I've used PayDay One's services on more than one occasion. They don't have the lowest APR (cost per amount borrowed), but I'll sacrifice a slightly higher APR for added security and customer support anytime. Even with their current APR, it's still a bargain. And if you've ever used a payday service, the customer support is a major plus! There's nothing worse than emailing someone for questions over and over and having no response. With Payday One, I can pick up my phone if there are any concerns. It's not a mystery why TopTenREVIEWS would have them in the top spot.