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Cash Advance Loans Explained
There are so many different types of quick loans, so is there a difference between short-term loans?
What is the difference between payday advances, cash advances, paycheck advances, check advances and payday loans? Find out more below... |
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In reality, there is none. All of these terms describe the same thing. They are interchangeable names for a short-term (generally about 2 weeks) cash advance.
Typically, money is borrowed until the next payday and then paid back with fees. If the borrower cannot pay the money back when payment is due, the loan period can be extended which usually allows the next payday to occur before payment is due. Additional fees apply for extensions of payment. Typically, providers will grant 3 to 4 payment extensions. If done via the Internet, the amount borrowed plus fees can be debited from the borrowers checking account.
How much money can be borrowed?
An applicant can request as little as $100 and as a returning customer may qualify for as much as $1,500 in payday loans depending on the provider.
Fees
Average fees are about $20.00 per $100.00 borrowed for a period of 2 weeks.
Requirements
Most lenders require the applicant for a payday loan to have a verifiable source of regular income that has been providing between $1.000 and $1.200 after taxes per month for at least 3 to 6 months, some require that the applicant be employed full time. Minimum age to be eligible for a payday loan is 18 with most providers. Most agencies will not grant loans to applicants that have outstanding applications with other payday loan providers or will decline applicants that have outstanding applications with more than one other agency.
The applicant needs to have a current checking account that has been open and active for about 90 days. If applying for a payday loan over the Internet, access to a fax machine is required by most payday loan providers to submit the application and verification items which usually include a bank statement and a copy of a voided personal check. However, there are companies that offer so called fax free loans, which are approved without verification items on the condition that all information given in the application can be verified, e. g. via the telephone. |
Are you in need of cash fast? Do you need money for a car repair or to replace an appliance but your next payday is weeks away?
Want to avoid costly interest rates by not missing your bill payments? Do you want to avoid late fees on overdue bills and need a relatively small amount of money, somewhere between $100 and $1,500, if available to you right now, would help you out? A payday loan or cash advance might be the right solution for you. Find out more below... |
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Want to avoid costly interest rates by not missing your bill payments? Do you want to avoid late fees on overdue bills and need a relatively small amount of money, somewhere between $100 and $1,500, if available to you right now, would help you out?
A payday loan might be the right solution for you.
Don't worry if your credit is less than perfect. As long as you are 18 or older, have an active checking account and have a recurring monthly income of at least $ 1,000 there is a payday loan provider out there who can and will help you.
Best of all, you won't have to stand in line waiting, you won't even have to leave your home.
Internet payday loan companies make it possible for you to either fill out your application online or call one of their service representatives and have them fill out your application for you. All you will have to do then is to fax in a recent bank statement and a voided check.
And if you do not have a fax machine in your home, many providers will accept your payday loan application without faxing in any documents as long as all the information on your application can be verified, for example by telephone.
What's also great is once you are approved, the money will be electronically deposited into your bank account, which means it will get to you fast.
If your application goes through before 4pm PST / 7pm EST, your money can be in your account the next banking day. Not taking into account holidays and unusual circumstances that means that if you get approved before this time on Monday, Tuesday, Wednesday or Thursday, your money should be available to you the next day. If approved on Friday, you should have your money on Monday. If your payday loan is approved on either Saturday or Sunday, usually the money will be in your account on Tuesday.
If you need money even faster, however, this is possible, too. There are payday loan companies that will, if your application is approved within banking hours, wire you the amount approved into your account within an hour.
In most cases you will not even have to remember to pay back your loan. The loan amount together with fees will be automatically removed from your account once your next payday comes around. |
| Securefastcash.com will match you up with a top rated online payday loan company that will wire a fast cash advance to your bank account. It's simple, our lenders provide payday loans to help you pay your bills on time, have emergency cash, make needed car repairs, pay unexpected bills or for any other reason you may have. Our lenders cash advance service is HASSLE FREE and FAST!!! Apply now and if your application is approved before 3PM CST on a banking day, your assigned lender will transfer the money to your bank overnight, and the funds should be posted to your account the next banking day. |
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