Is Google A Safe Place To Find Payday Loans Online?
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Is Google A Safe Place to Find Payday Loans Online?

If you're looking online for payday loans or short-term loans, you're probably going to have to make use of a search engine – and in the UK, the likelihood is, your search engine of choice will be Google. Unfortunately, this potentially lucrative niche gets plenty of unwanted attention from unscrupulous types – and no matter what search engine you use, a search for these instant loans could prove tricky if you don't stay on your guard.

Want to know what to look out for and how to stay safe? Here's our best tips for safe searching and hassle free payday loans online.

Enter a phrase such as “payday loans” and you'll be served with millions of results (26 million to be precise) – lenders, brokers comparison sites all vying for your business. However, nestling amongst legitimate sites, you'll also find a great deal of predatory ones too – ready to coheres you into visiting a site that is more their choice than yours.

Ironically, much of this shenanigans is caused by properly licensed parties - desperate lenders and middle-men, who are willing to pay handsomely to get fresh leads delivered to their websites – for without this financial motivation, the problem simply wouldn't exist.

At best, it's frustrating and time-consuming – at worst, it could mean to your personal information landing in the wrong hands – spammers or even loan sharks.

Common ways site owners will try to dupe you

Repurposed expired websites

For website owners, using expired domains is an easy way of achieving instant search engine exposure. It involves buying up old domains that are due to be de-registered and removed from search listings, and re-purposing them. These established sites come with ready-made authority, and trust. They're generally re-populated with new content of poor quality or used to redirect users to another less trusted site – either way, the experience isn't going to be great, and probably not what was expected. Google frowns at this kind of activity because the trust hasn't been earned, it's been bought.

TIP: The domain name should sound like it belongs to a reputable finance brand.

nocreditcheckpaydayloansforbadcreditnofeessameday4u- dot-net

I am of course referring to those keyword stuffed domain names – a relic of the recent past, when it was found that sites could be ranked higher if the domain name included exact match keywords Exact Match Domains (EMD). Clicking on this link like this now, will almost certainly redirect you to an entirely different website.

TIP: Long, keyword stuffed domain names are usually associated with misdirection.

Generic blogs

Blogs hosted via Wordpress, Blogspot, Tumblr and the rest, have no place in your loan search – so, it's best just to avoid them. Ask yourself – how likely is it that the blog owner just happens to be an expert in consumer finance and able to offer astute financial guidance or an authoritative opinion? Let me enlighten you – you're more likely to find a nonsensical article written in poor English, with a link to a payday lender or broker you've never heard of.

TIP: Generic blogs are likely to hold little value in this niche

Pop-up bogus payday loan sites

Think you could spot one? The horrible truth is that scammers are getting more and more advanced, and their sites have become much harder to spot.

How do you check? Lenders, brokers and credit intermediaries operating in the UK are licensed and regulated by the Financial Conduct Authority (FCA). The regulations state that the licence number must be prominently displayed on the website – you'll usually find them in the site footer. They also need to be registered for data protection with the Information Commissioners Office (ICO).

To check a licence number, go to the Consumer Credit Register, and click on the 'names' section. The website should be entered in the list of authorised names. If it's not, or they simply don't display a licence number, walk away.

TIP: Check company's Consumer Credit Licence is valid

How to avoid rogue payday sites in search listings

If I stick to the top pages, I'll be OK, right? I'm afraid not – we all know Google's a pretty sorted search engine, but the black hat fraternity are just as good at what they do – and you'll always a find a significant number of dodgy sites placed high in the rankings at any one time.

A bad habit that people succumb to, is clicking on results without bothering to look what they're clicking on. Instead, you should take a moment to read each listing.

Check the listing title

Is the title relevant? In researching this article I came across a website with a title “Mourne Observer – Same Day Text Loans” - does it seem likely that a local newspaper would be offering same day text loans?

Take an interest in the domain name

A domain name can tell you a lot without viewing any other site content – here's a few questions to ask yourself:

  • Is the domain name stuffed with keywords?
  • Is the domain name derogatory to the people who might use it? I've come across names such as “loans for poor people”.
  • Is the domain name relevant to the payday loan or short-term loan sector? Due to the expired domains ploy, it's entirely possible that you might find domain names such as “NorthCarolinaBeaverSanctuary” amongst your payday results.

Check the listing description

The meta description (the bit below the domain name) should give you an insight about what you can expect to see when you click-through to the site. If it is badly written nonsense, keyword stuffed, irrelevant, or just sounds like aggressive, irresponsible marketing, move on to the next result.

Alternative ways to find loans online

Click paid advertisements

A safer place to conduct your search is right there in front of you on the same page. You won't find scammers paying for ads, so you're guaranteed (almost) to find quality providers that can truly help you sort your cash flow problems.

Use loan comparison websites

If you're uneasy with trawling the results yourself, consider using a loan comparison website. Whilst I'm sceptical about the value that some of these sites bring to the party, they will at least allow you to click-through to a number of the most popular lenders safely. Find comparison sites by typing “compare payday loans” or “compare short term loans” into your search engine.

Search for brands by name

If you've heard of companies via other forms of advertising – such as TV, magazines and newspapers – enter the providers name directly into Google instead of using a generic search term. Be sure to visit the official site though.

Be a loyal customer

If you've taken out a payday loan or a short-term loan before, and your relationship is still sound, you can always stick with the devil you know.

Conclusion

So there you have it – our guide to hassle free payday loans online. Of course, it's always best not to go there in the first place, but if you do fall foul of any of these practices, don't leave it to chance – click away and stay safe.

Thousands of people trust Instant Lolly to help find payday loans safely in the UK. Instant Lolly is a licensed UK payday loan broker with no fees - just a handy service to help you get the loans you need, when you need them.

For more articles like this, be sure to check out extra lolly too.


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