EasyLoanFast.com Review


Voted the #1 Internet Payday Lender in 2009 and 2011, Easyloanfast.com is dedicated to serve communities by offering financial services that are convenient and helpful to people all over the U.S.

They offer the best in products and services and promote convenient and straightforward loans to those in a financial bind.

Most credit companies fail to meet customer expectations which cause individuals to shy away from online lenders and traditional banks. This payday advance company offers no credit check loans that are handled in real-time and most loans can be accepted within a matter of seconds. This allows you to get the money you need and fast!

The qualifications for the advance are simple:

  • The borrower must be 18 years or older
  • Be a U.S Resident
  • Guaranteed income of $800.00/month

This company offers professional and friendly assistance that is available to you if you have any questions or concerns. The company states if you use them as your payday lender, you will quickly see the benefits offered.

Such as:

  • Loans approved same day! 100% guarantee
  • Cash in 60 minutes
  • Trusted BBB rated company
  • No faxing or paperwork needed
  • No job/employment verification required

Some additional benefits this company offers include:

  • NO credit checks- regardless of your credit history, you may qualify for a loan.
  • NO lines or waiting- you don’t have to waste time and money to get extra cash.
  • No personal conversations- Everything is done from the privacy of your home.
  • They offer loans to you for ANY reason- they never ask if the money is being used to make a purchase, pay bills, or due to a need for extra cash.
  • Totally free to apply- you never pay a dime to apply, it’s totally free!

Easy Loan Fast (I-Net Promotions) Company Information:

Based on factors by the Better Business Bureau, the company’s low rating was based on a few factors.


  1. Advertising issue(s) found by the Better Business Bureau
  2. The company failed to respond 1 complaint filed against the business


BBB Rating: F

Total BBB Complaints: 2

Dated Opened: 2/26/2009

Principal: Mr. James Gary Fritts

Business Address: Not on file with BBB

Business Phone: Phone: (281) 957-5420

Business Email: [email protected]

Business Website: www.easyloanfast.com

Loan Maximum: $1000.00

These no-hassle solutions offer you a reliable payday advance that will hold you over until your next pay-day! This company offers support, understanding and will help you get through all of your fiscal troubles.


Credloans.com Review

CredLoans.com provides short term loans for anyone needing in a financial bind. The website will match you up with licensed lenders that will assist in all your financial needs.

This website is not an actual lender; it is a group of lenders that provide a free service to potential customers. The outcome with each payday advance will vary depending on lender. Each lender has their own set of terms for the loans which includes:

  • Loan APR (Annual Percentage Rate)
  • Payment schedules
  • The amount of the loan/advance

The lenders at Credloans are professional and know things need to be handled in a timely manner. They guarantee their process is quick and simple.

The qualifications for the advance are simple:

  • The borrower must be 18 years or older
  • Be a U.S Resident
  • Have a current job or steady income
  • The borrower must have a valid checking account
  • Have a valid phone number where you can be reached

Some lenders may require verification of your driver’s license or state ID and other lenders may check your credit report. But don’t fret; there are loans available for individuals with bad, little, or no credit.

The company states that once you apply for the loan, you will quickly see the many benefits offered by their lenders.

Benefits such as:

  • Everything is done 100% online
  • Approvals in 1 hour, cash in 1 day
  • Quick and simple loan process
  • No faxing or paperwork needed

Credloans Company Information:

This company is not currently registered with the Better Business Bureau; however, after searching online for reviews, they appear to have great feedback from previous customers.

Principal: Mary Turner

Business Address: 7327 Southwest Barnes Road Portland, OR 97225

Business Phone: 503-552-3998

Business Email: [email protected]

Business Website: www.credloans.com

Loan Maximum: $1000.00

Their hours are different from most online payday lenders. Applications are accepted anytime and then turned over to a potential lender. The loan may require additional verification which may vary depending on the lender. Please note- The lender can only deposit the funds when your bank is open.

This website has no control over the final decision made by the lenders and solely offers a service that carefully matches an individual up with a payday lender that offers quick and easy solutions.

The lenders at Credloans.com are professional and know things need to be handled in a timely manner. This company guarantees their process is trouble-free and very simple.

Websites Offer Virtual Coupons for Payday Loans

These days there are an insane amount of ways to get discounts on virtually everything.  Manufacturer’s coupons are still huge, social couponing sites offer deep discounts on everything from services to beach vacations, and there are multiple sites that offer online discount codes for thousands of goods and services sold online every day.  One discount promotion code site has taken it a step further and now offers discount codes for online payday loans.


Bluepromocode is a new but rapidly growing site offering a database of deals, promo codes and discounts for multiple products and services.  The newest category of codes includes promo codes for payday lending sites.  Codes for these sites offer cash back offers and various discounts from multiple online lenders that offer the standard small dollar amount, short-term payday loan to those needing fast cash.

The rapidly growing demand for payday loans in the United States convinced Bluepromocode that there was definitely a market for this.  Not just any payday loan site gets in though.  They realize that advertising payday lenders could get sticky with all of the potential for shady lending practices.  It stands to reason that the combination of exploding growth and potential for unscrupulous actions would make it difficult to find reliable payday lending sources online.  Bluepromocode thoroughly checks each and every one they offer codes for, allowing their customers the security of knowing they are saving money and choosing a great service provider.

Each lender is carefully checked and verified before they are even added to this list.  The process includes ensuring the company has a good record and plenty of good customer reviews.  There are promo codes for several well-known payday lending companies, and some that are a little less traditional.  For example, one lender listed lends up to $3,000, which is more than the standard for the industry.  Codes for various lending companies include up to 50%  off of application fees, $200 to $500 off of first loans, and other similar discounts.

The loan process does not change.  Bluepromocode has no say in approval or amount.  They simply list what they consider to be reliable sources of payday lending services, and provide promotional codes to help borrowers get as much as they can for as little as possible.  Online promotional codes for payday lending are a revolutionary idea, and it is how one company is capitalizing on the relatively new trend of online payday lending.  They help consumers find reliable services and actually save money on borrowing funds at the same time.

Senators Aim Their Guns at Online Payday Lending

Three U.S. Senators recently introduced a bill that is designed to eliminate some of the most sinister practices of the online payday loan industry, while at the same time protecting those lenders that obey the law, and consumers. Garnering support from the National Consumer Law Center, the Center for Responsible Lending, and Consumer Federation of America, it is one of the first of its kind as the previously unchartered territory of online payday lending continues to grow.


The “Stopping Abuse and Fraud In Electronic (SAFE) Lending Act”  focusses on four main concepts to ensure that those lenders do not have such an easy time preying on desperate Americans who find themselves in the market for a payday loan on the Internet.


  • First, consumers will maintain control of their own bank accounts.   Currently, lenders can strip a bank account with the consumer being virtually defenseless.  This bill will put legislation into play that will allow customers to cancel debits related to small dollar amounts.  In addition, lenders will no longer be able to access accounts via remotely created checks.


  • This bill also creates a level playing field between small dollar loans and larger loans when it comes to usury laws.  Currently, there are plenty of loop holes that allow online payday lenders to escape usury standards and charge exorbitant interest rates.  This new legislation will dictate that all lenders, even banks, have to adhere to usury laws for small dollar loans as well.


  • There are many websites out there that claim to be payday lenders, when in actuality they are anonymously registered paid lead generators.  They take loan applications and auction them off to lenders.  The “SAFE Lending Act” bans paid lead generators and anonymously registered payday lending sites.


  • Lastly, the bill will crack down on those lenders using the Internet as a means to avoid legal action related to illegal payday lending.  Regulations are sketchy here, but off shore lending especially poses a threat when it comes to online lending.  The senators aim to put an end to that with the “SAFE Lending Act.”   The bill is structured so as not cause any negative impact on the Internet with these provisions.


Whether or not it will be passed remains to be seen, and then the effectiveness of the law can be judged.  It certainly seems to be a good start, however, to keep those law abiding lenders and unsuspecting borrowers safe.  It offers at least more protection than there is currently from those that would use the Internet to take advantage of others in desperate situations.

EZ Money Check Cashing Review

EZ Money is devoted to serving communities by offering convenient financial services. They strive to offer exceptional customer service by providing the best services and products on the market today and listening to customer feedback. By doing this, it enables them to surpass customer expectations and build stronger relationships with customers.

EZ Money offers payday loans in six states and offers this service to help an individual get by until their next payday. The company will be offering online lending services soon and may vary depending on your state of residence.

At the present time, the company has 44 offices with over 150 employees that are dedicated to work hard and will happily assist customers in all their financial needs.

The application process is quick and easy. In order to apply, you will need:

  • A valid driver’s license or government-issued photo id
  • Payroll stub or government benefits statement
  • A blank check from a valid checking account

Their short-term lending is not intended to be treated as a long-term loan. The APR (annual percentage rate) will vary by state. The company claims to adhere to all state regulations set for lenders. These rules are set for all lending companies, but not many follow the policy. According to EZ Money, it’s important to find a lender that follows the financial laws and state regulations where you live.

The Community Financial Services Association of America (CFSA) was established to help consumers with payday advance lenders. They make sure the rules and guidelines are being followed and offer assistance to consumers who utilize their services.

EZ Money Check Cashing Company Information

Based on ratings from the Better Business Bureau, this company offers great customer service while building rapport with their customers. This company has had only one complaint reported in the last 3 years and proves the company is committed to customer satisfaction.

BBB Rating: A+

Total BBB Complaints: 1

Dated Opened: 10/26/1993

Principal: Mr. Greg Wittmeier

Business Address: PO Box 1078, Bellevue, NE 68005-1078

Business Phone: (402) 291-1175

Business Email: [email protected]

Business Website: www.getezmoney.com

Loan Maximum: $500.00


EZ Money is a dedicated company that will assist you during your financial matters. The company actively participates in charities, fund raisers, and donates to organizations every year. They are strongly affiliated with The Salvation Army, Muscular Dystrophy Association (MDA) and various disaster relief organizations.

If you’re looking for a payday lender, EZ Money has proven to be one of the best.

CashNet USA Review

CashNet USA is available in over 30 states and continues to grow. The company launched in 2004 and was acquired by Cash America International in 2006, which helped pave the way regarding short-term loans. This leads them to become one of the industry leaders offering secure online financial services.

The company offers different financial services to best fit their customer’s needs.

A payday loan is a short-term loan that is typically repaid on the next payday. Loans can be extended and repaid at a later date and are based on the company guidelines. The lender can check if your state qualifies for loan extensions.

The loan application requirements are simple.

  • Must be over 18 years old
  • Must have a valid checking account
  • Must be a U.S. Citizen or a permanent resident
  • Have held a job past 30 days

Once you complete the online application, you get a response in a matter of seconds regarding an approval. They will approve an applicant regardless of credit history. CashNet offers cash by the next business day and at no extra cost to you.

They’ve served over 1 million customers and state that their customer service is what makes them the online leader.  They provide fast and convenient ways to help bridge the gap between paydays. This is a company you can trust to be your online payday lender.

The company offers: quick and easy application process, instant approval, 24/7 customer service, late application acceptance terms, and an amazing referral program. You can earn $20.00 for every referral with their refer-a-friend program.

CashNet USA Company Information

According to the BBB, this company has an A rating, but the company has had a large number of customer complaints in the last 3 years. The testimonials from their website are positive, but the feedback from the BBB website state otherwise.

BBB Rating: A

Total BBB Complaints: 287 within the last 3 years

Dated Opened: 11/13/2006

Principal: Mr. Keith Weinberger

Business Address: 200 W. Jackson Blvd Suite 1400, Chicago, IL 60606

Business Phone: (888) 801-9078

Business Email: [email protected]

Business Website: www.cashnetusa.com/bbb

Loan Maximum: $700.00


CashNet USA offers easy way to get you money when you most need it. This can help with unforeseen costs and cover emergencies like medical bills and car repairs. They offer 24/7 customer service and are accredited by the Better Business Bureau.

If you’re in a financial bind, let CashNet assist you with all your financial needs.

QC Financial Service Review

QC Holdings is the company based out of Overland Park, Kansas and operates over 5000 branches across the United States. The company started in 1984 a rent-to-own store. In 1989 the company began offering check-cashing services and by 1992 offered short-term loans to their customers. In 1994 the company decided to sell their rent-to-own stores so they could focus on financial products and services.

The company offers convenient financial assistance to help meet the need of their customers. Their services vary from: check cashing, money orders, money transfers, and short-term loans. (Aka payday loans)

The application process is short and simple. In order to get approved, an individual would need to provide valid identification, a state issued id or driver’s license. A blank check is needed to verify a valid checking account. They may ask for any additional information that is required by state laws. Once the application is done, the approval process only takes a matter of minutes. They will verify the information that was provided and approve or reject the application. Once approved, the borrower can leave with cash in hand after they have provided QC with a check for the amount owed plus any additional fees.

QC Financial Service Company Information

Based on ratings from the Better Business Bureau, this company has great customer rapport and excels in customer satisfaction. This company has had ZERO complaints reported in the last 3 years and proves the company is committed to make a good-faith effort to resolve any customer issues or complaints.

BBB Rating: A+

Total BBB Complaints: Zero

Dated Opened: 10/03/2006

Principal: Mr. Shane Underwood

Business Address: 5364 S 72nd St, Omaha, NE 68127-2876

Business Phone: (402) 331-6216

Business Email: [email protected]

Business Website: www.qcholdings.com

Loan Maximum: $500.00


Overall, this company offers financial assistance to their customers and thrives on customer satisfaction. The fees with their loans are $15.00 per $100.00 borrowed. Based on other payday lenders, this company has lower fees than their competitors.

The loan is typically paid back within a few weeks and offers help in-between paydays. If a loan can’t be paid on time, the company may allow a customer to defer their loan. These factors appear to have no issues regarding the customer’s experience.

In the last 3 years, QC had no customer complaints, and this only proves the payday lender cares about their customers and can help with all their financial needs. 

Tremont Lending Review

Tremont Lending is owned by Tremont Financial, LLC, a Native American, the Big Valley Band of Pomo Indians, owned business. They offer no credit check payday loans for individuals who meet the minimum requirement. Those requirements include three months of work history, active checking account with direct deposit, $1,200 verifiable monthly income, have a work and home phone, have less than seventy-five percent of monthly income in outstanding loans, access to a fax machine, and several others. Once customers have had their information verified and he or she has agreed to the terms of the loan, the lender will deposit the borrowed funds into the customer’s bank account.

Tremont Lending does not have many complaints about their business practices. In addition, they have posted several positive customer comments on their sight, such as the company being there for several clients during his or her financial troubles. Also, there are no rip off reports or forum complaints about this no credit check payday loan company.


Tremont Lending Company Information

The Better Business Bureau has given Tremont Financial, LLC / Tremont Lending a high score and there is only a small amount of complaints against this lender.


BBB Rating: A+

Total BBB Complaints: Seven

Dated Opened: 11/01/2004

Principal: James Jacobson

Business Address: 101 N Main Ave # 230, Sioux Falls, SD 57104-6452

Business Phone: (605) 444-8012

Business Email: [email protected]

Business Website: https://www.tremontlending.com/Default.aspx

Loan Maximum: $750.00


The seven complaints about Tremont Lending and their, no credit check loans have been closed. The most recent complaint was for problems with products or services offered by the company and was dated on January 2, 2012. However, the issue has been resolved.

Overall, this payday lender seems to be legitimate and well-liked by the majority of their customers. The cost of their no credit check payday loan for their customers is $30 dollars for each $100 dollars that is borrowed. These loans are short term for repayment.

In addition, Tremont Lending charges fees and twenty percent of the loan amount for each extension the customer requested. The total number of extensions or deferrals is four per customer per loan.  Also, if the customer does not give a minimum of two days’ notice, the deferral will be denied. However, these terms have no bearing on the customer satisfaction of this payday lender. Tremont Lending appears to be an acceptable lender for financial emergencies, such as unexpected bills or medical issues.

Startling New Report – Points to Americans Using Payday Loans Just to Live

What is meant to be the ultimate last resort, no credit check payday loans, has turned into a way to survive for many Americans. Actually, this is not contained to the U.S., as all across the globe there are struggling families using these three or four digit Annual Percentage Rate (APR) loans for daily living.

People are faced with taking out several of these loans annually or live without food, water, electricity, gas, vehicle payments, insurance payments, and other living necessities. This report also shows that individuals with a yearly income of $100,000 dollars and over are also taking out no credit check payday loans.

Out of all the loans acquired throughout the year, at least seven of every ten are no credit check payday loans. This figure is staggering for consumer advocacy groups. This is because they know the devastating effects these loans have on the people who get them. Many times the individual will take about eight payday loans a year. Each loan carries high charges and APR leading him or her to pay out more than $500 dollars in interest and fees each year.

Industry watchers and financial analysts believe this spike in no credit check payday loans is due to the housing costs, energy costs, unemployment, and other economic pressures, which are all on the rise again. When people cannot pay their bills and feed their families, they turn to these payday loans due to the relative ease of obtaining them.

However, once they enter into the no credit check payday loan realm, most are stuck there for a long time until he or she can finally manage to pay off the loan or default. Then, once they have defaulted, he or she will be harassed by creditors and have it reported on their credit. Unless they took out a loan where the lender auto-deposits a personal check or debits their banking account. This usually leads to a ton of issues, including NSF fees, bad check arrest warrants in some states, and more negative reports on his or her credit.

No credit check payday loans will continue to be on the rise as long as stronger laws and regulations don’t exist to protect the borrowers. These predatory lenders package the loans as a means of taking care of emergencies, but hand them out left and right even if the customer cannot afford to pay it back.

Danger! – Your Credit Score is at Risk

Danger! – Your Credit Score is at Risk

Q: I took out a payday loan last month and I am struggling to make my payments. It looks like I may default on the loan if I cannot make the next payment at the end of the week. I was told that it would go on my credit score as a negative mark. This just does not seem fair. I did not have to have good credit to get the loan and they did not care to check my credit. If I take out a no credit check payday loan and I default in the loan, why will it go against my credit?

Defaulting in Dallas

Dallas, Texas Continue reading Danger! – Your Credit Score is at Risk