP 5

Familiarize yourself with the terms.

STEP 6

If the terms match your needs and expectations, accept the loan.

How To Be Eligible For Legitimate Payday Loans — Online Tips From Direct Lenders

Your credit profile alone may not disqualify you, but here are some things to consider for the best chance at a smooth enrollment. Eligibility criteria for finding a loan with GetCash are the following:

Proof of income

Proof of employment gives the lender confidence that you have enough income to succeed in paying off the loan, but other sources of income like social security benefits might work as well.

Age limit

As GetCash vets its lenders, so do lenders with borrowers. Thus, you must be at least 18 years of age to qualify for loan consolidation.

Financial agility

Lenders want to know how to transfer the funds to you. The most suitable. So the next requirement is that you hold a bank account.

Personal information

The scope of personal data we require for connecting you to a fitting loan consolidation partner is an active telephone number and a valid email.

In case you are applying for a loan for the first time and want to know how to boost your chances of being approved, we’ve compiled a quick guide to help you be the most comfortable finding your loans. These are GetCash experts’ tips for successfully applying for a loan:

1. Review your finances:

Before applying for a loan, make sure you need it. Success with any borrower’s strategy requires the following:

Your monthly payments (including your rent or mortgage) don’t exceed 50% of your monthly gross income.
Your credit is good enough to qualify for a low-interest loan.
Your cash flow consistently covers payments toward your debt.
If you choose an online loan, you can pay it off within 5 to 7 years.
For many people in the US, the option of a quick online loan reveals a more efficient way of managing personal finances.

2. Do your research:

Suppose you’re on a loan hunt on your own. In that case, you should take the time to research the market and explore the range of credit options available to you. This can help you learn the basics of borrowing and whether an online loan is a suitable form of credit that benefits your personal finances and credit history.

3. Check your credit score:

Your credit score impacts your loan application and whether it is successful or not. It informs lenders of the risk lending to you presents to them, which is how they will decide how much they are willing to lend to you and if they are eager to lend to you.

4. Compare lenders:

Again, this tip applies to “lonely hunters” only, as GetCash presents you with fitting and previously vetted lenders. But if you’re in it on your own – comparing lenders is a procedure to find the right loan provider. The World Wide Web is filled with comparison tables – use them.

5. Double-check your application:

Even if you’ve decided to use professional help, a typo or a slight discrepancy on your application can result in rejection. Ensure you enter all information, including your date of birth and a viable email address, to allow your application to progress.

Legit Personal Loans: 10 Reasons To Get Online

Benefits of applying for a personal loan online include its accessibility, swiftness, and straightforwardness of the process of applying. GetCash adds a couple of its own advantages, like the ability to work with experienced financiers. Agree it feels much safer to work with a surgeon who’s done an operation a couple of thousand times, not three… We thoroughly vet all our lenders in advance to provide our clients with only legit and safe lending options. Additionally, our experience allows us to streamline the process. As for online loans in general, the benefits of applying for one include:

You can apply online and get a personal loan (including those with GetCash lenders) 24/7. You can access it from any part of the country you want, as long as you have a working internet connection and a smartphone.
The application process to get quick cash loans is much shorter than traditional bank loans. So, an online personal loan can be a savior if you require instant cash.
No lengthy paperwork is involved when it comes to getting a loan online. The documents required by a personal loan app are minimal, which include your identity proof, address proof, and income proof.
You can get quick cash loans for a short period with an online lender. The duration usually is 62, 90, 180, 270, 360, or 540 days. These allow the borrowers to get a loan that doesn’t have a long duration as many people don’t prefer more extended liability.
You will find that online loan providers can issue much lower interest rates compared to traditional financial institutes.
Quick cash loans are unsecured loans. You don’t have to showcase any collateral or securities.

Legit Personal Loans: 10 Reasons To Get Online

You can apply online and get a personal loan (including those with GetCash lenders) 24/7. You can access it from any part of the country you want, as long as you have a working internet connection and a smartphone.
The application process to get quick cash loans is much shorter than traditional bank loans. So, an online personal loan can be a savior if you require instant cash.
No lengthy paperwork is involved when it comes to getting a loan online. The documents required by a personal loan app are minimal, which include your identity proof, address proof, and income proof.
You can get quick cash loans for a short period with an online lender. The duration usually is 62, 90, 180, 270, 360, or 540 days. These allow the borrowers to get a loan that doesn’t have a long duration as many people don’t prefer more extended liability.
You will find that online loan providers can issue much lower interest rates compared to traditional financial institutes.
Quick cash loans are unsecured loans. You don’t have to showcase any collateral or securities.

As for the reasons to apply for a personal loan, there are plenty. But we’ve decided to underline the ten most common for our clients in the last year. And they are:

Medical emergencies:

If you find yourself in a medical crisis and are worried about how to repay the bill, you can look for a personal loan online with GetCash.

Vacation:

You can take a personal loan to pay for your flight tickets or your family vacation. Statistics show that almost half of the US borrowers (47%) use personal loans exactly for that reason.

Pay your credit bills:

We all have been in a situation where we need that extra money to pay the credit card bill on time to avoid additional charges. A personal loan can help you with that. And according to Forbes Advisor stats, 29.36% of Americans use personal loans for refinancing credit card debt.

Home renovation:

People also use online personal loans for home repair expenses or renovation. 25% of personal loans are aimed at home improvement.

To buy a new asset:

Want to buy that new phone trending? You can apply for a personal loan to buy any new gadget you desire.

Unexpected expenses:

We live in the age of unexpected things. No one can deny that unforeseen expenses are just waiting to happen. A personal loan can be used to fulfill that need. 8.73% of borrowers, according to Forbes, take out a loan because of an emergency.

Educational purposes:

Having additional education is always admirable. Want to study more for professional growth? You can apply for a personal loan with an online lender for educational fees.

Festival shopping:

Returning back home during festival shopping? Well, you can buy desired gifts for your family and friends with a personal loan online.

Debt consolidation:

Managing your due loans can be difficult. This is where an online loan app can come into the picture to balance your finances well. 34.09% of US borrowers take out a personal loan to do the same.

Wedding:

Weddings can be spontaneous, romantic, and costly. You take a loan to get the wedding for years to remember today.

Legit Payday Loans: 9 Reasons To Get Online

You must have heard about the online loan app for payday loans these days. This concept is getting popular among young professionals due to the various benefits. If you are looking for a payday loan but are unsure, it is best to explore and know all the advantages you can get.

24/7 Availability

GetCash vetted lenders are 24/7. You can get access to a quick loan anytime you want.

User Convenience

You can apply for a payday loan from any part of the world at any given time. You can get a loan sitting at home or at your office.

Minimal Documentation

The information asked for by GetCash is essential and minimal. These include your valid email, phone, and income proof.

No Physical Submission

You don’t have to visit any bank or branch when you deal with GetCash lenders. Instead, the required documents can be submitted by uploading them from your computer or even a smartphone.

Small Cash Loans

Payday lenders provide instant loans from $100 to $5000. You can get a loan as per your requirement and eligibility.

Quick Disbursal

This is one of the significant benefits offered by GetCash. Once your payday loan is approved, the cash amount is directly transferred into your personal account.

Fast Process

Unlike traditional loans, payday loans are faster in the application and approval process. The application process takes 15 to 20 minutes, whereas the approval process takes as fast as a few hours. Sometimes, you can get a cash loan on the same day of application.

Flexible Amount And Duration

One can take a loan from an online lender starting from $100 up to $5000. Depending on your eligibility, you can avail of a loan amount of your own choice. The same goes for the duration of the loan. You can take a loan of 15, 30, 90, 180, or 360, for up to 540 days at your convenience.

Flexible Reason

The reason for applying for a payday loan can be flexible. You don’t have to specify any details. You can take a loan from GetCash for medical emergencies or buy gifts for your friends and family while abroad. The reason can be kept private.

Getting Legit Loans Online – How Fast Can You Get The Money?

With legit same-day loans, one of the most crucial questions we get from our clients is “How long does it take to close the deal?”. And though every case is individual, the decision is ultimately made by the lenders. However, without reservation, we can tell you that lenders from our network understand that time is essential. So the last thing they want is to make you wait for a decision on your loan to be made. GetCash offers to help you find a suitable payday loan lender for you. And on average legit same-day loan can be deposited online as fast as the same day, allowing you to get your money the same day you apply or within 24 hours of your application approval.

Getting Legit Loans Online – How Fast Can You Get The Money?

Legit Personal Loans For Fair Credit

The elusive beast of “a fair credit” is always on the agenda when talking about loans. What is considered fair credit? Why is FICO’s “fair credit” between 580 and 669, while the Vantage Score is between 601 and 660? And most importantly, will you get a loan with your credit score?

Every financial institution in the country has its own understanding of “fair credit score.” Thus, the definition differs slightly based on what lender you’re turning to. The baseline is that it’s totally up to lenders to decide what’s considered a fair credit score. Remember that having fair credit generally puts you in the middle of credit score ranges. The better your credit, the better a candidate you may be for things like credit cards. However, payday loans and personal loan providers are much more flexible than banks and other financial institutions.
Having strong credit is actually “make or break” when it comes to:

Meanwhile, quick loans are available to lower credit score owners. Many lenders in our vetted network offer financing options for a “fair credit score.” So, ultimately, the decision to get a personal loan depends on what’s important to you and your financial situation. GetCash will find you a suitable lender for your needs.

Legit loans for poor credit

As we encounter and collect critical data points from our network of lenders, we can identify the essential factors to borrowers. Thus, we offer our clients connections to lenders with affordable fees, immediate accessibility, and suitable repayment terms. In case your credit score is far from fair, we can not improve it, but we can find you a loan that will be completely

Plus, while you qualify for loans, improving your scores may help you get more favorable terms. And we’ve gathered a few pro-tips to improve your credit score:

Use credit responsibly

There are several ways to show lenders you’re a responsible borrower. First, aim to pay your bills on time every month, which shows lenders you’re following the terms of your agreement. Also, try to keep your credit balances low.

Avoid payment mistakes

Paying only the minimum amount due or maxing out your credit limit can keep your credit utilization high and bruise your credit scores. On the other hand, you could also hurt your score by paying your bills late.

Consider applications

Opening too many credit accounts within a short period could hurt your score. Credit-scoring formulas take recent inquiries into account.

Monitor your credit

Checking your credit reports regularly can help ensure the information used to calculate your credit score is accurate.

Be mindful of quick fixes

Remember that building credit takes time. There’s no such thing as a quick credit fix. But it’s never the wrong time to start developing good habits to help improve your credit.

Legit online loans with guaranteed approval

We first have to tell you that there is no such thing as guaranteed approval. Though “guaranteed approval” may exist in the movies, those would be criminal dramas about loan sharks and all kinds of mafia inside squabbles. So beware of those offering guaranteed loan approval. We are talking about (and partnering with) legitimate lenders only. However, in our experience, the chances for loan approval in 2022 are rather high.

Look for online payday loans with GetCash — It’s a safe choice

Safe and secure online payday loans do exist. And they are a quick way to get a moderate financial influx to cover some expenses before your next paycheck. It has multiple benefits, but the most prominent are:

Convenience.

The most obvious advantage of getting an online payday loan is that it’s convenient. You can apply for a loan from anywhere with an internet connection, and you’ll usually get your money within a reasonable timeframe. There is no paperwork involved. Just a short request that takes 10 minutes at the most to fill in. You don’t even have to leave your house.

Processing speed

Another great advantage of online payday loans is that they’re fast. The entire process, from filling out the application to getting your money, takes several working days at the most. But more often than not, it takes a whole business day altogether. That makes it a perfect financial instrument for unforeseen situations and emergencies.

Flexible reasoning

You can get money for any reason, plus you can keep the reason totally private. One of the best things about payday loans is that you can use them for any reason. Whether you need money to fix your car or just want to buy some new clothes, this is the most straightforward way to get financial help. You’re not limited to using the money for emergencies only. You can use the money for anything you want, whether it’s an emergency expense or something you’ve wanted to buy for a while. There are no limits on what you can do with the money, which gives you a lot of flexibility.

So, if you’re looking for a quick and easy way to get some extra cash, an online loan is a great option. Loans from GetCash lenders come with many advantages, such as convenience, speed, data safety, and more. So, if you need some extra money, be sure to consider finding an online payday loan with GetCash.

Additionally, like payday loan experts, we must remind you to be mindful of the importance of safety and security. The safe online payday loan provider will protect your data and privacy while ensuring security throughout the entire process. Our lender network is pre-vetted, so you can be sure that the loans are safe. For over the years now, we’ve worked with this financial segment, so all of our forms include robust security and encryption to ensure your personal data is as secure as possible.

FAQ

Where can I get a legitimate online loan and have it deposited the same day?

GetCash can help you find multiple safe online loan options. Of course, whether your loan arrives the same day or the next depends on the lender. However, in our experience, the chances are, with GetCash, you can find a loan that fits your needs.

How to loan money safely?

There are a few ways to ensure safety when looking for a loan. The first is to work with a financial pro like GetCash does. Also, you can research the vastness of the internet and “vet” lenders on your own. Multiple resources offer comparative charts and extensive analytics on the matter. Remember that it may take some time, though.

Where can I get help getting a legitimate online same-day loan if I've been turned down?

An important thing to remember about the financial services market is that it is not homogenous or uniform. So, each service provider makes a decision independently. In addition, our vast lenders’ network has multiple independent lenders. Thus, the chance that a particular service provider you’ve contacted before will affect the ultimate decision on your application is slim. GetCash is just the place to look for help with legitimate loans.

How to find a legitimate payday loan company?

You can go two ways about it:

Find a trusted financial partner
Or look for a lender independently

The first way is much faster, though. For example, GetCash has a network of trusted, vetted lenders who provide multiple options for payday loans. Plus, it takes embarrassingly little time to get in contact with a lender. So, our experience allows us to streamline the process.

The second way can give every client additional pieces of mind, mainly because it may suit you more to double-check every bit of information about your lender in advance. But remember that it takes significantly more time to get to the point where you received the necessary funds.

How safe are online payday loans?

In 2022 the industry has evolved to the point where getting a loan with a legit company is no longer a problem. Though, we recommend our clients to be mindful of loan offers that promise “guaranteed same day deposit,” “no credit check loan,” and altogether “hard to believe terms.” Because in our experience, such offers are either not valid or have some deliberately hidden clauses in the contract. On the other hand, GetCash will connect you with vetted and trusted lenders only.

How reputable are online loan companies?

Each financial services provider is different, but GetCash works with vetted partners only. Every client can do independent research before choosing a lender. We streamline the process and provide each client with lending options to accommodate their needs. And every opportunity will involve only a reputable lender.

How to find reputable payday loans?

You can go with GetCash and our vast network of vetted lenders. Or you can make an independent internet search, compare terms and fees, and make a deep dive into reviews and ratings. The first way guarantees your personal data safety, allows streamlining of the whole process, and offers well-tested mechanics for obtaining a loan. The second way takes more time and requires more attention.

Where can I get a legitimate $100 loan deposited into my account immediately?

We advise our client not to place trust in promises like “immediate deposit loan” or even “same day loan.” They usually have hidden clauses in the contract or are unsafe regarding personal data. However, a legitimate $100 loan can be swiftly obtained with GetCash’s trusted lenders’ network. It might take up to two business days. But on the upside, the terms will be straightforward and transparent, and all your data will be safe.

How to verify trustworthy online payday loans?

You can attempt a deep dive into comparative analytical tables and various lenders’ reviews, of which there is insurmountable vastness. Afterward, you can contact the state’s attorney general and the Better Business Bureau and double-check your findings with them. Also, you can go with a vetted network of lenders that GetCash is working with and save time.