If you are looking to get a fast cash payday loan it may seem enticing to go with the first offer that you see.  This may speed up the process a little bit, but you are going to end up paying much higher rates (unless you are very lucky!).  In order for you to get a good rate on these loans you are going to have to do some homework and research.  It won’t take much longer than you think it is going to!  Start online and look at a bunch of different lenders to see what their rates are like, and compare that to the average of $25 per $100 borrowed.  When you find a lender that is willing to do $10 or $15 per $100, you know that you’ve found a good deal.  If you’re looking for loans in your town, look at the smaller payday lenders.  They are much more likely to cut you a deal so that they can get your repeat business.