Read All Reviews is an online payday lender based in Salt Lake City, Utah. The company is a direct lender and claims to abide by Utah laws, which isn't difficult considering Utah's payday-friendly regulations. has been banned from Oregon, California, and Washington for operating without a license. You can check whether a lender is licensed to operate in your state by checking the database of your local Department of Financial Institution, or its equivalent.

How Does It Work?

The entire process is done online. There are no credit checks or faxes to send, just a simple form to complete. Interest rates are very high and repayment periods are very short. There are no credit checks, although will confirm your individuality through other means.

What Are The Interest Rates?

Loan fees amount to $30 for every $100 borrowed. Converted to APR this amounts to interest rates ranging from 365% to 1564.28% APR depending on the length of the loan term.

How Much Money Can I Borrow?

The maximum amount is $1,000, although for an instant decision the maximum amount is $500.

What Is the Application Process Like?

Approval decisions are arranged instantly and cash is usually transferred within one business day. To qualify you want to have had an active bank account for three months, the same employer for also three months, a minimum monthly income of $1,000, and you can't be currently going through a bankruptcy.

How Is It Better Than Other Lenders? has fast service and an entirely online loan application and cash transfer process, but these are its only saving graces. has a bad record with financial regulation authorities. It repeatedly operates in states where it is not licensed to do business, and its interest rates are outrageously high, even for a payday loan. To top it, it has an F with the Better Business Bureau for its high number of unresolved complaints. is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.

Rates & Fees

Responsible lending

What we do

We can offer a short term credit shortfall solution to our customers who require funds the same day. (Mon - Fri between 9am - 5pm).

We will look at all the information provided and assess whether you are able to repay the amount borrowed, and will only lend if this is the case.

We will provide all information about your loan upfront, so you know exactly what you will have to pay.

We will always endeavour to offer our customers the highest level of customer service.

What we don’t do

We will not encourage or push a customer to borrow more money than they require or are able to repay.

We will not lend to a customer if we feel they are unable to afford the repayment.

We would never lend to a customer without fully confirming their identity through all available means.

The short term credit solution

Taking out a Payday Loan should not be a lightly taken decision. By doing so you are entering into a legally binding agreement, and therefore should only take out a Payday Loan if you feel you are able to repay it. Payday Loans should only be used as a short term financial solution, and not as a way to solve a long term financial shortfall.

Credit checks

When you apply for a Payday Loan with us, we will run a credit check against you, and a footprint of this search will be present on your credit file. We use the information on your credit report to decide if we can lend to you, and how much. We will ONLY lend to you if we feel you are able to repay any money we lend. We do share your payment history with credit bureaus, so if you have successfully repaid Payday Loans in the past, this will show on your credit file. In contrast, if you have been unable to repay Payday Loans with other lenders this will show, and may result in you being refused credit.

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