Our Methodology
How we find the lenders on each city page, what we filter out, where ratings come from, and what we do not check.
Why This Page Matters
Choosing the right payday loan lender can make the difference between getting help and falling into a debt trap. This page explains how our listings are built, so you can decide how far to rely on them.
Public Sources
Listings come from public business search results, not from opinions or advertisements.
No Paid Placement
No pay-for-placement. Lenders are ordered by the rules on this page.
Clear About Limits
We do not verify licensing, rates or terms. Confirm them with the lender and your state regulator.
How We Choose Lenders
These are the rules behind every city page, from where a listing comes from to how its rating gets there.
Where Lenders Come From
We search public business listings around each city. For small towns with few lenders nearby, the search widens until it finds some.
Who We List
Storefront consumer lenders. Payday lending is not legal in every state, so we also list other kinds of consumer lender.
Who We Filter Out
Listings that are not local consumer lenders, or that look like online lead forms rather than real stores.
How Lenders Are Ordered
We start from the search order, then adjust for how clearly a listing is a consumer lender and how far it is from the city. Ratings do not affect the order.
Where Ratings Come From
We do not calculate our own ratings. When a listing matches a store we hold a public rating for, we show that rating and its review count. Many lenders have none, and then we show nothing.
How a City Page Is Built
City pages are built by an automated process, in these six steps. We have not tested these lenders ourselves.
Search
We search public business listings around the city.
Filter
Automated rules remove other kinds of business, online lead forms, and listings outside the area.
Order
The remaining lenders are ordered by search relevance, lending evidence and distance, and up to three are listed.
Describe
An AI model drafts each short description using only facts from the listing. Claims about amounts, rates, speed or approval are removed.
Add Ratings
A public rating is added where one matches the same store.
Refresh and Correct
We refresh pages periodically, and we fix mistakes when they are reported.
Our Commitment to Transparency
What We Do
- Publish how our listings are built
- Use public business listings
- Show ratings only where one exists
- Provide free access to all listings
- Correct mistakes when they are reported
What We Don't Do
- Accept payment for higher rankings
- Verify lender licensing or compliance
- Test rates, terms or approval odds
- Verify individual customer reviews
- Provide financial advice
Ready to Find a Lender Near You?
Search the directory by state and city. Before you borrow, confirm the lender is licensed with your state regulator and compare the full cost of the loan.