It was only a few days ago that I did a review of Payday City and detailed how their website had fallen into a state of decay. There were old blog posts, the site had a number of bad links, the FAQ page was missing, the site had no visible sign that the information being sent was secured, and just a number of other problems at their rather bland website.
It turns out this might have been the sign that they were fading fast, because even though the Payday City website is still technically up on the internet, there is no working link to fill out an application. If you click on any of the submit information links on the site it takes you to a non-functioning webpage displaying error messages. The website is not accepting loan applications.
This is somewhat big news because right now it appears that Payday City has gone defunct. Now, it could be that the owners of the site are currently in a hiatus as they deal with the legal onslaught being brought by the state attorneys. New York is particularly coming after tribal lenders. At the same time let's remember that the Payday City blog hasn't had anything written in over 17 months. It almost looks as though Payday City started to fold (or simply walked away) from lending in the most quiet manner possible, by keeping their website open on a technical basis but removing the ability to submit for a new loan.
As of now let's call the Payday City lenders out of the game. If you need a loan anytime soon you won't be getting it from this firm. Payday City was never a major player in the world of Native American loans but they have been around for awhile. Their site appeared more prominently back in 2011 but started to fade in 2012 and hasn't been active (or very easily found when searched) at all in 2013.
Here is a major key as to why Payday City is gone, even if they are not technically gone, which is their SSL (encryption) security. When you visit the company website and click on the apply button (the one that works) you will get a warning that states the websites SSL security certificate has expired. This is really not a good thing, considering the (potential) customer is about to send their very important financial data over the internet. If Payday City was still actively operating and still cared about their business why wouldn't they update that security certificate? The fact is there are so many signs that this company is just languishing there is just no way the company can be recommended for a loan.
Here's one more great sign that this company is going on a leave of absence, when you try calling their phone number it automatically goes to a voicemail greeting. The message says they will call you back as soon as possible. The message left no information about the hours that the company keeps.
Another sign that the company is flying on auto-pilot is the fact that when you go to their website there is a pop-up assistant that appears. You're first thought is ok, someone is still here, but it turns out this digital assistant is a robot. It creates messages randomly and responds to certain words that you mention to it. Then it constantly doubles back to offering people a new loan, encouraging them to apply.
They would do better to update their website as soon as possible. The website is bland, the voicemail is bland, the link to submit a loan application is not working properly, the whole situation just seems like no one is minding the store. Most Native American lenders put on a very friendly, overly vibrant face to reassure any potential borrower that they are there and that they have very responsive customer service representatives. Everything couldn't be more opposite in the case of Payday City, there is a collective shrug at every turn with this company.
What happened to this company? That's the question that doesn't have an answer. Perhaps they are just in a temporary break while all of the trouble surrounding Native American loans is hot, and they will return at some point in the future. But until then, consider some more active tribal lenders like Clear Creek Lending, Plain Green Loans, and Great Plains Lending.
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