Best payday loan companies are often found from the membership lists of the national payday lenders of the country in question, including in the United States.
As a member, these companies have committed themselves to operate
according to the best practice rules as laid out by the industry's
These best practice rules emphasize responsible lending and excellent customer service, in most countries providing customer's better rights than what is written into the law.
In the United States, the biggest nationally recognized payday lender's association is the Community Financial Services Association of America (CFSA).
The code under which the CFSA member operate is available for reading at the association's website, under the section for "CFSA Member Best Practices".
Their membership list, at the time of writing this (always check the latest up-to-date list) included the following corporate members:
Advance America Cash Advance Centers, Inc.
All American Check Cashing
Allied Cash Holdings LLC
Approved Cash Advance Centers (ACAC, Inc.)
Axcess Financial (Check 'n Go, Inc.)
Cash America International, Inc.
Cash Express, LLC
Check Into Cash, Inc.
Check on Hold/Hold-a-Check
Community Choice Financial DBA CheckSmart Financial
Consumer Lending Associates, LLC
Dargan Extensions, LLC DBA 1-2-3 CA$H
Direct Financial Solutions
Dollar Financial Group, Inc.
EMG Acquisition Group, LLC
Equity Management Group
Express Financial Services
EZ Cash of Delaware
EZ Corp. Inc.
EZ Loans, Inc.
Fast Cash of America
Go Cash, LLC
Harpeth Financial Services (Advance Financial)
HCLC of Nevada, LLC
Instant Cash Advance Corp.
MM Finance, LLC
Money and More
PH Financial Services, LLC
QC Holdings, Inc.
Speedy Cash, Inc. (Florida)
TCS Management, Inc.
Always Money/EFS Inc./Triton Management
Thrifty Loans, LLC
USA Cash Services
Xpress Cash Management
Similarly to the United States, Canada also has a central, national
association for the payday lending industry, the Canadian Payday Loan
Similarly to their U.S. counterpart, the CPLA members adhere to a code of best practices, and that document is available for reading from the association's official website (both in French as well as in English).
The CPLA "Code of Best Business Practices" was, in fact, developed in close consultation with the Canadian government officials and consumer advocates to ensure it setting a high ethical standard, consumer protection, and providing a platform for all consumers to be treated fairly and with respect.
The membership list for the CPLA includes the following full members (at the time of writing this):
The CPLA website also lists individual locations for many of the member companies, as well as the URL's for the member online payday lenders.
Cash advances should be used for short-term financial needs only, not as a long-term financial solution.
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