The Best Pay Day Loan Services Credit: Monetary motivation image via Shutterstock

From time to time, even the most frugal among us can become strapped for cash. One way to make it through to the next paycheck is a short-term, or payday, loan. There are many companies that offer payday loans services online, and it is critical that you choose a service that is trustworthy and transparent.

TopTenREVIEWS, our sister site, provides comprehensive reviews of online payday loan services. Here are their top 3 recommendations

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1. 100 Day Loans

This online service ranked as the best bet for obtaining a fast and fair payday loan. This company offers a secure domain for your sensitive financial information, a simple application process, competitive rates, and the longest amount of time for repayment in the payday loan industry.

Ease of Use: This service is fast and easy to use. The online application for a loan requires a lot of information from the borrower, but the site simplifies the process into 3 easy steps. The entire application process can be completed within an hour. Once all your information is submitted, the site searches over 150 lenders nation-wide to provide you with the highest loan amount available at the lowest interest rate. Within 90 seconds, you will be provided with several options from lenders, allowing you to select the loan that works for you. The money can then be wired directly to your bank account within a day or two.

Security: This company provides a secure site for your sensitive personal and financial information. The site does not sell any of your information to third parties.

Cost: To compare costs, visit TopTenREVIEWS Payday Loans Comparisons and Reviews here.

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2. NetLoan USA

NetLoan USA garners positive reviews for its reliability, transparency in lending, and excellent customer service. This service excels at minimizing the amount of time it takes for a loan to become available to the borrower and at maximizing the amount of money a first-time customer can borrow.

Ease of Use: This service is extremely fast and very simple to use. The application process for a loan can be completed in under 10 minutes. Your application will be processed immediately, and you should know if you are approved within a few minutes. This service is among the fastest in allowing you access to the money from your loan. In some cases, your money could be available in you bank account within an hour of obtaining a loan. The amount of time you have to repay a loan with NetLoan USA varies from lender and lender and is typically between 14 to 120 days.

Security: NetLoan USA provides a secure site for your personal and financial information. All data going in and out of the site is encrypted, and the company is not known to sell customer information to third parties.

Cost: To compare costs, visit TopTenREVIEWS Payday Loans Comparisons and Reviews here.

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3.  FaxFreeCash

TopTenREVIEWS awards third place to FaxFreeCash for its quick application process, excellent customer service, and transparency in lending practices. Customers using FaxFreeCash can choose from a number of different lenders in order to find the loan that best suits their needs. This service also allows first time customers to borrow up to 50 percent more cash than most other payday loan companies

Ease of Use: FaxFreeCash is quick and easy to use. The application is a three- step process. Successful applicants will be able to choose from several options for loans from different lenders. Depending on the loan you choose, you will have anywhere from 14-120 days to repay what you have borrowed.

Security: FaxFreeCash provides a secure site for your personal and financial information. This site uses encryption technology and is not known to sell information to third parties.

Cost: To compare costs, visit TopTenREVIEWS Payday Loans Comparisons and Reviews here.