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When payday loans were first introduced, there were concerns because they were considered illegal and unregulated but this has changed over the years and they are now government regulated. This means that the lenders have to follow specific regulations for them to continue operating. When you apply for a loan, you can rest assured that the lender will not try to rip you off. Most of the states have put in place legislation designed to protect borrowers from very high charges and interest rates. It is important to know the precise laws that apply in your state. Get Cash We use an advanced 256-bit SSL encryption while handling your data. All your private information is kept securely in an encrypted format. More details can be found by reading our privacy policy.