Each month, we audit licensed payday lenders based on 5 key metrics: disclosure clarity, fee structure, customer service, public complaints, and loan terms visibility.
🏆 June 2025 Top Transparency Performers
1. LightFund
✔️ APR & fees shown before application.
✔️ No rollovers allowed.
✔️ Top-rated support.
2. OpenLoan
✔️ Instant loan calculator pre-approval.
✔️ Full state-by-state breakdowns.
✔️ TrustPilot score: 4.7.
3. FastBridge
✔️ Clear no-fee early repayment terms.
✔️ Transparent communication via SMS and app.
4. TrueCash
✔️ No misleading language.
✔️ Spanish-language terms provided.
5. VivaPay
✔️ All rates disclosed before submission.
✔️ No hidden service charges.
Why Transparency Ratings Matter
Borrowers need to make fast decisions — often under stress. That’s when transparency is make-or-break. We built our rating system to spotlight the companies that respect your right to know everything upfront.
Want to Compare More?
Visit our full lender review section or explore our Payday vs Installment Loan Guide.