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Have You Been To Pay Day Loan Hell?

Updated on August 17, 2011
Use care if applying for a pay day loan or you may go to pay day loan hell. Which is a place you don't want to be.
Use care if applying for a pay day loan or you may go to pay day loan hell. Which is a place you don't want to be.

Pay Day Loan Hell

A friend of mine was telling me about applying for a pay day loan and he said it was one of the worst experiences of his life. I checked out his story by applying for a pay day loan and I could not believe what happened. Let me say up front that I had no intention of accepting a pay day loan but that really wasn't going to happen so I didn't have to worry about that.

I waited until Monday morning and I used false information along with a disposable cellular phone to apply for a pay day loan. I also used a free email address and I applied at about 3 different online payday loan companies. I could not believe what happened. I really don't know how a pay day loan company that is legitimate ever makes a pay day loan.

If you go to Google and put pay day loans in the search box a bunch of results will pop up. If you apply at the first three or four your going to find that all your going to get is spam. You will never be offered a pay day loan. Once you enter in all your information and apply you will start to get emails with subjects like, " Your Approved", $600 Deposit Pending, etc etc. But what you'll find if you click the links inside those emails is you'll be taken back to the same sites where you just applied for loans and you'll end up with lots more empty promises. I truly don't know the purpose of this. Why would anyone set up a system like this. But I will say if you scroll down and read the fine print it will tell you that the places you are applying for a payday loan at are not pay day loan companies. They are collecting all your personal information and you're never going to get a pay day loan.

What I would worry about more than anything is what is the fake pay day loan company going to do with all your personal information. One thing I can guarantee you is your never going to get a pay day loan from these people. Never in your life. So be extremely careful where you input your personal information.

Beware of fake payday loan companies that are harvesting all your personal information.
Beware of fake payday loan companies that are harvesting all your personal information.

Fake Payday Loan Companies

If you make the mistake of applying for a pay day loan at all the fake pay day loan companies out there they are asking for your most personal information. I would be very careful what personal information I entered into a online form. Trust me you do not want all these fake pay day loan companies with your social security number, bank information and etc.

If you are truly going to apply for a pay day loan go to their location in person. If you can't then apply over the phone. Ask them up front if your information is secure. Are they going to share or sell it to other people. Because trust me the fake online pay day loan companies are going to trade and sell the personal information to everyone. And they are going to lie to some of the people they sell your information to.

Just a few days after I applied for the pay day loans I started getting calls from quick talking sales people telling me that my car loan I had recently applied for had been approved. When I told the people calling that I had not applied for an auto loan most of them hung up at once. A few insisted that yes I had applied for a car loan and I was approved. Then I started getting calls telling me about all kinds of great things I had been approved for from lines of credit I had to pay for to education loans they said I was approved for but I had never applied. At one time before I turned the cell phone off I was getting 100 or more calls a day. All from people who I had never asked to call me. So yes the fake pay day loan companies were selling my information.

So remember if you do apply for a pay day loan never do it over the internet. Never enter your personal information in a on line form. Always scroll down and read all fine print. Apply for a pay day loan only in person or over the telephone. And ask them if they are going to share your information with other people. If they say they are tell them thanks but no thanks.

I promise you that if you apply at one of the many fake pay day loan companies your never going to get a pay day loan from them. All they are there for is to harvest your information and once they have your information your going to start to get spammed and I guarantee you that your telephone is going to start ringing off the hook but it is just going to be more spam. Yes they are now spamming you over the telephone.

Please feel free to post your own pay day hell stories below in the comment section and feel free to post your comments and questions. And thanks for reading.

Do you know about fake pay day loan companies? Please post your comments and questions now. And thanks for reading.

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    • profile image

      June Dickson 

      6 years ago

      done a really stupid thing couple of weeks ago!!! applied for pay day loans and gave all my details, sort a/c and long number, everything, and now i have loads of junk emails and its filling up my emails also. have had phone calls late at night and now having pop ups on sites. please help it's driving me mad. didn't get a loan in the end after getting hounded constantly, don't know what to do.

    • profile image

      sexy kesh 

      6 years ago

      i applied for one of this loan because im really in a bad situation with money right now. And i keep getting all these emails and call about being approved for a loan. So i guess i got token. Now im scared because i gave them all my feel information. I only get a ssi check in my account on the first. And i don't wont them to take the little bit of money i do get. So what can i do to stop this from happen.

    • profile image


      7 years ago

      Oh. but that is only the beginning. Wait until you start getting the phone calls from fake debt collectors that are tied in to your payday loan information. They call and tell you you have taken out a payday loan and either not paid it off or you have paid it off but the check you used to pay it off with is bad so they have filed or are about to file a complaint in court unless you are willing to send them the money Western Union or with a prepaid credit card. It's all a scam tied in with the payday loan information you enter on one of the various scam sites. The FBI and your state Attorney General has plenty of information on these slugs.

    • crazyhorsesghost profile imageAUTHOR

      Thomas Byers 

      7 years ago from East Coast , United States

      I checked the email address I set up today and it is full. And it's a G Mail address. That in its self was quite a feat. I still do not know the purpose of companies like these. Your never going to get a pay day loan from them. Its never going to happen. No way.

      I laugh every time I think about this scam mess. But I still don't know the purpose. I don't know how they would ever profit from it.

    • profile image

      true story 

      7 years ago

      Same thing applied last year and getting spammed daily had to change my bank phone number worst nightmare

    • profile image


      7 years ago

      So true---when I applied for a payday loan that is exactly what happened. I ended up having to have my bank accounts frozen because of unauthorized transactions. Nothing is SECURE on those sites. Stick to the brick and mortar locations--they have to abide by state laws or be out of business.

    • JP993 profile image


      7 years ago from England

      This is an excellent hub. I hope this saves a few people who are in a desperate situation. Awesome.

    • crazyhorsesghost profile imageAUTHOR

      Thomas Byers 

      7 years ago from East Coast , United States

      Your very welcome. I just couldn't believe what the fake pay day loan companies were up to. It is out there indeed. Just checked the fake email address I used for this story and there are over 5000 emails in there. All from you guessed it fake payday loan companies.

    • Paradise7 profile image


      7 years ago from Upstate New York

      Good hub. I wrote a hub against Payday Loans, but not because of the online scammers; the interest is OUTRAGEOUS!! You can get trapped and never be able to get free, where most of your paycheck is eaten up before you even get it.

      This is a whole new spin on the payday loan thing and even more of a scam than the ones that actually lend you the money. You're doing a public service by putting this up here--thank you.


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