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What is Google payday loan algorithm?

What is Google payday loan algorithm?

In mid-June 2013, just as some webmasters was relying on highly functional keywords and by supplying spam content had turned web space into an unreliable space, Google PayDay Loan algorithm was introduced.

The same original algorithm had a lot to talk about at the time and accounted for approximately 0.3 percent of the questions and answers of webmasters in the United States.

But why is this algorithm called PayDay Loan?

funny to know that the name of this algorithm is derived from a particular type of loan that has many fans in the U.S. and was initially provided by Google to deal with spam sites that use keywords associated with this loan.

What kind of sites Google payday loan algorithm considers?

Matt cutts, head of Google’s web spam team division, announced that PayDay Loan is one of the most up-to-date Google apps in the field of spam content combat.

PayDay Loan main goal is to identify and remove websites that operated in the areas of selling ultra-high loans, daily payment loans, casinos, pornography, and other spam provisions.

Matt cutts also stated that other high-powered PayDay Loan stings included sites such as the pharmaceutical black market and mortgages and insurance that had thrived the internet fraud market with false promises.

According to the latest news from Google, the algorithm learns all the results in all countries and all languages, and its impact on the results is different from different languages, and for example, 0.2 percent of the results are in English.

Matt cutts, head of research at Google’s algorithms on spammers, has also said that the algorithm is not just for U.S. users and includes all of Google’s global searches. It is interesting to note that this algorithm contains 0.3 percent of the searched results in the U.S. region, while in Turkey it is about 4 percent. It is said that spam sites are very high among Turkish sites.

Google’s payday loan algorithm affected two items;

  • Posts
  • Spamming Sites

More precisely, Cutts stated that Payday Loan 2.0 targeted spam sites and focused its version 3.0 targeting on spam requests. These updates were published in 2014 with a distance of 1 to 2 months. In addition, the third version was more protective against negative SEO attacks.

Fake sites are also included in this update. However, cutts regarded this as a side effect and not the primary goal of implementing the update.

reviewing the updated version of Google payday loan algorithm

Payday 3.0’s first update was released in June 2014. The newly published version 3 algorithm is much more accurate in identifying words such as sex pills and casinos, and its collision has become more severe. This version is also very sensitive to black hat SEO methods and penalizes sites. Fake sites are also included in this update.

The effects of Google’s payday loan algorithm on SEO

More SEO professionals than ever before put more emphasis on Google’s webmaster guidelines and pose a greater risk with grey hat search techniques or black hats.

How to protect sites from the payday loan algorithm

Use Google’s webmaster tips and don’t go against them. Don’t be greedy! Always use White Hat strategies for your content and focus on users’ experiences and obtaining standard links.

Before this update, SEO was largely focused on large amounts of manipulations. While manipulation still happens today and there are some techniques to hide from Google Scan, but if you don’t look out for your site’s content and information, this algorithm will easily understand the spamming affairs of your site.


Google’s goal in providing these algorithms is to clean web pages from inappropriate, immoral, and unprincipled content, in other words, it can be said that Google’s most important priority and goal is to satisfy users. So, if you always manage your website with the same routine that satisfies users, you don’t have to worry about it.

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