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Which is better? A payday advance or a credit card?
When you get into a slightly sticky financial situation and you need a little extra cash to tide you over, you have a few options. Traditional loans don’t work for everyone. They involve lengthy and complicated applications. They are usually for large amounts of money and include a complex payback plan. Worst of all, approval is difficult, and the money can take weeks to get to you. For small amounts of quick cash many people turn to a payday advance or use credit cards. When you need a quick personal loan, a payday advance is usually the best choice.
Advantages of a Payday Advance
A payday advance offers you a helping hand when you need it most. Emergencies are a common reason to turn to this type of loan. A payday advance is quick, so you can get that money you really need as soon as possible. Applying for a payday advance is fast and easy. Fill out a simple application, and show proof that you get a regular paycheck. You don’t even have to make a lot of money or have a good credit score. As long as you have a job, you will be approved. Best of all, the cash can be in your bank account within an hour, or by the next business day, depending on the type of loan you choose.
Why a Payday Advance is Better than a Credit Card
Using a credit card to handle emergency expenses may also seem like a quick and easy option, but the truth is that you can get into trouble. Too many people run up huge credit card bills, and then they live with the debt for years. You may even find yourself making minimum monthly payments, which means you’re only paying the interest and not the debt. Cash advances on credit cards can also be costly since the fees are usually high. A payday advance will be for just the amount of money you need and can afford, and this means you'll be able to pay off the balance with your next paycheck. When the payday advance is paid off, you'll be debt-free.
How to Get Your Payday Advance
A payday advance is often your best option for getting cash quick. Find a reputable lender, many of which are easily accessible online. Take a minute or two to fill out the application, and if it will make you feel more comfortable, call or chat online with a lender about your situation. Show proof of your regular paycheck, and then wait a few seconds to get your approval. You will see the cash in your account that day or early the next day. When financial difficulties are causing you stress and worry, turn to a payday advance, and relax.
Payday loans by direct lenders only are some of the most preferred loans for a reason: They're cheap, they're easy to qualify for, and it only takes 1 business day to receive your payday loan funds.
"People prefer payday loans direct lenders only mostly because they're some of the cheapest loan alternatives currently available," payday loan direct lender Todd B. said. "It's expensive to take out a loan with a large financial institution due to franchise costs, overheard costs, shareholders, and specific regulations. People know that and that's why they come to us."
Borrowers who want to qualify for direct lender funded payday loans you must be 18 years of age or older, a US citizen, have a job, and have a bank account. On average, borrowers are expected to repay their direct lender funded payday loan within 2-3 weeks (or the when they receive their next paycheck) of receiving their loan. Borrowers can get up to $2500 with a payday loan funded by our direct lenders.
"If you want a good deal and if you want fast cash then a payday loan direct lenders only service is right for you," Todd B. said. "There is literally no service out there can adequately provide to working class Americans' needs like a payday loan can. There are no credit checks, no faxing, and no hassles. It's easy and it's fast."
For more information on a payday loan funded by a direct lender, please visit our easy application page at National Cash Credit
Get payday loans funded by direct lenders only, By Eric Knapp -
Payday loan lenders provide people with emergency short-term loans. Most people who opt to use a payday loan lender are people who have exhausted their other financial resources. People with a poor credit score, households that make less than $60,000 per year, and single-parent households make up the majority of a payday lender’s customers. Payday loan lenders offer their borrowers loans anywhere from $100-$1500. However, the exact amount a borrower can receive depends on his or her monthly income. In general, a person must make at least $1000 a month to qualify for assistance.
The term “payday loan lender” is a general term used to describe any and all people who offer short-term loans against a borrower’s paycheck. A payday loan lender might be a self-employed millionaire who grants loans as a side job. Another payday loan lender might work for a small company in the Midwest. Many payday loan lenders work from Indian reservations so they can evade strict state laws. Not all payday loan lenders are equal and not all payday loan lenders can offer their customers the best rates. So if you plan on applying for a payday loan in the near future, here are just a few things you should look for when choosing your payday loan lender:
Is the website secure?
All reputable payday loan lenders care about the safety and confidentiality of their customer’s personal information. People who apply for payday loans usually apply online. This means customers will submit sensitive information, like their home address, email address, social security number, and bank account number, over the internet when they submit their loan. A payday loan lender with an unsecured website should be a red flag to anyone who wants to avoid identity theft. Check for a SSL (Secure Sockets Layer) certificate that indicates the payday loan lender has encrypted the site.
How expensive is the loan?
Most borrowers only need to pay a small fee to get a payday loan. If that person repays the loan on time and in full, they won’t have any other interest charges or fees. However, if a person fails to repay on time and in full, a payday loan can get extremely expensive. Some lenders’ penalties are harsher than others. In the past, many customers have found themselves paying fees higher than the amount of the original loan they borrowed. It’s critical for potential borrowers to check a payday loan lender’s site for an accurate description of how much the loan could potential cost them. Borrowers should avoid all payday loan lenders that don’t list this information or who brush it off as an insignificant detail. Remember, this is your money that we are talking about.
How easy is it to get the loan?
If you have to jump through hurdles to get in contact with a payday loan lender, find something on the website, or get ahold of customer service, you may have chosen the wrong company to work with. A good payday loan lender is one who cares not only about their customers’ money, but about their time as well. Be wary of any payday loan lenders who have lengthy online applications, a disorganized website, or who lack a customer service representative. The best payday loan lenders offer a convenient website, a short application, and a hassle-free application process.
How available are they to talk to you?
Choose a payday loan lender that has a call center open during the hours you need. A payday loan lender that has a 24/7 answering service is usually a good indicator of a reputable lender. Again, a good payday loan lender is one that cares about you and your needs. If you need to talk to your lender, you should be able to get ahold of them.
Were you matched with a payday loan lender through a third-party company?
There are many companies that connect payday loan lenders with borrowers. Some great third party companies include National Cash Credit. This process benefits a customer because it ensures they’ll get the best deal possible. In general, a borrower will fill out an online application through the third party company’s website. Once he or she submits the application, the application will go through a server for multiple payday loan lenders to observe. If a payday loan lender wants to take the request, they’ll notify you. Many borrowers prefer this method because it enables them the option to “select” their lender. Most borrowers choose to go with the payday loan lender that offers them the largest loan amount with the smallest interest charges. Because the third party website does all the work, borrowers don’t have to spend hours researching different lenders. The best part is that payday loan lenders pay the third party website for their services, not the borrower.
Do you meet the minimum qualifications?
In general, you must have a monthly income of at least $1000 after taxes, a checking account in your name, and proof that you are a U.S. citizen. You must also be 18 or older and have had your current job for at least 90 days. If you don’t meet these requirements, you will not qualify for a payday loan. Your time is valuable to us, don’t waste it applying for something that you won’t be able to get. If you do meet the minimum requirements, you can qualify for up to $1500 regardless of your credit score!
After you submit an online loan request, you will receive multiple offers from payday loan lenders. You can always deny any request you don’t like and owe nothing. The key to having a great experience with a payday loan lender is to repay them on time and in full when you receive your very next paycheck. If you don’t, the annual percentage rates become extremely high and extremely difficult to repay. If you do pay on time, we can guarantee that you will have a positive experience working with a hassle-free, fast, and convenient method for instant cash.
What to look for in Payday Loan Lenders, By Mindy Lobo -
Cash advance lenders help low income families, minorities, and one-parent households get up to $2500
Almost 75% of Americans live paycheck-to-paycheck. These days it’s hard to get the bills paid even when things are going just fine. When an emergency happens, like sickness in the family, an unexpected car repair, decreased wages, or unpaid rent, thousands of people have no place to turn for help. For people with low income and a bad credit score, the pool of resources is even scarcer. Due to demand, cash advance lenders are now offering as much as $2500 to low-come or bad credit borrowers.
“I can’t thank cash advance lenders enough,” Maria V, a cash advance borrower told us. “I’m a single mom to three young boys. I’m the only person my sons rely on. I needed financial help fast after I had trouble making rent payments. I couldn’t let my boys go through the embarrassment of eviction. Cash advance lenders came to our rescue and lent me $1500. I’m so grateful.”
The majority of people who apply for and receive cash advances tend to be people 18-35 years old, people who lack a four-year degree, and people who rent. Many of these people also have small children to look out for.
“Cash advance lenders are helping the people that banks aren’t,” Cash advance lender Mark T said. “It’s easy to write someone with low income and bad credit off. Banks don’t want to deal with it. They prefer the ‘bigger’ customers. Cash advance lenders are currently the only resource that low income families, minority groups, and single-parents have. We’re happy to help. We can’t stress enough that a bad credit score just doesn’t matter to us. A paystub and a bank account is everything we need.”
5 cash advance lender tips for people interested in a cash advance
A cash advance can help any employed, legal US adult get the cash he or she needs instantly. Here are just a few tips on how you can get started today:
1). Apply online.
The best cash advance lenders work remotely. When you apply online, you have more say in the amount of money you can receive, your possible repayment options, and your rates and terms. Applicants who apply online are essentially sending out their application to a large pool of cash advance lenders. The “pool” method is great for the borrower because it ensures that they’ll get the best possible deal. The cash advance lender who can offer a borrower the most money at the best rate is the lender who is “matched” with the applicant.
2). Fill out the entire application.
It’s critical for applicants to fill out all the banks on an online application. Cash advance lenders may reject your application if it’s not filled out entirely. If you don’t know what something means, why it’s on the application, or why you need to list it, just ask.
3). Just because you can take out $2500, it doesn't mean you have to.
Many borrowers make the mistake of taking out the full loan amount. Remember, this is a loan. You’ll eventually have to pay it back. Remember to take out how much you need, not how much you want. If you can’t pay it back on time, you’ll have to pay interest, fees, and other charges. You may have to roll it over into another loan, too. In general, borrowers shouldn't take out more than the amount of their next paycheck.
4). Repay the cash advance on time.
Many upper-level executives, banks, and large financial institutions harp on short-term cash advance lenders due to the penalties cash advance lenders inflict on their borrowers. Because cash advance lenders don’t run credit and background checks, many cash advance lenders have no idea what to expect from a new borrower. Due to these risks, cash advance lenders may inflict fees on people who don’t pay in full on time. Cash advance lenders lend to any person with a job and a bank account. In order to stay in business and help other customers, cash advance lenders need to be sure they’ll get the money they lent back. If you’re unsure if you’ll be able to repay the amount you borrowed, a cash advance may not be the right service for you right now. In general, borrowers are expected to pay the amount they borrowed in 2 weeks or less. An installment loan is a better alternative for the person who needs longer to pay.
5). Start budgeting and saving for an emergency fund.
After you've successfully applied, received, and repaid your cash advance, it’s time to start thinking long-term. A cash advance is a short-term solution. Once you’re safely out of your emergency financial situation, cash advance lenders suggest planning for a future emergency. Just putting aside $10 a month can help. Cash advance lenders will always be here if you need them, but the overall goal of any person who struggles with their finances should be to live a debt-free life.
“We help people who need help the most,” Mark said. “Cash advance lenders know and understand firsthand how unpredictable life can be sometime. We help anyone who needs help.”
You can qualify for a cash advance loan as long as you have a job, a bank account, and you’re over the age of 18. You can apply online over your mobile device or home computer for a cash advance up to $2500. In general, cash advance lenders won’t let a borrower take out more than they can repay. The entire application process takes just 5 minutes to complete. Potential customers will receive an instant approval notification just seconds after they submit their application. Once approved, you’ll receive a phone call from a cash advance lender who can meet your individual financial needs at the best possible price. After you’ve discussed the rates and terms of the loan, you can expect the cash to be directly deposited into your bank account within 1-2 business days. The overall process is fast, safe, and effective.
“I’d recommend using a cash advance lender,” Maria said. “If they can help me, they can help anyone.”
Cash advance lenders help low income families, minorities, and one-parent households get up to $2500, By Scott Lobo -
