Best Payday Loans

Best Payday Loans, Top 4 Lenders For Quick Emergency Cash in 2022

BySean McKlveen

Please note that this article contains sponsored material. The opinions and views expressed here are solely those of the advertiser, and in no way do they reflect those of WTKR. When you least expect it, unexpected costs can pop up and force you to make emergency purchases. It is possible that you will need to submit an application for an online payday loan if you do not have sufficient cash to cover unexpected costs.

Cash advance loans are sometimes the only alternative available to borrowers who either do not have a credit history or have a history of poor credit. The fees and interest rates charged by loan firms are typically greater than those charged by other suppliers of personal loans.

The application process, on the other hand, simply takes a few minutes, and you may receive the money you requested within 24 to 48 hours of submitting the application. Are you thinking about submitting an application for a cash advance loan? Check out our rundown of the top websites offering payday loans online right now.

Best Online Payday Loans:

  • MoneyMutual MoneyMutual provides the best service for payday loans.
  • Payday loans available online from CashUSA, with a quick approval process.
  • BadCreditLoans: Excellent customer experience
  • Good payday loans for higher sums can be found at ZippyLoan.com.
  • 247 Dollar Loan: Ideal payday lender for minor loans
  • Personal loans for those with good credit offered by SoFiwith good credit offered by SoFi
  • MoneyMutual – Best Payday Loan Overall

Money Mutual Pros

  • Simple, simple, safe application
  • Utilized by more than 2 million unique users.
  • The processing of the funds can take as little as twenty-four hours.
  • It is simple to opt out of receiving marketing materials.

Money Mutual Cons

  • The most that can be borrowed is only $5,000.

When you only need a small amount of additional cash to get you through until your next payday, the last thing you want to do is spend a lot of time filling out a loan application or waiting for your account to be funded by the lender. This is where MoneyMutual can be of assistance.

They will swiftly connect you to a wide range of reputable lending partners and will do their best to assist you in obtaining a loan in as little as twenty-four hours.

In addition to the simplified application process, the platform has earned the trust of over 2 million clients and offers a superior degree of service in comparison to the majority of other online lending marketplaces.

Money Mutual Loan Amount – 5/5

MoneyMutual allows you to apply for amounts ranging from $200 all the way up to $5000, with the lowest amount being $200. Smaller loan amounts are better suited to payday loans because they require less approval and speed up the funding process. Despite the fact that they do not offer the highest loan amounts out of all of the providers on this list, they are still the most competitively priced. Borrowers who only require a modest sum of emergency cash and have the ability to repay the loan within a short amount of time are the perfect candidates for this type of loan.

Money Mutual Application Process – 5/5

MoneyMutual has more lax approval requirements compared to some of the other companies on this list, such as BadCreditLoans and CashUSA. Because of this, it is an ideal choice for candidates who have a lesser income or who have a poor credit history.

To submit an application for a loan, all you have to do is use the slider located on the webpage to choose the amount of the loan you require. The next step is to provide answers to some basic questions about your personal information.

You must satisfy the following requirements in order to be considered for a loan from one of MoneyMutual’s lending partners:

  • You must also be at least 18 years old and a citizen of the United States.
  • You need to have a job and bring in at least $800 every month.
  • Have an active checking account in your own name and under your control.
  • If you are able to satisfy these prerequisites, you will be put in contact with a qualified lender who may be interested in providing you with a loan.

4.5 out of 5 stars for Money Mutual’s Interest Rates and Repayment Terms

MoneyMutual is not a lender; rather, they act as a connection service between you and a large pool of qualified financial institutions. As a direct consequence of this, they do not have control over the interest rates or the terms of the repayment. On the other hand, we do wish that they were more open about the different interest rates that are provided by the institutions that they work with. You will be required to go through the application procedure in order to view the potential lending terms.

The Money Mutual User Experience Receives 4.5 Out of 5 Stars

On the MoneyMutual website, the emphasis is placed on providing a convenient method for applying for loans. As a consequence of this, it guides borrowers through the procedure without distracting them or making them choose between potentially confusing extra financial items. There is also some educational material available regarding payday loans and bad credit loans; however, this section is not as extensive as other websites on this list. Other websites on this list include:

Nevertheless, one of the most advantageous characteristics is how straightforward it is to opt out of receiving marketing communications. This is a desirable feature to have considering that the majority of the complaints that customers have about payday loans concern spam marketers.

CashUSA Pros

  • There are no limitations on the credit score.
  • Functional in every setting
  • Website that is safe and open to the public
  • Reputable business entity

CashUSA Cons

  • The application process takes significantly longer than that of comparable businesses.
  • Provides your information to third parties for sale.

CashUSA is a reliable company that provides payday loans and can put you in touch with a vast network of both large and small lenders who may be willing to provide you a loan of up to $10,000. Working with CashUSA has a number of benefits, one of the most significant of which is that the company can put you in touch with lending providers who do not impose any credit limits.

Amount You Can Borrow From CashUSA: 5/5

CashUSA’s network of lending partners offers borrowers the opportunity to apply for loans ranging from $500 to $10,000. This is a greater loan maximum than many other marketplaces for lending, particularly for those that have standards for credit that are either minimal or nonexistent. However, customers with low credit scores may obtain limited offers, or offers with interest rates that are significantly higher.

The CashUSA Application Process Receives 5 out of 5 Stars

Even if CashUSA’s application for a loan consists of a handful of more steps in comparison to other platforms, the procedure only takes a few minutes to complete and may be started here. If you are able to demonstrate that you satisfy the initial conditions, you will be connected to a lender who can provide you with the terms of a personal loan.

Due to the fact that approved applications are given offers within just a few minutes, CashUSA is considered to be one of the greatest platforms for emergency finances. CashUSA will connect you with other financial service providers who may be able to offer debt relief or credit repair services as an alternative in the event that no lenders opt to make an offer.

Rating: 4.3 out of 5 stars for CashUSA’s Interest Rates and Repayment Terms

CashUSA acts as a marketplace for lenders; therefore, it does not determine the terms or interest rates of loans. Despite this, they do make an effort to be as open and honest as possible regarding the various interest rates and repayment terms that are provided by their loan partners.

According to the website, lending partners of CashUSA typically approve loans with annual percentage rates (APR) ranging anywhere from 5.99% to 35.99%, and repayment terms ranging anywhere from three months to six years. When compared to the repayment durations offered by other lenders with higher interest rates that want payment just a few weeks after the loan is taken out, they are relatively generous terms.

User Experience with CashUSA Receives a Score of 4/5

The fact that the CashUSA website features a large educational resource area that is devoted to assisting borrowers in better comprehending themes such as credit, personal finance, and debt is one among the website’s many advantages.

Even though the website’s appearance is a little bit archaic, it is still simple to use and straightforward to submit an application for a loan. In addition to this, it protects your data from hackers using encryption and other security methods that are industry standard.

Last but not least, CashUSA is open and honest about the policies governing the gathering of customer data. CashUSA spells out its terms and conditions in straightforward language that everyone will be able to understand, in contrast to many other websites that try to hide dishonest practises by cloaking them in legalese.

  • BadCreditLoans – Best User Experience

Advantages of BadCreditLoans

  • Excellent user interface
  • The application procedure has been streamlined.
  • Up to $10,000
  • Educational tools and materials that are beneficial.

Cons of Bad Credit Loans

  • Poor Better Business Bureau rating
  • Your loan amount may be reduced if you have poor credit.

BadCreditLoans is a marketplace for loan that has been in business for more than 24 years. Payday loans are just one of the many sorts of loans that may be obtained through their network of lending partners. The user experience provided by BadCreditLoans is one of the company’s defining characteristics. Borrowers are connected to a large network of reputable loan providers using a platform that is not only well-designed but also straightforward to use.

Loan Amount from BadCreditLoans Receives a Score of 4.5/5

The lending partners of BadCreditLoans provide borrowers the opportunity to apply for loans ranging from $500 to $10,000. This selection is broader than what is provided by some of the other online lending marketplaces on this list, and it ought to be adequate for the majority of people who apply for payday loans.

The Application Process for BadCreditLoans – 4.5 out of 5

The application procedure at BadCreditLoans is quite simplified, and it just takes a few minutes to complete it.

After you have sent in your information and received any prospective offers from their lending partners, you will have the opportunity to compare the offers and select the one that is most appropriate for your circumstances based on the results of your analysis. After you have indicated that you are willing to accept the offer, the money will be electronically sent into your account, often within one business day.

BadCreditLoans provides access to a wide variety of loans in the event that a personal payday loan is not the most suitable option for you. The application process for a home loan, a vehicle loan, a school loan, or even a business loan can all be handled in the same manner.

Interest Rates and Repayment Terms for Bad Credit Loans – 4.5/5 (out of 5)

BadCreditLoans, much like the other websites on our list, does not choose the specifics of the loan terms on its own. On the other hand, they will often connect you with lenders who provide loans at interest rates ranging from 5.99% to 35.99% annual percentage rate (APR).

When it comes to the length of the payback period, BadCreditLoans only displays loans that have a repayment period of anywhere between three months and six years. When compared to the standards of the sector, this is considered to be quite generous.

User Experience with BadCreditLoans Receives 5/5

The website for BadCreditLoans is head and shoulders above that of the other online lending marketplaces on this list. It is uncluttered, straightforward, and created with intuitive navigation in mind. In addition to this, it provides a comprehensive educational resource part, in which you may learn about various cons and how to avoid falling victim to them.

This demonstrates that BadCreditLoans is dedicated to going the extra mile for their customers and ensuring that they are well-informed before applying for a payday loan. In an industry where many fraudsters fraudulently take on the names of lending platforms to mislead borrowers, this demonstrates that BadCreditLoans is committed to the lending industry.

ZippyLoan Pros

  • The maximum amount of the loan is $15,000.
  • Alternative payment methods for users with poor credit
  • Enables you to develop credit with specific lending institutions
  • Excellent user interface

Cons for ZippyLoan

  • Not available in some states
  • There are some fees that are unclear.

If you need a payday loan for more than $10,000, then your available options will be restricted. If a person’s credit is not very good, the majority of financial institutions will not lend them this amount of money.

ZippyLoan, on the other hand, is a reliable online lending platform that may connect you with creditors who are willing to give you up to $15,000. The loan application process on ZippyLoan is one of the best user experiences available.

  • out of 5 stars for the ZippyLoan loan amount
    •  

Borrowers who require a loan to cover higher expenses can choose from loan amounts ranging from $100 to $15,000 using the ZippyLoan platform. When compared to the other organisations that we researched, this one offers the greatest degree of adaptability; hence, it is an excellent option for all borrowers. However, a credit score that is fairly good is required in order to gain access to the lenders who provide greater loan amounts.

Application Procedure for ZippyLoan – 4.3 out of 5 Stars

The application process for ZippyLoan is brisk and uncomplicated, and should not take more than about five minutes to finish. Even though a good credit score is required for larger loan amounts, the site nevertheless offers a number of different possibilities for people who have a low credit score.

They can even put you in touch with lenders who can assist you in raising your credit score. Due to the fact that the majority of payday loan lenders do not report borrowers’ payment histories to credit bureaus, this may be viewed as a plus by certain borrowers.

3.5 out of 5 stars for the interest rates and repayment terms offered by ZippyLoan.

ZippyLoan offers illustrative computations for loans, some of which display example interest rates. In the context of payday loans, rates ranging from 12% to 35.99% are considered to be reasonable. The majority of these rates fall within this range.

In addition, the majority of the loan partners that ZippyLoan works with often provide a repayment duration that ranges from six months to sixty months. In terms of the flexibility of making payments on a payday loan, this is significantly better than usual.

User Experience with ZippyLoan: 4 out of 5

ZippyLoan, much like BadCreditLoans, has placed a large amount of emphasis on providing its customers with a streamlined and intuitive interface. The website is both aesthetically pleasing and helpful in guiding customers easily through the application procedure. In addition, there is a section dedicated to instructional resources that might assist borrowers in navigating the personal finance and payday loan markets.

247DollarLoan Pros

  • The smallest loan amounts available are only $100.
  • Easy to fill out application Process that has been verified by Online Lenders Association

Cons of 247DollarLoan.com

  • The maximum amount that can be borrowed is only $1000.
  • There is a lack of user experience.

When compared to the other organisations on this list, 247DollarLoan provides the lowest loan range, making it the best option for those who simply need a modest loan to get them through till their next payday. You might want to look into other opportunities first because, in comparison to the other companies we mentioned as potential rivals, this one isn’t the most credible business.

In spite of this, 247DollarLoan is a legal lending marketplace that can connect you to a loan provider who might be able to satisfy your requirements, even if you have had trouble getting approved on other lending platforms.

3.5 out of 5 stars for the loan amount of 247 dollars.

247DollarLoan provides borrowers with loan amounts ranging from $100 to $1,000. If you need money quickly and don’t want to go through a lot of hassle to receive it, this company could be able to assist you in meeting your financial needs. You will, however, need to explore in other directions if you need to pay more substantial bills.

The Application Process of 247DollarLoan Receives a Score of 4/5

It is advertised that the application process for a payday loan with 247DollarLoan is one of the quickest. To apply, all that is required of you is to fill out a little questionnaire, which should take no more than two to three minutes. Therefore, this might be a good choice for finances to use in an unexpected circumstance.

3 out of 5 stars for the interest rates and repayment terms offered by the 247DollarLoan.

On the website, neither the interest rates nor the terms of the payments are stated in any clear fashion. Even if 247DollarLoan does not choose the parameters of the loan itself, including the interest rate or the length of the repayment period, it would be beneficial for borrowers if the company offered a larger degree of transparency. You will need to submit an application before you will be able to find out what kinds of loan arrangements are available.

Website of 247 Dollar Loan: 3.5 out of 5 stars

You can find real lenders by using the marketplace that 247DollarLoan provides, which is completely legitimate. However, in comparison to the websites of the other businesses on this list, this one isn’t very professional and doesn’t exactly instill confidence. Additionally, it lacks instructional content, which is something that its rivals frequently offer.

  • SoFi – Online Personal Loans For Good Credit

SoFi Pros

  • Free of charge, with the option to co-sign
  • App for mobile devices available Loans of up to $100,000 available

SoFi cons

  • Large initial minimum loan amount required
  • Required to have a high credit score

Personal loans from SoFi are not the same thing as payday loans, as most people understand the term. In point of fact, they are more comparable to conventional loans, which borrowers can obtain from financial institutions. However, just like payday loans, the application processing and funding speed for SoFi loans can allow applicants receive funds in as little as 24 hours after the loan has been accepted.

Amount of the SoFi Loan: 4/5

On the other hand, the funding amounts for SoFi personal loans are significantly higher than those for the other loans on this list. As a result of the fact that the maximum loan amount that can be obtained through SoFi is $100,000, the loans offered by the company are particularly well suited to customers who have significant costs to cover. On the other side, this presents a problem for individuals who don’t wish to take on a significant amount of debt. The bare minimum amount of the loan is $5000.

The SoFi Application Process, a Four out of Five

The application process for a personal loan through SoFi is really simple. You may submit your application in a matter of minutes, and if approved, you will have access to rates that will not have an impact on your credit score. However, in contrast to the other possibilities on our list, the corporation places stricter limitations on the applicant’s credit score. Because the loan amounts offered by SoFi are far higher than those offered by traditional payday lenders, applicants must have a credit score that is greater than 680 in order to be considered. Because of this, the majority of potential borrowers who have credit scores below average are discouraged from applying.

4.5 out of 5 stars for the interest rates and repayment terms offered by SoFi.

Your credit score will determine the interest rate that is provided to you as an option. The majority of the loans have interest rates ranging from 6.99 percent all the way up to 21.78%. In addition, the time period for making payments on the loan is normally anything from 2 to 7 years. These are quite favourable terms in comparison to other types of payday loans.

4.5 out of 5 stars for the SoFi User Experience

SoFi stands out from the other businesses on this list by providing superior features, such as a specialized mobile application and customer service that is available around the clock. The website has been thoughtfully created and provides users with access to a variety of educational resources, member benefits, and even free career and financial guidance.

How We Decided Which Lenders Offer the Best Payday Loans

There is a large number of cash advance services available today, and many of them have earned a poor reputation among customers. People who are in need of a loan quickly should be wary of the numerous con artists who prey on such individuals’ vulnerabilities.

Therefore, we have only included legitimate payday lenders such as MoneyMutual and CashUSA, and we have eliminated the businesses that either did not appear trustworthy or did not have sufficient customer reviews to warrant a second look. This list features only online marketplaces that connect borrowers with multiple payday loan lenders.

Lender markets for payday loans will not actually provide you with a loan of their own money. Instead, they will simply collect loan offers that meet your requirements and provide you with a selection of options from which to choose. These websites are available to assist you in locating the best loan terms and rates available on the market today. After that, you are free to select the alternative that best suits your needs.

The terms of your loan are not decided by the websites that have been listed above; rather, they are decided by the lender. As a result, we looked for marketplaces where payday loan lenders could be found that would make this process as easy as it could possibly be. The following are some of the primary selection criteria that we used:

  • What kind of feedback do customers give?
  • What kinds of costs do they assess for their services?
  • How straightforward is the application process for the loan?
  • What kind of prices do they have available?
  • How is information on borrowers managed or distributed?
  • What are the limitations placed on the credit?
  • How extensive is the network of lending institutions?
  • In the event that a borrower does not take advantage of the loan offer, how helpful is the website?
  • How user-friendly is the experience of using the website?

Finally, we have done all in our power to remove any websites that are known to be operating illegally as well as any blatant scams. Having said that, it is essential to make a distinction between fraudulent lending firms and legitimate loan organisations with exceptionally high interest rates.

Due to the fact that they are excluded from the regulations that govern banks and other traditional financial institutions, companies that provide payday loans are able to lawfully charge extremely high interest rates. This does not mean that they are fraudulent, but it does suggest that you need to exercise caution when making judgments on loans.

If you do decide to accept a loan offer from a payday lender that you found on one of the marketplaces listed above, make sure that you read through all of the terms and conditions first. This will ensure that you are aware of the repayment terms and that you are not surprised by any hidden costs or fees.

Guide To Choosing the Top Payday Loans

What Is a Payday Loan?

It is one of the quickest ways to borrow money because a payday loan is a short-term loan that is typically processed on the same day it is applied for. Although payday loans can provide funding of up to $10,000, they are typically utilised for loans of less than $1,000 and have fewer approval requirements in comparison to banks and other traditional lending organisations. In comparison to other types of loans, they typically come with much higher rates of interest and shorter repayment periods.

What are the Positive Aspects of Getting a Payday Loan?

Payday loans, despite having extremely high rates of interest, do have certain distinct advantages over other kinds of loans. For one thing, they are one of the loan options that is the most convenient and the quickest to process. Payday loans can be obtained without the borrower having to leave the comfort of their home, and the application procedure can be finished online in a matter of minutes.

Payday loans have the lowest barrier to approval, making them the best option for borrowers with poor credit histories or who do not have a bank account. For these borrowers, borrowing money from family or friends may be their only other choice.

How Long Does It Take to Get Approved for a Payday Loan?

Payday loans are typically the most expedient form of credit available. If you match the prerequisites for the loan application, you can get a fast approval for some loans, such as the ones offered by MoneyMutual. Some of the others could take up to a day.

When it comes to payday loans, what is the typical annual percentage rate (APR) that is charged?

Lenders of payday loans are frequently excluded from restrictions that cap the interest rates they can charge. As a direct consequence of this, certain loan companies charge annual percentage rates that are more than 700%. (APR). Because the annual percentage rate (APR) of the typical payday loan is approximately 400%, it is imperative that you fully comprehend the terms of the loan before applying for one.

According to the terms of my payday loan, the interest rate is 10% – Isn’t this a Great Idea?

When applying for a payday loan, you should pay special attention to the length of the payback period. The repayment period for many payday loans is extremely brief, despite the fact that the interest rates charged appear to be fair (around 20%). This results in an annual percentage rate that is significantly larger than it may at first appear.

For instance, the annual percentage rate (APR) would be close to 260% if the interest rate was 10% and the repayment term was 14 days. During the process of selecting a payday loan provider, this is one of the most important factors you should think about.

Do You Have to Pay Extra Fees for Payday Loans?

There is a good chance that you may be assessed additional costs if you are late in repaying the loan that you took out. These may include the following:

  • Charges for a non-sufficient fund will be incurred if your lender attempts to take funds from your account but there is insufficient balance to cover the withdrawal.
  • If you don’t make your payment on time, you’ll be subject to late fees, which will then be added to the original balance.
  • When you extend the term of your loan past its original due date, you will be subject to additional expenses known as rollover fees.

Does Getting a Payday Loan Help My Credit Score?

No. Payday lenders often do not record your payment history to credit bureaus; hence, using their services will not assist you in raising your credit score. If you do not make your payments on time or if you default on your loan, the lender may report your account to the credit bureaus, which will result in a worse credit score for you.

Do Payday Lenders Run Credit Checks on Their Customers?

It is dependent on the lending institution as well as the state. If they have your post-dated check available as collateral, many lenders won’t investigate your credit history even if you have bad credit. Some creditors do a “soft inquiry” into your credit history, which does not impact your credit score. They are more likely to charge higher interest rates and costs if they do not perform a credit check first.

How do online marketplaces for payday loans generate revenue?

The majority of these online marketplaces for payday loans do not charge you for the use of their services, which include connecting you with lenders and listing loan offers. However, they will acquire your personal information, which may be shared with other lenders or used for the marketing of products that are not loans.

After you have provided the lender marketplace with the requested facts for your loan, the marketplace will send this information out to its network of lenders. In the event that a lender evaluates your information and determines that they would want to make a loan offer to you, the lender will pay a fee to the marketplace in exchange for being connected to you.

Therefore, the order in which you see the lender’s offers may be directly related to the amount the lender paid to be included in the offer list. This is something that you should keep in mind. In addition, the loan marketplace might show you advertisements or get payment in exchange for sharing your information with parties who are not lenders.

What Are These Online Payday Loan Platforms Doing With My Personal Information and Why Do They Need It?

Should you choose to move forward with the process of applying for a loan, it is imperative that you have a thorough understanding of what these organisations do with your personal information and why they need it.

Although the practise differs from one payday loan lending site to the next, the majority of these platforms will share your information with all of the lenders who are part of their primary network. The information is then typically distributed to non-lender networks, partner services, and advertisements.

This is done with the intention of marketing further financial products to you in the future, regardless of whether or not you have applied for them. You will need to get in touch with the lending platform directly if you want to be removed from these marketing lists so that you can opt out.

Is It Possible to Get a Payday Loan If You Don’t Have a Bank Account?

Yes. Even if you do not have a bank account, there are payday lending companies that will consider approving your application. There are occasions when all you require is an account for a prepaid card. On the other hand, lenders who don’t require a checking or savings account will typically offer higher interest rates.

How Do I Determine Which Payday Loan is the Best One for Me?

When looking into payday loans, the first thing you need to keep in mind is that you should only turn to them as a very last choice. People with poor credit ratings may qualify for other forms of loans that have reduced interest rates and increased levels of security. However, if you have no other choice but to get a payday loan, you should be sure to work with a reputable lender, such as one of the ones described above.

When shopping for a payday loan, the terms of the repayment should also be a primary consideration for you. Because the interest rates on payday loans can be exceedingly high, the most prudent course of action is to use a lender marketplace such as MoneyMutual. This will enable you to evaluate which creditors provide the most favourable terms of repayment.

Additionally, make it a point to examine internet reviews written by clients who have previously utilised the services provided by the lender. It is the most reliable method for determining whether or not the lender is legitimate and finding out how they have previously dealt with their clients.

When reading reviews online, keep in mind that payday lenders are likely to have many negative reviews from people who have gotten caught up in a cycle of debt. This is because payday lenders prey on people who are already in financial hardship. Be a prudent borrower and don’t take on more debt than you are able to repay if you want to avoid ending yourself in a situation like this one, which is unfortunately rather prevalent among those who take out payday loans.

Last but not least, keep in mind that the deals that you find on websites offering payday loans could not be the greatest accessible alternative for you. We are not providing any type of financial counselling; all we are doing is making suggestions on which online payday loan lenders are superior to others.

Conclusion: The Best Payday Loans Available Online

Borrowers who need access to money quickly and simply can do so through the use of payday loans to address unexpected costs. However, you should be aware that there are potential dangers associated with them. Payday loan instalments can quickly build up, which can be problematic if you are already in debt or at risk of falling farther behind.

This is especially the case in the event that you miss a payment or send in a payment that is late. Before you agree to any terms and conditions of any deal, you should make it a habit to thoroughly read over them. In addition, you should limit the usage of payday loans to financing just the acquisition of necessities rather than frivolous products.

Carry out some independent research before submitting an application for a payday loan to any of the companies that are listed above, including MoneyMutual. Investigate each platform in great detail, read reviews written about it online, and get in touch with the company’s customer service if you have any queries or concerns.

I am appreciative of your reading!

Leave a Reply