Borrowing from legitimate, law-abiding and trustworthy online lenders is the best way to avoid the risks of being exploited, overcharged, scammed or ripped off. This list provides information about personal loan services approved by the Better Business Bureau , after being thoroughly reviewed by the national consumer organization and successfully meeting all their strict requirements. Very reputable payday loan direct lender with an easy application process. They accept online applications 24/7 and give an automated decision in five minutes. As of September, Check City only provides direct lender payday advances in a few Western States, so check their site for more info.