While payday loans can give you fast access to money when you need it, it is important that you deal with legitimate lenders. Payday loans are not legal in all American states and all lenders have to abide by state-specific rules and regulations.
Legitimate payday loans are provided by lenders that have all required licenses in place. State regulations, in most scenarios, govern features like maximum interest rates, fees and loan terms. Read our guide to make sure you are dealing with a legit lender, and that the loan you are applying for is the real deal.
Check into Cash Loans
Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.
- Min. Loan Amount: $50
- Loan Term: Varies upon State
- Turnaround Time: 1-2 business days
- Total Costs: Varies depending on the amount and your state of residency
- Must be 18+
- No security needed
- Confidential and secure!
What is a “legit” payday loan?
Payday loans are short-term loans that you typically have to repay by your next payday. A “legit” payday loan is one that is offered to you legally, meaning the lender abides by all regulations that apply in the state you reside in. This applies even if you are temporarily out of the state. Payday loans can be applied for online and in-store, but all fall under the same regulations.
Generally, payday lenders have more relaxed criteria than banks and other lenders. You will be able to apply for a payday loan if you have bad credit, are on a lower income or receive government benefits. This relaxed eligibility criteria does mean rates and fees are higher than other loans, but lenders still have to stick to the state mandated APR.
First Internet Bank of Indiana, sometimes called First Internet Bank or First IB, is one of the first state-chartered, Federal Deposit Insurance Corporation-insured institutions to operate solely via the Internet.
The bank was founded in 1997 by entrepreneur David B. Becker, incorporated on October 28, 1998, and opened to the public on February...
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