Have you ever pinched pennies until your next check? Is your paycheck spent before you even get it?

Listen, you aren’t the only one. Plenty of people have scrambled for dough and ate packaged noodles to get by until their bank account goes back to the positive.

It’s tough when money is tight and your credit is less than par – getting a regular loan takes time and good credit.

You may have been tempted to use a payday loan service. Payday loan services are perfect for people who need instant cash without dealing with a credit check.

They entice you with their shiny, brightly lit storefronts and promises for money regardless of your poor experience with other lenders.

Don’t be fooled – some of these services are known as payday loan scams. And they can potentially harm you if used.

If you’re in need of a paycheck advance, take a look at this guide to ensure you’re avoiding these scams:

Is the payday loan service legit?

You know a sketchy website when you see one – pop-ups that make you fear for your computer’s life, constant begging for money throughout the page, and an overall bad vibe.

This works exactly the same for loan companies.

When it comes to payday loans, always go with your gut instinct and make sure they’re a legit operation.

You can do this by making sure they have a license.

Any legitimate lender will have a license or certification – period. These licenses prove they’re regulated by the government and therefore have to follow rules.

A license also ensures that you’re protected – and when you’re playing with money, it’s best to be protected in case something goes awry.

If a lender doesn’t have a license, well, we can pretty much assume they don’t like playing by the rules.

That’s a huge problem; payday loan scams won’t have certification.

Don’t pay the payer

You’re in a pinch and need money.

You’re breaking your piggy banks to get any change you can get your hands on.

The last thing you need is another payout.

Watch out for these sneaky tactics payday loan scams use to get money from you:

Asking for money upfront

Believe it or not, some payday loan scams will ask you for a percentage up front in order to secure your cash.

People actually pay the service to give them money.

Don’t be one of those people. A legitimate lender will not ask you for any money up front.

Hiding fees in the fine print

Ah, yes, the fine print.

This isn’t an Apple privacy policy you’re signing – you actually have to read it.

Make sure you fully understand what you will be expected to pay back and at what percentage. Don’t let the thought of having money quick cloud your judgment when you read the contract.

Dependent on where you’re located, government laws prevent borrowers from having to pay over a set amount on the amount they’re borrowing – this prevents you from being tricked by predatory loan services. Make sure you’re aware of this number before you borrow.

Always keep in mind that the right lender isn’t going to fool you with trickery.

Do some stalking

Stalking your ex-boyfriend is frowned upon.

Stalking your payday loan service to make sure they are not one of the many payday loan scams is not.

You want to make sure no one else has been scammed previously. Chances are, if someone has been burnt by the service, you’ll read about it.

Do all the digging you can on the lender before signing your name on the dotted line. You’ll be able to find the payday loan scams with minimal research.

Here are a couple ways to find the dirt:

BBB

The Better Business Bureau is a tried and true test to check for payday loan scams. If someone has been scammed before, the company’s reviews will light up with complaints from those scorned.

Take a quick search through their reviews page to see if any complaints have been filed.

The BBB gives you a rundown of their rating system so you know what to look out for. The website will also provide you with reviews from previous users who have been scammed.

Google

Google can also be your best friend in this situation. Type in the company’s name or phone number and if it’s a payday loan scam, you’ll see within the first several search results.

Seriously, people who have been wronged by payday loan scams will spread the news like wildfire.

If it is a legitimate loan specialist, there will be more good than bad results.

Can you call them collect?

Have you ever needed to get in contact with someone and realized you didn’t have their number?

If it was 1988 you probably checked the phone book, and if it was recent you probably just found their Facebook page.

The same policy applies for payday loan specialists. You should be able to find them and contact them.

No legitimate company works without a website in this day of technology.  Scour it for the contact page.

Can’t find one? You can bet it’s a payday loan scam.

What if you had an issue, or question to ask? If someone isn’t readily available online, via phone or in person – your best bet is to walk away.

Think it over: Avoid a payday loan scam

If you’re in a pinch, and payday seems like light years away, you’re probably searching like crazy for a way to make ends meet. Searching the internet for payday loan servicers may seem like a great idea.

But don’t lose your common sense over the idea of extra money until payday.

Think of all the important information you will be providing the lender: your social security number, your address, and your bank account information.

If you’re not careful, you’ll be serving that information on a silver platter – right into the wrong hands.

Instead of taking the risk of running into one of the payday loan scams, take a look at some other loan lenders that will be a more reliable option.

Let us know, have you been wronged by payday loan scams before? Drop a comment below and tell us about your experience!

91 thoughts on “The Complete Guide to Avoiding Payday Loan Scams

  1. I had a loan once before that charged ridiculously high interest. It was difficult. It was a ‘bad credit’ friendly loan. A quick fix.

  2. Fantastic beat ! I would like to apprentice while you amend
    your web site, how could i subscribe for a blog site?
    The account aided me a acceptable deal. I had been tiny bit acquainted of this your broadcast offered bright clear concept

  3. Good Day,

    I am a private lender i give out Guarantee Business Loans,Personal
    Loans,House Purchase Loans,Car Loans E.T.C i give out long term loan
    ranging from $2,000.00 to $1,000,000.00 from One to Fifty years maximum
    with 3% interest rate,interested Applicant should Email:(
    tinabrooksloanhome@gmail.com ) only with

    Name
    Country
    Loan Amount Needed
    Loan Duration
    Loan Purpose.
    Phone Number

  4. whoah this weblog is great i really like studying your articles.
    Keep up the good work! You realize, many people are
    searching round for this information, you could aid
    them greatly.

  5. Skype has opened up its internet-centered client
    beta to the entire world, following establishing it extensively inside the Usa and You.K.
    previously this four weeks. Skype for Internet also now facilitates
    Chromebook and Linux for immediate messaging connection (no voice and video however, all those demand a connect-in installing).

    The expansion in the beta brings support for a longer
    selection of languages to assist strengthen that international user friendliness

  6. These groups can share substantial here is how they found their way out of their addiction.
    The people that go to casino towns by using these a “plan” usually find yourself leaving that town using their tail
    between their legs. Well, here are a couple tricks to arm you with the
    proper knowledge such that you avoid shame and stay able to find yourself enjoying
    your casino experience on the fullest:1.

  7. I’m impressed, I have to admit. Seldom do I come across
    a blog that’s both equally educative and interesting, and without
    a doubt, you’ve hit the nail on the head. The issue is something
    that too few men and women are speaking intelligently about.
    I am very happy I found this in my hunt for something relating to this.

  8. Practices like effective web marketing, organic rankings, and SEO based content usage are executed in addition to maintaining the most fair standards of
    google search placement. If the study isn’t done thoroughly then every one of the efforts of promoting a website will
    likely be in vain. One thing to bear in mind while finding the right
    SEO services company is to test whether the company adopts
    white hat techniques or not. read the article

  9. Great beat ! I wish to apprentice while you amend your
    web site, how can i subscribe for a blog web site?

    The account helped me a acceptable deal. I had been tiny
    bit acquainted of this your broadcast provided bright clear idea

  10. Piano is normally the greatest reward that families could offer to
    their youngster. alongside top actors Daniel Day-Lewis, Marion Cotillard, Penelope Cruz, Nicole Kidman and Dame Judi Dench,
    to be released inside the fall of 2009. Whey doing tribal style tattoos, firstly you should bind shark teeth and animal bones along with sticks, and then dip them in ink.

  11. I got my programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 30
    days via (wesleymarkhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice. He also give loans at 3%. get yours from Wesley Mark Hackers today! Just send an email
    to (wesleymarkhackers@gmail.com)
    or watsapp +16315383658

  12. Hello Reader!

    We pray for God’s blessings and happiness in all our lives & businesses. Welcome To Kenneth Abrighten Financial Home, We grant loan of all types both short and long term. Do you need financial assistance for your business or personal stuff? Don’t fail to email us for more information as we give out loan as low as 3% interest.

    Contact Details.

    kennethabrighten@kabusinesshome.com
    customercare@kabusinesshome.com
    Website: http://www.kabusinesshome.com

    Thank you.
    Announcer

  13. hey there and thank you for your info – I have definitely picked up anything new from right here. I did however expertise a few technical issues using this website, as I experienced to reload the web site lots of times previous to I could get it to load correctly. I had been wondering if your web host is OK? Not that I am complaining, but slow loading instances times will very frequently affect your placement in google and could damage your high quality score if ads and marketing with Adwords. Anyway I’m adding this RSS to my email and could look out for a lot more of your respective interesting content. Ensure that you update this again soon..

  14. Good day! I could have sworn I’ve been to
    this site before but after going through many of the posts I realized it’s new to me.

    Regardless, I’m definitely delighted I stumbled upon it and I’ll be book-marking it and checking back regularly!

  15. Are you sick and tired of being bored? You’ll never have a dull moment if you visit http://camgirl.pw It’s by far the most exciting site on the internet. There, you’ll be able to talk to all kinds of hot babes. Don’t be surprised if everyone at work asks why you’re so happy. You don’t need to tell them that you visit this site each and every day. It’ll be your little secret.

  16. I got my programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 30
    days via (wesleymarkhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice. He also give loans at 3%. get yours from Wesley Mark Hackers today! Just send an email
    to (wesleymarkhackers@gmail.com)
    or watsapp +16315383658

    GOD BLESS AMERICA

  17. Dear Sir/Madam,

    We give out loans to business people and individuals for just 3% interest rate.
    “BELIEVE IT OR NOT YOU CAN GET YOUR LOANS IN LESS THAN AN HOUR”. We can give out loans ranging from
    US$3,000 up to US$500,000.
    We give out local and international loans to any individual/
    company all over the world and your rate will not change during your loan repayment!
    Our Personal Loans can help make dreams possible especially with the present financial crunch in the world at
    large. We do not require much documents if you are interested in getting a loan.
    To apply contact us via the email address below Email:

    (tifhanymichelleloancompany@gmail.com) <<<<<<<<<<

    You could as well contact us via Text or calling@ ((209-732-4604))

    You could as well contact us via Whatsapp Careline @{{209-732-4604}}

    with the information below: Please, do provide us with the Following information if interested.

    LOAN APPLICATION INFORMATION FORM

    First name:
    Date of birth (yyyy-mm-dd):
    Gender:
    Marital status:
    Total Amount Needed:
    Time Duration: Address:
    City: Country:
    Phone: Mobile/cellular:
    Monthly Income:
    Occupation:
    purpose of loan:

    Mrs TIFHANY MICHELLE
    C.E.O…

  18. There are some of you out there who probably haven’t heard of http://www.camgirl.pw This is one of those must see sites. It’s full of extremely attractive ladies. You’re going to want to put down your sandwich when visiting this site. It’s impossible to focus on anything but the babes they have to offer.

  19. Sick and tired of being bored? There’s nothing at all good to watch on TV these days. How many cat videos can you watch at YouTube? What you really want is some live adult entertainment. That’s what http://www.camgirl.pw is all about. It’s 24/7 excitement like you’ve never seen before. Check it out and tell a friend. Something this good needs to be shared.

  20. I got my programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 30
    days via (wesleymarkhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. Wesley mark Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice. He also give loans at 3%. get yours from Wesley Mark Hackers today! Just send an email
    to (wesleymarkhackers@gmail.com)
    or watsapp +16315383658

    GOD BLESS AMERICA
    .

  21. I’ve been having issues with my Windows hosting. It has set me back quite a bit while making the next list. This is the current list that I have. I should add another list in less than a week. I’ll let you all know when the next list is ready. Thank you for your patience.

  22. I’ve been browsing online more than 3 hours nowadays, yet I never found any attention-grabbing article like yours.
    It is pretty price sufficient for me. In my opinion, if all
    web owners and bloggers made good content as you probably did, the
    internet will likely be much more useful than ever before.

  23. I love your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you?

    Plz answer back as I’m looking to design my own blog and would like to know where u got this from.
    appreciate it

  24. A person essentially lend a hand to make critically articles I would state.
    That is the first time I frequented your website page and to this point?
    I amazed with the analysis you made to make this particular publish extraordinary.
    Magnificent task!

  25. Hi there very nice website!! Guy .. Excellent .. Wonderful ..
    I will bookmark your site and take the feeds also? I am satisfied to
    seek out numerous useful information right here in the publish, we need develop extra strategies in this regard, thanks for sharing.

    . . . . .

  26. Hmm is anyone else encountering problems with the pictures on this blog loading?

    I’m trying to determine if its a problem on my end or if it’s the blog.

    Any feedback would be greatly appreciated.

  27. Magnificent beat ! I wish to apprentice while you amend your website, how could i subscribe for a blog
    website? The account aided me a acceptable deal. I had been tiny bit
    acquainted of this your broadcast offered bright clear idea

  28. You actually make it seem so easy with your presentation but I find this
    topic to be really something which I think I would never understand.
    It seems too complex and very broad for me. I am looking forward for your next post, I’ll try to get the hang of it!

  29. Hello there! Would you mind if I share your blog with my twitter group?
    There’s a lot of folks that I think would really enjoy your content.
    Please let me know. Many thanks

  30. Nice post. I learn something totally new and challenging on blogs I stumbleupon on a daily basis.
    It’s always helpful to read content from other authors
    and use a little something from other web sites.

  31. My coder is trying to persuade me to move to .net from PHP.
    I have always disliked the idea because of the expenses.
    But he’s tryiong none the less. I’ve been using Movable-type on a number of
    websites for about a year and am anxious about switching to another platform.
    I have heard very good things about blogengine.net.
    Is there a way I can import all my wordpress content into it?
    Any help would be really appreciated!

  32. Howdy! This is kind of off topic but I need some advice from an established blog.
    Is it very difficult to set up your own blog? I’m not very techincal but I can figure things
    out pretty quick. I’m thinking about setting up my own but I’m not sure where
    to start. Do you have any ideas or suggestions? With thanks

  33. Excellent goods from you, man. I’ve consider your stuff previous to and
    you’re just too fantastic. I really like what you have acquired here, certainly like what you are saying and the best way in which you
    are saying it. You make it enjoyable and you continue to care for to stay it smart.
    I cant wait to read much more from you. That is actually a tremendous
    website.

  34. Good day! This is my first visit to your blog! We are a collection of volunteers
    and starting a new project in a community
    in the same niche. Your blog provided us beneficial information to work
    on. You have done a wonderful job!

  35. Heya i am for the first time here. I found this board and I find It really useful & it helped me out a lot.

    I hope to give something back and help others like you aided me.

  36. Thank you for any other fantastic article. Where else may
    anyone get that kind of information in such a perfect approach of writing?
    I have a presentation next week, and I’m on the look for such
    information.

  37. Hi there! This post could not be written much better!

    Looking through this article reminds me of my previous roommate!
    He always kept preaching about this. I most certainly will forward this article to him.
    Fairly certain he will have a very good read.

    I appreciate you for sharing!

  38. I enjoy what you guys tend to be up too. This sort of clever work and exposure!
    Keep up the awesome works guys I’ve incorporated you guys to
    my blogroll.

  39. Greetings from Idaho! I’m bored at work so I decided to browse
    your blog on my iphone during lunch break. I love the info you present here and can’t wait to take a look when I get home.
    I’m shocked at how fast your blog loaded on my mobile ..

    I’m not even using WIFI, just 3G .. Anyhow, wonderful blog!

  40. I blog frequently and I really appreciate your information. The article has
    truly peaked my interest. I am going to bookmark your blog and keep checking
    for new information about once per week. I subscribed to your RSS feed as well.

  41. Thanks , I have recently been searching
    for information approximately this subject for ages and yours is the greatest I have found out so far.
    But, what concerning the bottom line? Are you certain in regards
    to the supply?

  42. Hi there outstanding blog! Does running a blog like
    this take a lot of work? I’ve virtually no expertise in coding
    but I was hoping to start my own blog soon. Anyway, if you have any ideas or techniques
    for new blog owners please share. I understand this is off subject but I just wanted to ask.

    Thanks!

  43. I truly wanted to write down a quick message in order to thank you for these superb recommendations you are showing on this website. My prolonged internet search has now been recognized with extremely good concept to share with my friends and classmates. I ‘d assume that we site visitors actually are rather blessed to live in a good website with very many awesome professionals with good opinions. I feel truly lucky to have seen your entire site and look forward to plenty of more pleasurable moments reading here. Thanks a lot once again for everything.

  44. A lot of thanks for all of your effort on this website. Ellie takes pleasure in conducting investigation and it’s obvious why. We all hear all about the powerful mode you render important information through the web blog and in addition increase response from other ones about this situation and our favorite princess is without a doubt understanding a whole lot. Have fun with the rest of the new year. You are always carrying out a glorious job.

  45. Thanks for every one of your effort on this web page. Betty delights in engaging in investigation and it is obvious why. A number of us notice all concerning the powerful method you convey functional tips and hints through the website and cause response from some others on this topic plus our favorite simple princess is undoubtedly discovering a lot. Have fun with the rest of the new year. You are doing a brilliant job.

Leave a Reply

Your email address will not be published. Required fields are marked *