Cash Advance Loans

  • Bad Credit/ No Credit OK
  • No Faxing Required
  • Get the Emergency Money You Need Right Now!
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Get a cash advance to stay financially afloat

When you are expecting a paycheck or other form of cash but need money now instead of on the scheduled pay date, we can help you get a cash advance online. The money is directly deposited into the your bank account within a day, often within a couple of hours. There are no credit checks so you don’t have to worry about getting hard inquiries on your credit report which can lower your score. Typically you won’t have to worry about the hassle of faxing in documents either. It’s fast and convenient so apply now and see how easy it is to get the cash you today.

Basics of payday advances

Applying for a cash advance online is easier than applying for a loan through a bank. Bank loans can take weeks, but an online cash loan are usually completed the same business day. Our application process only takes a few minutes, and you get the money directly deposited into your savings or checking account. Our lender matching system can find the right lender for your circumstances no matter what state you are in.

Does Credit Matter? No Credit Checks!

Bad Credit Chart

APR: The equivalent annualized percentage rate for payday loans and other short-term installment loans ranges from 547.5% to 999.45%, based on the amount and the length of the loan.  Larger loans with longer payback periods have lower interest rates.  While this sounds large, one must consider that these loans are only meant to be for a very small time-frame, usually 2 weeks.  Annualizing other fees in the same manner results in APR of 2336% for a returned check fee of $32 against a $100 check, a 965% fee against a $37 credit card late fee or over the limit fee, or a 1203% APR for a typical $46 reconnect fee by a utility company.

Financial Implications: Short term payday loans are meant to be just that: Short term.  Typical fees range from $15 to $40 for every $100 borrowed up to $500.00.  Fees per $100 begin dropping on loans larger than $500.00.  Fees are typically less than what borrowers can expect to pay for bouncing a check, having a utility disconnected, or paying a credit card bill late.

Collection Practices: If a loan becomes delinquent, attempts at collections are first conducted internally, primarily through telephone, an attempt to work out a pay-off arrangement that takes into strong consideration the financial condition of the borrower.  If, after all attempts at internal collections have failed, the lending agency may send the loan to a third party collection agency in an attempt to recover the funds lent in good faith.

Credit Score Impacts: Short term, payday loan lenders may rely on any of the three (3) major rating agencies – Equifax, Experian, or Transunion. Generally, the borrower doesn’t have to bear concern that their score may be affected by having the loan request determined by results from these agencies, however, such determination is solely in the discretion of the payday loan lender(s), which may result in the lender(s) submitting, among other things, the borrower’s request for the loan, or the subsequent payment(s) under the loan to any of these agencies. Short term lenders may also rely on their own scoring criteria, which is generally based on income and ability to repay, as well as the borrower’s payment history of any previous payday loans that have been made with the lender in question, or with other payday lenders.

General terms of cash money loans

Paycheck advance loans between $100 and $1,500 are available online through our application process. The fees for these range from $15 to $30 per $100 borrowed, depending on state law and other circumstances. The term of a small fast cash loan is usually two to four weeks, and the proceeds and fee must usually be paid back in one lump sum. If you need more time to repay the amount you need, check out installment loans link in the menu above this page.

An advance versus traditional bank lending

These small cash loans have two unique advantages over traditional loans in that they are unsecured loans, and typically don’t require a credit check. This means that someone of little means or with a bad credit record can be approved in the case of a financial emergency. You can even borrow if you have a bankruptcy on your record.

Use your money wisely

Financially responsible people can use this type of funding only to save money by avoiding late fees and overdraft charges. They can also protect customers’ credit reports by allowing them to make payments on time. This can save you thousands in interest and fees over the course of a paying back large amounts of credit card debt.

Get the money you need today

An advance can be directly deposited into your bank account today, possibly within just a couple of hours after you and an online money lender reach an agreement. We can find the best, most trustworthy lender for you in just a few minutes.
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