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Find the Best Online Payday Loans Options at GreenPlaceLoans

In some circles, payday loans have a bad reputation. But the reality is that it may be the least bad option available to you.

If you can qualify for a better form of debt, more power to you. But if you need quick cash and have either no credit history or a poor credit score, this may be your best best.

payday loans

Payday Loans Versus Other Loan Products

If you already have a comfortable, established life, you can get access to things like a line of credit backed by the equity in your house. If you are considering a payday loan, you probably don’t have a life like that at all.

You probably have not yet accumulated much in the way of assets. You probably don’t have much income. You probably don’t have a solid, established credit history.

For someone considering a payday loan, more realistic loan options include pawn shops or title loans. Both of these involve valuable collateral. In other words, you agree to give them something of value that you currently own and they can keep it and sell it if you fail to pay them back.

Title loans put you at risk of losing your vehicle. This is probably the single most valuable thing you own.

For most Americans, their home is their single biggest expense and their car is their second biggest expense. If you are a renter instead of a homeowner, your car is probably your most valuable possession.

On top of that, your car is probably essential for getting to work so you can earn a living. In most parts of America, living without a car is not realistic for most people.

So ask yourself this: “If I lose my car, how will I get to work?”

If the answer is “I can’t,” do you really want to risk losing not only your largest asset but also your ability to earn a living at all? That can potentially be the beginning of your life coming unraveled.

Pawnshops are probably a lower-stakes game but not always. For some people, the single most expensive household item they have is their computer. In some cases, this is critical for going to school or earning an income.

The Risk of Reborrowing

Payday loans do charge high-interest rates. This is typically the thing that gets the most blame for why and how payday loans can become a trap that you have trouble escaping.

The issue is usually framed as “You get stuck because the high-interest rate bleeds you, making it impossible to get out from under it. So you borrow again, and this just digs the hole deeper.”

But that may not be the entire story. The real problem may be that it can be like a form of seduction.

The Seduction

When you go to a payday loan place in person, they know you are probably poor and probably in dire circumstances right this very minute. That’s the entire reason you are there.

That’s their customer base. In order to have a business at all, they need people like you to come to them.

So unlike your mom, your boyfriend or girlfriend, your snooty roommate or your awful coworker, the people at the payday loan place won’t make you feel judged. They won’t look down their noses at you.

They won’t make you feel terrible for being in a pickle and needing a bit of help. They won’t use any stigmatizing language.

They won’t make you feel like a moral failure for needing some quick cash. They won’t make you feel you are doing something wrong.

To be fair, you really aren’t! There’s nothing wrong with borrowing money to cover an emergency.

But a lot of people have overwhelmingly negative experiences. Maybe this has been true your entire life and no one has ever been this nice to you. Or maybe it’s just the last five or ten years that every single day seems to be an exercise in social torment.

If you have a lousy job that doesn’t pay enough and your boss treats you with zero respect and you just can’t win for losing, getting a payday loan may be the most pleasant experience you will have all month. Walking through the door may feel like sweet relief just because these folks will be polite, respectful and nice about the whole thing.

If so, that fact can help you forget that a loan is a business arrangement. You may find yourself feeling like the interest paid is worth it just to be treated nicely for a few minutes, in stark contrast to how you get treated every other minute of the entire month by everyone around you.

Online Payday Loans

Online payday loans can be the answer to this problem. No one will be coming at you and schmoozing at you. It’s just you, your computer screen and some online forms.

This can help you keep in mind that it is both a financial decision and a business contract. The payday loan people don’t love you and the interest you are paying isn’t a payment for folks to be nice to you for fifteen minutes.

The interest is the same whether they are nice or not. It’s a loan. You are paying the interest on the money borrowed. That’s it.

If you are young and inexperienced or simply know that you are kind of a sucker for people sweet talking you, keeping things business-like can be a great extra reason to choose to apply for a payday loan online. It helps cut out the sweet talk and schmoozing that may tempt some people to just keep reborrowing until their finances fall apart completely.

But there are a bunch of other great reasons to apply online for a payday loan:

  • It protects your privacy so the neighbors have no idea you are borrowing money.
  • It’s the ultimate in convenience.
  • It can let you compare different loan products.
  • It can be directly deposited to your account within 24 hours.


Going in person to get a payday loan can signal to people who know you that you are getting an emergency loan. There is probably no other reason to go to a payday loan place. You probably can’t pretend you were there for some other reason.

But if you apply online, you can apply from the privacy of your own home. You may be able to apply from your smartphone even.

So even if you have nosy roommates, you may be able to apply from the privacy of your bedroom, the bathroom or in your car. You may be able to find a way to fill it out without anyone knowing if that is something that matters to you.

The Convenience of Getting Payday Loan Online

It’s wonderful to be able to apply from just about anywhere, whether that’s from home or while on your break at work. But you can also apply any time of the day or night.

For people with busy schedules, this can be a real godsend. For people who work the night shift or otherwise have challenges to make it to a financial institution during regular business hours, this can be the only way to make it work at all.

Loan Comparison

This can be a huge benefit in its own right. You can not only compare different loan products, but you can also compare similar loan products from different lenders.

You may find there is a much wider variety of loan products than you would have ever guessed in the payday loan category. You may find that there is one that seems absolutely perfect for your needs.

The choice is generally a good thing. We often feel like we don’t have a choice when we need quick cash. Realizing that we still have some choices in the matter can make a huge difference in the experience, as well as in the long-term outcome.

Direct Deposit

Possibly one of the worst parts of taking out a payday loan in person is walking around with a lot of cash in what is probably a sketchy neighborhood. It can make you feel really nervous about leaving the payday loan place.

What if someone was watching you go in? What if they figured out you were there to take out a loan rather than pay one back? What if they intend to mug you?

Direct deposit skips all of that. It goes into your bank and you just keep using your debit card like you usually do.

No one has to know how much money is in your account. You never have to deal with having a scary amount of cash on you.

In fact, you can skip going to the sketchy part of town where the payday loan place is located. If you don’t normally go there, you may never have to go there again once you establish a relationship with an online payday loan processor.

Financial Responsibility

In most cases, it is a bad idea to borrow more than you really need. This goes double with payday loans because the interest rates are so high.

Make sure you know exactly how much you need to cover your short-term emergency. Don’t borrow any more than that.

If this has become a habit, you need to do some serious work to break the cycle. This may involve cutting expenses. It may involve increasing your income. It may involve both of those things.

Predatory lending is real. There are lenders that do not have your best interest at heart.

But blaming bad lenders after the fact is not the best way to get a good life. Ultimately, it is up to you to look out for your own best interests. Doing so before you sign is better than complaining after you signed.

So always read the entire loan document. Don’t give it short shrift. Make sure you know exactly what it says. Make sure you know what it means.

If you don’t understand something, then ask questions or look things up. If you have to put in a little time and effort to really understand it, consider that time well spent on getting yourself a financial education.

Obviously, some terms are better than others. The most obvious and straightforward issue is that lower interest rates are better for the borrower than higher interest rates.

But there is no one thing that makes a loan a good loan or a bad loan. There are multiple factors that determine which debts are good and which are bad.

The bottom line is that good debt helps improve your future while bad debt runs your future into the ground. Whether this loan goes good places for you or bad places depends in part on how you use the debt, why you borrowed it and what you are going to do in the future.

Get Started Now

If you need quick cash, you can get started right now, no matter where you happen to be or what you happen to be doing. Whether you are at home watching TV or on your break at work, you can start the next step to a better payday loan experience.

We can help you with the application process. You can fill out one set of forms and start seeing offers from multiple different lenders.

We are not a lender. We are a portal that helps bring together people in need of money and services that provide loans.

Our job is to make the loan process better for you. We try to make it a more positive, informed and streamlined experience.

You will need your photo ID and a means to upload it to the internet. You will also need some proof of income, such as a bank statement.

Then just click “GET STARTED” here and apply for a payday loan online!