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GetPaydayLoansOnline.net Review: A Matching Service Which Cannot Provide Data Safety

What is Get Payday Loans Online?

GetPaydayLoansOnline logo

GetPaydayLoansOnline.net is a lender referral service dedicated to providing people from the United Kingdom and the United States with the best and secure payday loan service so they can quickly cope with their short-term financial emergencies. They say this can help people manage their bills and get rid of financial stress. The company promises relaxed eligibility criteria, quick funding, and easy automatic repayment. They claim to have helped thousands of people to find the best payday loan lenders, save time and efforts. According to the website, the money can be obtained discretely at any time.

Loan typesMin.amountMax.amountPeriodFeesDocumentsBad credit
Payday loans$100$1,5007-31 days$17 per $100 borrowedSSN, Driver’s license or state-issued IDYes

Types of Loans

The company cooperates with a vast network of lenders who are able to offer payday loans online.

payday loans

A payday loan is an unsecured, short-term loan that is designed to help you keep on until your next payday. Consumers typically apply for payday loans to cover small, unexpected expenses without paying costly fees and penalties. Using this website, you can also apply for a payday loan online to pay off bills, celebrating an important occasion, or covering an unexpected car repair. The funds can be used at your discretion.


Once approved, you can expect the money deposited into your bank account. Depending on the hour your application was submitted, the funds will either be available the same day or the following business day.

Terms of Use

Using this website, you may borrow between $100 and $1,500. First-time customers are not able to get the maximum amount of $1,500 but after a successful repayment of the loan, they may be eligible for a high amount.

The company claims that fees vary by state but in any case they are competitive. They also mention that none of the users’ personal information will get into the hands of any third party without a prior agreement or unless required by law.

Submitting an application at GetPaydayLoansOnline.net does not obligate you to accept a loan offer – if you wish to get a loan, you should simply fill out an application form, wait for an approval and see all available lending options. You may accept or reject the offer. If you are satisfied with the rates and terms, you will be asked to e-sign the agreement.

Depending on the lender, fees can range from $25 to $30 per each $100 borrowed. For example, if you take out a $300 loan, you will need to return between $375 and $390 in total.

The referral company never charges clients a fee to qualify for a loan.

no hidden feesTo get a payday loan, you will typically need to meet the following requirements:

  1. Be employed (or receive regular income);
  2. Earn $1000 per month or more;
  3. Be at least 18 years of age;
  4. Be a U.S. citizen;
  5. Have a checking account in your name;
  6. Not be active in the military.

GetPaydayLoansOnline.net warns clients that some lenders may add a few requirements to this list. They also mention that it does not matter whether you rent or own your home.


You can apply for a loan online, without spending time and efforts on running around various locations in your city. The application will not take more than 5 minutes.

During application, you will need to provide your full name, address, employment details, banking information, and picture ID in order to be approved. If you want to be approved, you must provide accurate information.

The whole process is online, there is no need to fax any documents.


Each state has its own policies and rules regarding loan repayment. Typically, repayment of a payday loan should be made on your next payday (7-31 days). On the due date, the funds (original amount borrowed + fees) will be automatically deducted from your checking account via ACH.

If you want to pay off your loan earlier, you should contact the lender before the due date. In this case, you may be eligible for a partial fee refund.


If you have difficulty repaying your loan on the scheduled date, you may be eligible for an extension. The lender may offer the following payment options:

  1. Pay off the full sum on the due date specified in your loan agreement;
  2. Pay the interest and a portion of the original loan on or before the due date;
  3. Pay off the interest on the due date.

The company informs clients that they cannot have more than one payday loan at a time – all other payday loans must be paid off before another may be requested.

They encourage all of their clients to be responsible and remember that a payday loan is not a long-term solution and should not be used to deal with long-term financial problems.

GetPaydayLoansOnline.net Bad Credit

Lenders from the network usually do not perform credit checks, so poor credit will not prevent consumers from being approved for a loan.

bad credit ok

According to the website, the managers will work with you, even if you have been rejected by other lending companies.

Technical Characteristics of the Website

Secure Сonnection

The website’s owner claims to respect the customer’s privacy. It’ mentioned that GetPaydayLoansOnline.net uses a variety of security measures to keep the applicant’s personal information safe. They say all sensitive data transmitted between the user’ browser and this website utilizes a 128-bit Secure Socket Layer encryption technology. I was disappointed when my browser displayed the message that the connection is not private.


The company must not deceive its clients but should make every effort to maintain the consumers’ sensitive data safe. All trusted and well-known website use SSL encryption technologies and Extended Verification Certificates.

Mobile Version

According to Google Mobile-Friendly Test, GetPaydayLoansOnline.net does not have a mobile version. The mobile website has the same design but the images and content are too tiny to read; the menu and navigation are not adjusted to the needs of mobile clients.

mobile version

So, if you prefer to use your tablet or smartphone for various needs, you will probably have problems with this website.


Nowadays, there are many threats on the web – viruses, worms, trojans and identity thefts. All they can cause sad consequences for Internet users. Therefore, you can infect your device by simply visiting a site. Websites of trusted and well-known companies usually utilize advanced antivirus programs. Regretfully, GetPaydayLoansOnline.net does not have any antivirus installed on its website so you are not protected from online attacks. I think it’s a serious shortcoming.

Convenience of Use

The website has a simple application which is purely online, so you can apply for a payday loan from your home or work without the need to wait in a queue or fax any documents. You only need to provide accurate information in the required fields to ensure your application is processed as quickly as possible.

I like that you can start applying for a loan immediately, without the need to register on the website. First of all, you are offered to select the requested amount, enter your name and email address, and click on the “Apply” button:


Then you will find yourself on a one-page application form which contains average block: personal info, employment info, and bank information.

application form

Based on the data you provided in your application, the referral service will try to connect you with a suitable lender. If approved, you will receive a loan offer. In most cases, the lenders from the network do not require to fax documents, which is very convenient and saves time. However, in rare cases, the lender may ask you to fax some information in order to verify your identity.

Once you’ve been approved and connected to a lender, you can closely review rates and terms of your loan. If you are satisfied with the offer made to you, you will need to provide an e-signature on the agreement. Remember that you can discontinue the process at any time prior to signing the documents.

Upon approval, your money will be deposited into your checking account by the lender.

I appreciate that this website has an easy and quick application but the thing is that GetPaydayLoansOnline is not a lender and cannot quote the exact loan fees and rates. These details can be seen only when connected to a direct third-party lender.

Is GetPaydayLoansOnline.net Legit?

ScamAdviser reported that Get Payday Loans Online website is safe to use and has a trust-rating – 93% out of 100%.

scam adviser

According to the report, the site has been operating for over 8 years but is rarely visited. The site seems to be located in the United States but its owner country is hidden. The thing is that this website is using an anonymous service which prevents ScamAdviser from identifying its owner. For this reason, the verification online service recommends that you confirm the business address with the website owners before applying. In spite of this, the company seems to be reliable and there is no evidence that this is a scam.

GetPaydayLoansOnline.net Reviews

On-site Reviews

Customer reviews are very important for users who are planning to use the services of an online company. Positive feedback testifies that the organization has a good reputation and is able to satisfy the clients’ needs, while complaints mean that a site has some problems with performance or legitimacy. Finally, the absence of any comments make it difficult to assess a company’s reputation. I found about 20 GetPaydayLoansOnline.net reviews on their native website but they are selected by the site’s owner and are not dated. In fact, they look more like an advertisement. Of course, all of them are from happy clients: T. Billik said that this company helped him fin quick solutions to unexpected surprises. M. Notides mentioned that the matching service helped him enormously and he would take another loan from them. J. Yarbrough said he always applies for a payday loan through this website since it’s the best solution. B. Bissell is satisfied with the service because it’s easy, simple fast and friendly. R. Gload reported this company is the most user-friendly, cheapest and convenient. A. Riaz said it was his second loan with this referral website and according to him, they are real professionals.


Since I doubt the origin of these testimonials, I cannot use them to assess the reliability and legitimacy of this matching company.

Reviews on Third-Party Websites

Unfortunately, I did not find any GetPaydayLoansOnline.net reviews on the Internet, which either means that this referral website is not very popular or users prefer to review direct lenders they are redirected to. Since I detected no external comments, I cannot assess the reputation of this company. If you ever meet any responses from previous clients on the net, please let us know by leaving a comment below this review.

Customer Support

Contact Information

Unfortunately, there is no contact information on the website. I neither found their address nor a phone number. Email address is also hidden. Although this is purely a matching service, it’s important to know these details about the company because applicants submit very sensitive personal and financial information to this site.

GetPaydayLoansOnline.net Locations

The referral service can be used by residents of the United States and the United Kingdom.

  • United States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming;
  • England: Bedfordshire, Berkshire, Buckinghamshire, Cambridgeshire, Cheshire, Cornwall, Derbyshire, Devon, Dorset, Durham, Essex, Gloucestershire, Hampshire, Herefordshire, Hertfordshire, Kent, Lancashire, Leicestershire, Lincolnshire, London, Manchester, Merseyside, Norfolk, Northamptonshire, Northumberland, Nottinghamshire, Oxfordshire, Rutland, Shropshire, Somerset, Staffordshire, Suffolk, Surrey, East Sussex, Warwickshire, West Midlands, Wiltshire, Worcestershire, West Yorkshire, Isle of Wight, Cumbria, Rhondda, North Yorkshire, East Riding of Yorkshire, South Yorkshire, Tyne and Wear, West Sussex, Bristol, Isle of Man;
  • Scotland: Aberdeenshire, Angus, Argyll and Bute, Ayrshire, Clackmannanshire, Dumfries and Galloway, Dunbartonshire, East Lothian, Fife, Lanarkshire, Midlothian, Nairnshire, Orkney, Perth and Kinross, Renfrewshire, Shetland Isles, Stirling, West Lothian, Scottish Borders, Highland, Western Isles, Moray, Edinburgh, Glasgow, Dundee;
  • Wales/Cymru: Cardiganshire/Ceredigion, Carmarthenshire/Sir Gaerfyrddin, Denbighshire/Sir Ddinbych, Flintshire/Sir Fflint, Glamorgan/Morgannwg, Monmouthshire/Sir Fynwy, Pembrokeshire/Sir Benfro, Anglesey/Sir Fon, Neath Port Talbot, Caerphilly/Caerffili, Swansea, Powys/Powys, Gwynedd/Gwynedd, Merthyr Tydfil/Merthyr Tydfil, Conwy/Conwy, Cardiff/Caerdydd, Blaenau Gwent/Blaenau Gwent, Newport, Rhondda Cynon, Taff, Torfaen, Wrexham;
  • Northern Ireland: County Antrim, County Armagh, County Down, County Fermanagh, County Londonderry, County Tyrone

Getting a Consultation

If you have any questions about your existing loan (rates, fees, extension, renewal, late payment), you should contact your lender directly because GetPaydayLoansOnline is only a referral service and does not have knowledge of your rates and terms. But if you have a general question about payday loans or services provided by the matching company, you have only one option: fill out a contact form available on the “Contact Us” page. According to the website, the customer service team is responding to all requests within 24 hours and is available around the clock.

contact form

I wanted to find out whether I could hope for a loan approval if I am currently bankrupt. I sent a message via a contact form but did not receive any response within 24 hours. It seems that their customer service is poor-quality and needs optimization.


GetPaydayLoansOnline.net is a website providing matching service to residents of the UK and the USA. The site seems to be operating within the law but its owner is hidden. I appreciate that this site helps users avoid standing in a queue and filling out numerous applications, but it’s not always possible to get the borrowed funds within 24 hours. Their online application takes only a few minutes to complete and their eligibility criteria are easy to meet. Besides, they do not perform credit checks, so you will not have to worry about your credit score. ScamAdviser is satisfied with the website and gives them a high-trust rating. Although the company has many advantages, I cannot recommend this matching tool to other users because their website cannot provide a secure connection and has no reviews. I also failed when trying to contact their customer support team which means the company has too much to work on. I would advise you to explore other lending options.

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About the Author

Nancy Torrez
Nancy Torrez

Nancy Torrez is a copywriter of many financial posts relating to issuance of payday loans. She specializes in details about online loans. Nancy believes this product will help many Americans solve any financial problems. Nancy has graduated from Business School and has been previously engaged in banking business. She was disappointed by the aspect 8 out of 10 people cannot issue bank loans.

Nancy Torrez is 35, she is married, and has 2 daughters. In every case of human life there are occasions when you urgently need money. If you have no time to analyze the market, you are welcome to read the information presented on the website.