It can be worrying if you’re unsure if a lender can be trusted. Here are our exclusive insider tips for getting payday loans in the US from legitimate lenders.
Use an online broker to assist you. When you use a broker, you have the peace of mind that the loans you are offered come from registered, legitimate, and reputable lenders. That’s why it’s advisable to apply for a loan through Viva Payday loans.
Check that the lender has a state license to operate as a lender. Bad credit loan providers need to register and get a permit from the state government before operating. A transparent lender will have a license for the state you are applying in and will make it available. With online payday loan sites, you can usually find the license information in the ‘About Us’ section. If you can’t find it, don’t be hesitant to ask. If a lender refuses to show you their license, chances are, you are talking to a loan shark or a scammer.
If you’re not sure about a lender and they’re making you concerned,  contact your State Attorney General’s Office. Your State Attorney General’s Office has a complete list of all the registered and licensed lenders in your state. If you want to make sure that the lender you are transacting with is genuine, you can verify them this way. Some offices have websites that you can visit online; some, you call or email personally.
Do your due diligence. By visiting unknown lending sites, you could find yourself dealing with a bogus lender aiming to steal your identity. Transacting with unlicensed and unverified lenders can lead to more than just a little bit of money loss. Illegitimate lenders can be scammers hoping to steal your personal details and use them to transact on your behalf illegally. After a few days or weeks, your credit card can rack up charges you never made because of identity theft. Be vigilant and safe – apply for a bad credit loan with Viva Payday Loans.