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Get up to $2500 cash now when you apply for a payday loan—bad credit is okay
Do you have trouble qualifying for a loan due to bad credit? Do you need cash now? Our payday loan direct lenders can help you get the money you need today
Sean Myers applied for a payday loan because he needed cash to fix a broken sliding glass door. Two of the homes in his neighborhood had recently been broken into and Sean knew he was putting his family’s livelihood at risk by neglecting the necessary repair.
“My wife and I are struggling with our student loan payments right now,” Sean said. “Our credit scores aren't that great. We basically live paycheck to paycheck. Sometimes it’s hard to see an end to all the financial problems we've been having. After I received the news that our neighbors had lost all their valuable possessions, I knew we had to do something about our broken sliding door. I looked into applying for a payday loan because I knew my credit score wouldn’t matter.”
Payday loans are great for people just like Sean. Payday loans provide a fast cash alternative to bank loans. There are no credit checks, no collateral, and no faxing. As long as a potential borrower is employed, is a US citizen, and makes at least $1000 a month, he or she can be approved for up to $2500. Most people that apply for a payday loan are in a situation similar to Sean’s: they need cash fast.
Payday loan lenders make their lending decisions based on a potential borrower’s employment history and income—not their credit score. Many bad credit borrowers prefer payday loans because it’s a way they can get cash without getting their credit score checked. Payday loan lenders prefer to lend to borrowers who have held the same job for at least 3 months. Potential borrowers who have an irregular pay schedule, work hours, or switch jobs constantly may have difficulty qualifying for a payday loan.
“I’d definitely recommend payday loans,” Sean said. “It is the easiest way to get a loan. I think the entire process took me less than 10 minutes. After I submitted my online application a payday loan direct lender called me to discuss my options. Honestly, it doesn't get any easier than this. Believe me—I've borrowed a lot of money over the years.”
Enjoy the better weather with a national payday loan
Summer is almost here. It’s the time of the year to de-stress, unwind, and relax. Our popular national payday loan can help you take care of any financial problems you may have now so you can fully embrace and enjoy summer 2014 without worrying and stressing about your current financial situation. Here are just a few reasons why our customers chose a national payday loan over other financial alternatives:
1). A national payday loan is easy to qualify for
Our national payday loans are an option to all employed US citizens 18 years of age or older with a bank account. As long as you make at least $1000 a month you can be instantly approved for financial assistance. Our easy online application process takes just a few minutes to complete.
“I was a little surprised by how fast and easy the entire loan application process was,” national payday loan customer Anna Marie S. from South Carolina said. “I think I finished the whole thing in less than 10 minutes. After I submitted my application I received a phone call from a national payday loan lender just a few minutes later. We talked about how much money I needed, when I could repay them, and where they could deposit the money. A national payday loan was the very first loan I ever took out. If I could do it, anyone could.”
2). National payday loan lenders don’t require credit checks
Our national payday loan lenders focus on an applicant’s employment history and income more than any other factor when it comes to the decision whether or not to grant a person’s loan request. An applicant’s credit check (or lack thereof) is never considered.
“Having a job is important,” national payday loan lender Mike M. told us. “Making over $1000 a month is important. Possessing a bank account is important. A person’s credit score? Not important.”
3). You can qualify for up to $1500 instantly
Once approved, borrowers can expect to receive their loan proceeds within 1 business day. National payday loan lenders will deposit the full amount into a borrower’s bank account. In some circumstances, borrowers can even receive their loan money the same day they apply. Currently, national payday loan lenders are offering payday loans from $250-$1500. The $1500 national payday loan is one of our most popular services at NationalCashCredit.com.
Get a national payday loan now
If you have bills to pay, debt to tackle, or you just need some extra cash to get through a difficult week, a national payday loan can help. Summer is the time to relax. Take control of your financial situation now so you can fully enjoy the nice months ahead. Our national payday loan lenders are available 24/7, 365 days a week to help you get the money you need.
“A national payday loan really helped me,” Anna Marie said. “If you need money now there is no reason why you should wait. The lenders are fast, friendly, understanding, and informative. They answered all my questions as a first-time borrower and took the time to make sure I understood the ins and outs of the loan agreement. I highly recommend them.”
Enjoy the better weather with a national payday loan, 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 -
