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All of the lending networks we’ve reviewed are real and work with lenders that offer legitimate online payday loans.

A legitimate lender must have a license to operate and lend money in your state. Not every lending network we recommend does business in every state, so check the fine print at the bottom of every company’s website.

MoneyMutual, for instance, doesn’t do business in New York due to interest rate limits under state law.

If you’re uncertain whether a payday lender network is a reputable lender and can legally work in your state, contact your state attorney general’s office for more information. Some companies try to avoid state laws by establishing themselves offshore or on tribal lands.

You don’t want to do business with a company that operates without a legitimate license. It may not follow laws designed to protect consumers and may charge extremely high interest rates or impose penalties you can’t afford.