What Exactly Is a Payday Line of Credit? And How to Get One

You may know about payday loans. You may even have taken advantage of these great loans to help you get by between paychecks. But did you know that the same lender that gets you these payday loans can also provide you with a payday line of credit? Here’s what you need to know about this financing option.

A Payday Line of Credit Gives You Borrowing Flexibility

A payday line of credit is similar to other line of credit loans in that you get approved for a certain amount, but you don’t have to borrow it all at once. You can draw on that line of credit whenever you need cash. This is a great way to get flexibility in how you borrow. It means using only what you need, as you need it so you don’t get stuck with a large amount of debt that you struggle to repay. On the other hand, when you do need a big chunk of cash, for some emergency expense, it’s right there waiting for you to use it.

It’s Easy to Get Approved for a Payday Line of Credit, Just Like with a Payday Loan

Payday line of credit loans are different from standard payday loans in how you borrow and use the cash, but in terms of how easy it is to get approved, they are exactly the same. As with any kind of payday loan, your credit score won’t disqualify you if it’s low. You also can count on getting approved in just a matter of minutes. Your income, your job history, and having a bank account are the main things you need to show in order to get approved for this flexible source of quick cash.

How to Get a Payday Line of Credit

It’s so easy to apply for this type of loan. We do business online and on a mobile platform, so you have two easy options: use our online application or our mobile app with your phone or tablet. It takes just a few minutes to fill out the application or use the app, and then it takes about 90 seconds for a lender to get back to you with an answer. From there you are on your way to getting a payday line of credit. Your lender will take the steps to make it official and make sure the cash is ready and waiting for you to draw from whenever you need that extra money.

What Exactly Is a Payday Line of Credit? And How to Get OneBy Eric Knapp - 11/3/16

You qualify for a Holiday Cash Advance loan!

Thanks to the wide variety of lenders and available loan plans, you can almost certainly be approved for that extra cash you need at this time of year.

No credit check, no collateral, no intrusive financial statements required

That’s right, a Holiday Cash Advance does not require any collateral or other type of security on the loan, and the lenders generally bypass standard credit checks and the request for prior year tax returns that many financial institutions and lenders require in order to even consider your application.

The holiday season is a strain on the typical household budget – a holiday cash advance takes the pressure off!

Most of us have trouble putting money in savings on a regular basis, so when the holidays roll around – bringing with them a fair amount of extra expenses over and above our usual monthly budget – we can find ourselves in a challenging position. Holiday Cash Advance loans are a great way to borrow against the next paycheck or two and add more cash to the pool.

A Holiday Cash Advance is a fast and convenient way to borrow money

Have you ever applied for a personal loan from your bank and discovered too late that it took days, or a week or more to be approved and receive the funds? Holiday cash advance approvals take just two minutes! The application itself can be completed in less time than it takes to cook a simple fast dinner for your family, and you can have funds available in your own bank account as soon as the next day!

Is it safe to submit all that personal information on an online form?

That’s a very reasonable question – and the answer is yes. The developers behind the website have taken every precaution and use the same type of encryption technology on the application as you will find on your bank’s website – the one where you check our account balances and pay bills.

You can even save money with a holiday cash advance!

There are several ways this can happen. One is that we’re all prone to getting carried away and overspending when we’re with friends, celebrating or shopping at this time of year. Overdraft fees are currently averaging over $30 for each transaction that overextends your bank balance – meaning one small slip could cost you hundreds of dollars in fees. That’s far less than the cost of a modest loan to make sure your bank account stays in the black.

You can save money by not using credit cards to shop, as well! Credit card seem so easy – and the monthly payment is low and manageable! So easy to pull out that little plastic card… and we always promise ourselves we will pay them off quickly, don’t we? We all do this! But a year or more later we’re still making small minimum payments and the balance has barely gone down at all. The interest keeps accruing month after month…while with a holiday cash advance you’ll pay interest one time – one pay period or one month – and then it’s paid off! You’re in the clear and in control – so apply today!

You qualify for a Holiday Cash Advance loan! By Heather Wilson - 10/27/16

What National Cash Credit Reviews Can Do for You

When it’s time to borrow money, when you have gotten to that point where you realize it just makes the most sense, you then face a choice of lenders. There are a lot of people willing to loan you money, but the best advice you can get comes right from those lenders’ clients. Listen to what other borrowers have to say about these loans before you make a move. National Cash Credit reviews can help you make this important decision and in so many other ways.

National Cash Credit Reviews Give You the Real Picture

A lender or lending service wants to sell you on loans, naturally. They have a reason to list what is so great about their loan products, but those who have actually used those loans have no reason to speak anything but the truth. If you really want to know the truth about our loans and what it’s like to get one, you need to read National Cash Credit reviews.

Learn What You Hadn’t Considered Yet by Reading National Cash Credit Reviews

If you’re smart about money decisions, you try to think of everything. You want to consider all the factors involved, what the benefits of borrowing are, and what could possibly go wrong. No matter how much time you spend mulling this over, you probably won’t come up with all the details involved in getting a loan. National Cash Credit reviews may bring up some issues you forgot about. For example, maybe you didn’t realize that credit score wouldn’t be an issue in applying, but one of these review writers pointed it out for you. Now you don’t have to worry about your credit score.

National Cash Credit Reviews Inspire Uses for Loans

Another reason you may want to check out these National Cash Credit reviews is for inspiration. You want to use the cash from a loan to pay this week’s bills, and that’s great. It’s a perfect use for a loan. But did you know you could also use the cash for some other useful purposes, like a down payment on your new car? By reading the reviews you’ll get some great ideas for smart ways to use cash from a loan.

Use National Cash Credit Reviews to Choose Your Lender

What you really want to read these reviews for is to know that you have picked the best lender. When you put all the information together, you get a really clear picture of a lending service that offers you the best choices and the loans that make the most sense for you. Don’t agree to any loan until you read the National Cash Credit reviews.

What National Cash Credit Reviews Can Do for YouBy Heather Wilson - 10/20/16

Here’s the Real Truth Behind Cash in 1 Hour

A lot of things sound too good to be true, and many are. If someone is pushing something too hard, and it just doesn’t seem right, it probably isn’t. What is true—the real deal—is our cash in 1 hour loan. You can apply for a loan, get approved, and have an official loan document prepared, all in just one hour or less. It’s real, but don’t take our word for it; try it for yourself today and get cash quicker than you ever imagined.

The Speediest Cash in 1 Hour Loan Begins with a Mobile App

One important reason we can make this loan so speedy is that all you need for the application is your phone. Pick up your smartphone, open our new mobile app, fill in a little bit of information, and you are all set. Your lender will do the next several steps to get you approved and official for a cash in 1 hour loan. With a mobile app instead of an online application or paper application, you can apply much more quickly than with any other kind of loan.

Cash in 1 Hour is Fast Because of the Simple Approval Requirements

We can also ensure that you get your cash in 1 hour loan within the promised time limit by making approval easy. You won’t have to jump through hoops to prove you can be trusted with a loan. All you have to show our lenders is that you have a steady job and income along with a bank account and a couple other small pieces of information. There is no credit check, no references, no collateral, and no long wait to get approved.

Your Cash in 1 Hour Loan Transfers Money to Your Account Quickly

Once you have a cash in 1 hour loan approved and finalized, you won’t wait much longer to actually get access to the money you’re borrowing. This is because once you have a final loan document your lender will get to work making the transfer happen. Then you just have to wait for the cash to become accessible in your bank account, and you have your cash loan. In most situations, you should be able to access your cash by the very next morning.

This is the real truth behind a cash in 1 hour loan. It isn’t too good to be true, and it is the real deal. You don’t have to spend hours applying for a loan or days waiting to be approved. You can actually apply, get approved, and get a document e-signed all in one hour or less.

Here’s the Real Truth Behind Cash in 1 Hour By Eric Knapp - 10/13/16

Americans are Spending More Than Ever over the Holidays, Keep up with a Low Cost Loan

Holiday spending is on the rise according to the National Retail Foundation. In 2015 Americans spent a total of $626.1 billion on holiday gifts and other expenses, a rise of three percent from 2014. Much of this has to do with a stronger economy, but also because retailers have been lowering prices. You can take advantage of the lowered prices and join in on all the holiday fun by relying on a low cost loan.

Rising Spending Doesn’t Mean Going Overboard with a Low Cost Loan

Just because everyone as a whole is expected to spend more this year on holiday gifts, food, parties, and decoration, doesn’t mean you have to. You can still be sensible about holiday spending but take advantage of the great deals that retailers are offering. A low cost loan is a smart way to get in on the fun, to not feel left out, but to still make money decisions that are smart and that won’t leave you with a credit card hangover in January.

A Low Cost Loan Helps You Budget for Holiday Expenses

A great reason to get a low cost loan for the holidays is that it gives you a chance to create a budget for your spending. Knowing in advance how much you have to spend is a powerful way to control how money flies out the door during this crazy season. Most people simply spend as the urge arises. They see the perfect gift for someone and buy it without really thinking. You have a chance to be smarter than that and to control your spending. Set a budget, decide how much you can afford to spend on everything this year, and then use a low cost loan to fund your budget.

How to Get a Low Cost Loan Now

There is no time like the present to begin planning your holiday spending. By getting the cash now, you can start shopping wisely, finding and taking advantage of sale prices when they happen instead of passing them by because you don’t have the cash. To get one of these low cost loans simply go online and complete a short application. Your application will immediately be sent to a lender that matches your borrowing needs, and that lender will get you an answer within minutes, most likely an approval. As soon as the next morning, you should see the cash in your bank account. Budgeting and financing your holidays is just that easy and quick.

Americans Spending More Than Ever over the Holidays, Keep up with a Low Cost Loan By Eric Knapp - 10/6/16

The Holidays Are Coming, Don’t Get Caught Without Quick Cash

It’s nearly that time of year again, the time of year when kids get excited about Halloween costumes and Christmas presents and parents start to stress out about getting everything done and finding enough money. Most Americans struggle with cash at some point in their lives, and the holiday season is probably the most likely time when those money struggles become a real burden. There are huge expectations for the holidays, but you can meet them with quick cash.

Use Quick Cash for Any Holiday Expense

The great thing about this quick cash loan is that you can use it for anything you need over the holidays, even if that means just treating yourself to a spa day or a new outfit after a really stressful Thanksgiving dinner. More likely you'll want to use the cash for more practical things. Maybe your daughter has her heart set on an elaborate princess costume for Halloween or you have to travel to visit family for Christmas. Whether your cash needs around the holidays are planned and financed in advance, or you have last minute expenses, quick cash loans can help.

Quick Cash Loans Provide Holiday Cash Fast

This is called quick cash for a reason. In a perfect world we would always plan out the holidays well in advance, be prepared, and have all the expenses outlined by the end of September. In reality, new expenses crop up all the time, especially during this season. When you need that extra cash in a hurry, you can apply for quick cash. It takes just a few minutes to apply. Getting approved takes 90 seconds. Getting the cash from your loan takes less than 24 hours for most people. Get that money right away and smooth out that holiday wrinkle before it turns into a major issue.

Don’t Worry about Bad Credit with Holiday Quick Cash

Your less-than-perfect credit shouldn’t keep you from getting quick holiday cash when you need it. Our lenders use different metrics to approve loans, so don’t sweat this detail when you apply and definitely don’t let a low credit score keep you from applying. Your income and your job history are more informative and better help our lenders decide who is ready for a loan and in what amount. So get started and apply now. We’re here to help with all your holiday costs by providing truly quick cash for the holiday season.

The Holidays Are Coming, Don’t Get Caught Without Quick Cash By Scott Lobo - 9/29/16

Almost everyone qualifies for a Tax Return Advance!

Need extra cash for bills, repairs, or the holidays? A Tax Return Advance lets you access your next refund now, when you need it most, instead of waiting for your return to be processed through the system and get back to you. Apply online, or even on your phone! The all-digital application process keep the red tape neatly rolled out of the way so you can get it done and get on with your life.

A loan from your phone? Yes, really! The majority of us, especially the younger age groups, are using our phones for more of our daily activities that we used to use computers or laptops for – and that definitely includes banking and financial business.

90 second approval is real!

Lenders are available 24 hours a day to process and approve your applications. Why a Tax Return Advance? It’s like borrowing money from yourself. If you take out a personal loan you get cash, repay cash, and that’s the end of the transaction. With Tax Return Advances you borrow, repay… and then get the money back again when your refund arrives!Tax preparer companies who offer similar loans, but they’re structured differently. When they loan you your refund you have to have completed your return – and you sign over your actual refund to the preparer so you never see it. You don’t even receive the whole refund amount in your loan – fees and interest are deducted ahead of time!

A Tax Return Advance from FirstLibertyLoans.com will lend you the amount you request, assuming you qualify based on income and other factors, and the interest is only a factor in the repayment stage. Moreover you don’t need to have completed your tax return if you’re not ready yet – that’s between you and the IRS. The requirements are simple: Be at least 18 years old. Have a job that brings in at least the minimum $1000 per month required. Be a US citizen and have a bank account. That’s it!

Bad credit? That’s ok!

Great credit scores are not required in order to be approved. Unlike traditional loans, a credit check isn’t part of the approval process. Any financial difficulties from your past are welcome to stay in your past – our lenders look only at your circumstances today.

Fastest loan application! It takes only a few minutes to complete the online form, and you’ll be approved before you know it. Want a Tax Return Advance? Ready to get started?

Almost everyone qualifies for a Tax Return Advance! By Mindy Lobo - 9/22/16