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A quick search for "fast cash" or "I need money now" is likely to pull up thousands of pages of links to lenders promising instant access to cash. J.G. Wentworth's "8-7-7-C-A-S-H-N-O-W" jingle may start playing in your head. With so many options available, it's hard to know the most secure and responsible choice for your financial …

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A payday loan is a type of quick personal loan that’s typically for $500 or less and due on your next payday. Lenders that offer payday loans often charge exorbitant fees, which can equate to interest rates of around 400% in some cases. To put things into perspective, a $500 loan with a $50 lending fee equates to an APR of more than 260%.Compare and pre-qualify for safe online personal loans from lenders like SoFi, Best Egg and Upgrade. Rates start around 6% with loan amounts up to $100,000.

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