{"id":2476,"date":"2022-02-21T05:51:56","date_gmt":"2022-02-21T10:51:56","guid":{"rendered":"https:\/\/capitalbean.com\/?p=2476"},"modified":"2022-11-17T09:07:43","modified_gmt":"2022-11-17T14:07:43","slug":"how-can-i-find-a-safe-payday-loan","status":"publish","type":"post","link":"https:\/\/capitalbean.com\/guides\/how-can-i-find-a-safe-payday-loan\/","title":{"rendered":"How Can I Find  Safe Payday Loan?"},"content":{"rendered":"<p>There are a number of safe payday loan companies in the US &#8211; and to find these you should check the <a href=\"https:\/\/www.sec.gov\/node\/328226\">SEC Register<\/a> and the OLA website to see their regulatory status. Other things you can do include checking Google, forums, social media and reviews to see what experiences other consumers have had.<\/p>\n<p>&nbsp;<\/p>\n<h2><b>Key Points About Finding A Safe Payday Loan:<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There are around <a href=\"https:\/\/capitalbean.com\/guides\/how-many-payday-stores-are-there-in-the-us\/\">23,000 regulated lenders in the US<\/a>. When taking out a loan, it is essential for your safety that your lender is regulated.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check that your lender is regulated on the SEC registered or OLA website. You can also read about other borrowers\u2019 experiences on the Better Business Bureau website.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check that your potential lender\u2019s website is legitimate. Their web address should begin with \u2018<\/span><b>https\u2019 <\/b><span style=\"font-weight: 400;\">and their online reviews should be consistent and strong.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you think you\u2019ve been a victim of a scam, get in touch with your bank.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/ffug3E6gyOg\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<h2>How Do I Check If An Online Lender Is Trustworthy?<\/h2>\n<p>&nbsp;<\/p>\n<h3><b>Ensure They Are Regulated<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your lender is regulated, that means that they have been approved as trustworthy by an official regulator. This means you are in safe hands. You can check whether they are regulated through searching for them on the SEC register, or checking the OLA website.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Check Their Status With The Better Business Bureau\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Check the <a href=\"https:\/\/www.bbb.org\/\">Better Business Bureau<\/a> website to learn more about whether the lender is reliable. The business will be graded from between A+ and F, and the justifications behind their grade will be explained.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sometimes, there will be customer reviews, which show you the experience other borrowers have had with that particular lender.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You should also consult customer reviews on community websites like TrustPilot. If you cannot find the lender on any third party comparing and reviewing sites, that\u2019s not a great sign. You could check safety websites that flag online scam. For instance, www.urlvoid.com is there to let you know if a website is a scam or not.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Check Online<\/b><\/h3>\n<p>From feedback from Google, forums, social media and review sites like Trustpilot, angry consumers will be quick to voice their frustrations if they have been victims of scams or have had a bad experience with a lender. It is worth spending just a few minutes searching for the lender in question and seeing what feedback there might be, good or bad.<\/p>\n<p>&nbsp;<\/p>\n<h3><b>Assess Their Website &#8211; It\u2019s Easier Than You Think!<\/b><\/h3>\n<p><b>Check The Site Is <\/b><b><i>https:<\/i><\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Their website should begin with \u201chttps\u201d and not \u201chttp\u201d- the \u2018s\u2019 stands for secure.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">You should also see a padlock symbol on any pages that ask you to provide personal information.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The padlock means the address is protected from identity thieves.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<div id=\"attachment_2453\" style=\"width: 1034px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-2453\" class=\"wp-image-2453 size-large\" src=\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-1024x683.jpg\" alt=\"secure website\" width=\"1024\" height=\"683\" srcset=\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-1024x683.jpg 1024w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-300x200.jpg 300w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-768x512.jpg 768w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-1536x1024.jpg 1536w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-2048x1365.jpg 2048w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-900x600.jpg 900w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><p id=\"caption-attachment-2453\" class=\"wp-caption-text\">It is quick and simple to check whether a lender&#8217;s website is legitimate. Check their own website for red flags, and consult regulation services to check your lender is trusted.<\/p><\/div>\n<p>&nbsp;<\/p>\n<h2><b>Check Terms And Conditions<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Carefully read the terms and conditions attached to your loan before agreeing to anything. <a href=\"https:\/\/capitalbean.com\/payday-loans\/\">Legitimate payday lenders<\/a> should be transparent and very clearly display the terms of their loans before asking you to proceed. You will electronically sign a loan agreement before going ahead &#8211; and you should take a moment to look at the loan arrangement and payments before agreeing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your lender has not detailed any terms and conditions in the contract, steer clear. Legitimate lenders comply with laws that require them to lay out their terms and conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For a second opinion, you could approach a lawyer who deals with these contracts on a regular basis and whose advice you could rely on.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Check They Have An Address And Phone Number<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Most legitimate lenders will offer a physical address and contact information. If they have neither, or only one, it could be that they are illegitimate.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If they do have a phone number, give them a call. If your calls fail to go through, this could be a red flag and an indicator that they are using a dummy number. If this is the case, find a better lender!\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>What Should I Do If I Think I Have Been Scammed?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Your first step should be to contact your bank and freeze or cancel all your cards. This stops anyone from removing cash from your account.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You will also need to contact the police and report the illegal activity. The police will be able to advise you on your next steps, and will work to stop the scammer from swindling other victims.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may need to purchase a new ID, like passports or driving licenses; anything that was given to the scammers. You can often report these items as stolen, to protect you in the future.<\/span><\/p>\n<p>&nbsp;<\/p>\n<div id=\"attachment_1666\" style=\"width: 650px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-1666\" class=\"wp-image-1666 size-full\" src=\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/Bailiffs.jpg\" alt=\"scam\" width=\"640\" height=\"426\" srcset=\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/Bailiffs.jpg 640w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/Bailiffs-300x200.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><p id=\"caption-attachment-1666\" class=\"wp-caption-text\">If you think you have been scammed, you should immediately contact your bank, who will advise you on next steps.<\/p><\/div>\n<p>&nbsp;<\/p>\n<h2><b>Top Loan Scams To Avoid<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h2>\n<ul>\n<li aria-level=\"1\">\n<h4><b>Advance Fee Loan Scams<\/b><span style=\"font-weight: 400;\"> &#8211;<\/span><span style=\"font-weight: 400;\"> Scammers promise a loan but demand an upfront fee to pay for \u201cinsurance\u201d or to \u201cdemonstrate good faith,\u201d These scammers will either by asking you to mail them the card, or to read the card information to them over the phone.<\/span><\/h4>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\">\n<h4><b>Phishing Scams<\/b><span style=\"font-weight: 400;\"> &#8211; <\/span><span style=\"font-weight: 400;\">These scams are intended to discover your personal information, allowing the scammer to steal your identity, and perhaps access your bank accounts. The loan you were promised will never end up in your account, but rather, you become a victim. Beware!<\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are a number of safe payday loan companies in the US &#8211; and to find these you should check the SEC Register and the OLA website to see their&#8230;<\/p>\n","protected":false},"author":5,"featured_media":2477,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"_yoast_wpseo_title":null,"_yoast_wpseo_metadesc":"There are a number of ways to check if a payday loan is safe, such as checking the SEC or OLA website to see their regulatory status - Find more tips here >>","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Can I Find Safe Payday Loan? | Capital Bean<\/title>\n<meta name=\"description\" content=\"There are a number of ways to check if a payday loan is safe, such as checking the SEC or OLA website to see their regulatory status - Find more tips here &gt;&gt;\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/capitalbean.com\/guides\/how-can-i-find-a-safe-payday-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Can I Find Safe Payday Loan? | Capital Bean\" \/>\n<meta property=\"og:description\" content=\"There are a number of ways to check if a payday loan is safe, such as checking the SEC or OLA website to see their regulatory status - Find more tips here &gt;&gt;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/capitalbean.com\/guides\/how-can-i-find-a-safe-payday-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"Capital Bean\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Dime-Alley-108098891717247\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-21T10:51:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-17T14:07:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/scam.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"426\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@miles@tcmarketing.co.uk\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Richard Allan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/capitalbean.com\/#organization\",\"name\":\"Capital Bean\",\"url\":\"https:\/\/capitalbean.com\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/Dime-Alley-108098891717247\",\"https:\/\/www.linkedin.com\/in\/dime-alley\/\"],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/capitalbean.com\/#logo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/logo-pnk.png\",\"contentUrl\":\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/01\/logo-pnk.png\",\"width\":627,\"height\":312,\"caption\":\"Capital Bean\"},\"image\":{\"@id\":\"https:\/\/capitalbean.com\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/capitalbean.com\/#website\",\"url\":\"https:\/\/capitalbean.com\/\",\"name\":\"Capital Bean\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/capitalbean.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/capitalbean.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/capitalbean.com\/guides\/how-can-i-find-a-safe-payday-loan\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/scam.jpg\",\"contentUrl\":\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/scam.jpg\",\"width\":640,\"height\":426,\"caption\":\"If you suspect your lender is withdrawing money too often, excessively, or when you've already paid off your debt, contact your bank.\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/capitalbean.com\/guides\/how-can-i-find-a-safe-payday-loan\/#webpage\",\"url\":\"https:\/\/capitalbean.com\/guides\/how-can-i-find-a-safe-payday-loan\/\",\"name\":\"How Can I Find Safe Payday Loan? 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