Admittedly, the fast service and easy approval related to a payday loan are the main reasons cash-strapped individuals opt to avail of said credit, both online and offline. Although not all cash advance companies are scams, you must still beware of the bad apples in the basket. Otherwise, you will be exposing yourself to fraud and identity theft, among other troubling things.
Usually, spam e-mails are not the preferred marketing method employed by legitimate online companies offering cash advances. Thus, if you receive unsolicited e-mails from lending companies, or any online company whose website you have yet to visit for that matter, beware!
In some states, advance fees are strictly prohibited by law. If a lending company asks for advance payments in exchange for loan approval, under no circumstances should you pay said fees. Keep in mind that fees related to application, credit checks and other related expenses are to be deducted from the online payday loans proceeds and only when said funds are in the process of being disbursed to the borrower.
And even when the website appears to be legitimate, it pays to ask local authorities and browse consumer awareness sites for objective opinions. After all, you can't be too careful when your security and privacy are at stake.