The Myth of the Payday Loan Trap

If you listen to certain people and so-called experts, you may be led to think that that a payday loan is the worst financial decision you could ever make. If that’s true then millions of us are wrong to rely on these loans during times when there are few or no other options. The myth of the payday loan trap, that if you take out one of these loans you’ll never get out of debt, is a popular one, but it is just that, a myth. Here’s why.

A Payday Loan is a Small Loan

What most people are troubled by when it comes to payday loans is the high interest rate. But what these people who criticize the rate don’t understand is that these are small loans. Most people only ever use a payday loan to borrow amounts of less than $500. For a bank-sized loan, these rates would be pretty devastating, but for a small, personal loan, it doesn’t amount to much. It is far more affordable than the experts would have you believe.

A Payday Loan is a Short-Term Loan

In addition to the payday loan being a small loan, it is also designed to be a short-term loan. While a larger loan from a bank is typically a loan that is repaid over months and years, a payday loan lasts for a week, two weeks, or a few weeks at most. And, unlike credit cards, these lenders don’t encourage you to hold onto the debt for months and years; they want you to pay off the loan on time. The combination of a small loan amount and a short loan period means that borrowers get the cash they need with interest payments that just don’t amount to much, no matter what the critics want you to believe.

A Payday Loan is a Useful Solution to the Money Problems of Millions of Americans

The most important thing about the myth that needs to be destroyed is that people don’t need payday loans. The truth is that these loans are the only funding option form many people. For those living from one paycheck to the next, one little unexpected expense can throw everything out of balance. And where will these people turn for quick and affordable loans? The bank won’t give them out, and credit cards are a bad choice. For many Americans, payday loans are not only useful; they are essential.

The Myth of the Payday Loan TrapBy Heather Wilson - 12/1/16

Black Friday Cash Advance to the Rescue This Holiday Season!

It’s almost that time again! The holiday season is upon us, and gift shopping has begun. As we all know, the most exciting day to shop sales, deals, and specials is the day after Thanksgiving, commonly known as Black Friday. That’s the day to gather with your family or your friends, get up at some unbearably early hour of the morning, and hit the stores! Some people even check the sales flyers for who has the very best can’t-be-missed deal, and actually camp out in front of the store all night to make sure they get in as close as possible to the moment they open, before they run out of the item or items that are most desirable. If you want to be part of that crowd of shoppers, but haven’t managed to put aside as much holiday shopping cash as you would like or think you’ll need, the Black Friday Cash Advance is for you! In just a few minutes, you can be approved for a quick influx of funding that will effectively allow you to spend money from your next paycheck or two – perfect for those of us who have a plan and a budget but for various reasons may have fallen behind on saving. We’ve all been there – when you know you can afford something if only it were going to happen a few weeks later? Here’s your answer!

How Does a Black Friday Cash Advance Work?

It’s super-simple! The online application form asks just a handful of questions – basic info that’s needed like your name, address, and driver’s license number, info about your income and employment, and of course your bank account number so the lender can deposit your funds directly to your account – no check in the mail to wait for! Completing the form takes almost no time, and the form data is immediately transmitted to the participating lenders who are available 24/7 to evaluate and approve your request. Once you’ve used the electronic signature on the terms agreement to accept the offer, funds will be sent to your bank the very same day – and depending on your particular bank’s clearing process, cash is usually available in your account the following business day. It’s that fast and simple! The Black Friday Cash Advance is yours to use however you like – holiday shopping, or for more immediate practical matters if that’s your need. It’s entirely up to you. In addition, the lender will set up an automatic bank draft for repayment, so you don’t even have to remember to mail a check or set up an electronic payment through your bank. It will be scheduled for your next payday, or if you need to extend the terms, contact the lender for information on options and fees.

A Black Friday Cash Advance can be the solution to a multitude of holiday budget woes, as it’s easy to apply for, flexible, and affordable. Don’t let the possibility of a fun day of shopping with your loved ones pass by due to a lack of ready cash – apply and get approved today!

Black Friday Cash Advance to the Rescue This Holiday Season! By Heather Wilson - 11/24/16

3 Ways To Use A Christmas Advance Loan – Other Than Buying Presents

1. Winterize your home and car

It’s so easy to let certain things slide when we’re short on cash. That annual check-up at the doctor’s can wait, right? And the dentist appointment , and the recommended maintenance on the furnace… Other things often feel more important – and in many ways are more important. Food really can’t wait. Paying the rent or mortgage can’t wait – but Christmas Advance Loans can help you do it all. Borrowing against that next paycheck, the one that always seems far away and elusive, can be a step toward catching up on what you’ve been putting off. Specifically, catching small maintenance or health issues early saves money by avoiding larger more expensive costs later on – and winterizing your home keeps you from letting precious heat leak outside your home when you want to pay only to heat the inside. Your car is a similar situation – the right fluids and maintenance will make sure it runs as efficiently as possible, which saves you money in the long run.

2. Get past-due bills and late fees off your plate

Wouldn’t it be nice to go into the holidays without the burden of financial worries weighing on your mind? Late fees are self-perpetuating – once you pay a bill late one time, your budget makes it harder to pay it on time the next month, until paying late becomes the usual schedule, and paying that fee has to fit into your budget every time. With all the extra expenses that holiday time brings, the last thing you need is older bills carrying over into those months, bringing late fees – or worse, overdraft – to increase your monthly requirements. Christmas Advance Loan are a fast, simple, and affordable way to catch up on overdue expenses and make sure there’s enough cash in your account to cover anything unexpected. Simply making sure that your account doesn’t become overdrawn, incurring a fee of $30 or more for every instance – can easily save you more cold hard cash than the cost of the loan.

3. Banish the biggest holiday stress-inducers

Sometimes there just aren’t enough paydays to cover everything that happens between back-to-school expenses and Christmas – as if the holidays weren’t stressful enough by themselves, financial tension is a factor that can easily quickly leech the joy from what is supposed to be this happiest of seasons. Traditional personal loans will leave you with an extra payment to fit into your budget for months or even years. A Christmas Advance Loan can pay off those expenses, whether they’re holiday travel, school expenses for the kids, winter clothing – and be paid off in a month. One month of interest payments instead of a year, and you can start the new year without any new debt to worry about. What could be more valuable at this time of year than the kind of peace of mind that comes with knowing your finances are sufficient, secure, and stable? That’s a gift you can give yourself that actually saves you money in the long run – what are you waiting for? Apply today!

3 Ways To Use A Christmas Advance Loan – Other Than Buying Presents By Eric Knapp - 11/17/16

4 Things Only People who Use Holiday Cash Loans Know

The holidays are here, and that means that extra stress is here, awkward family dinners, and of course, overspending are also here. Did you know that you can get holiday cash loans starting now? Instead of stressing over holiday money, you can be like the smart people that know all about holiday cash loans. Here are a few secrets they’re willing to let you in on:

1. Holiday cash loans let you take advantage of the best deals

When you don’t have extra money to spend you are at the mercy of what the stores are charging. You have no choice but to spend when you have the cash. With holiday cash loans, though, you can make sure you always have the extra holiday money on hand so if you see a good deal you can snag it, right there and then. Ultimately, these loans can save you money.

2. Having extra cash from holiday cash loans means having less stress

The holiday season is already stressful. There are expectations and there are bound to be disappointments. Among all the things you can't control at this time of year, you can control cash flow thanks to holiday cash loans. Don’t let the lack of money get to you. Make sure you have cash on hand, through these easy holiday cash loans, and take the stress out of the season. Or, at least don’t add any extra stress.

3. Holiday cash loans give you the option to travel

Has traveling over the holidays ever been an option for you? Either to visit family or simply to get away from it all? If you’re like most people, the answer is no, and the reason is lack of cash. With holiday cash loans you can make travel a possibility. Take a trip to be with family instead of spending the holidays missing them, or avoid family at home by taking a vacation somewhere warm.

4. With holiday cash loans you can impress friends and family

If you’re used to disappointing family at this time of year, you are far from alone. We all find that we don’t live up to expectations, especially at this time of year, but now, with holiday cash loans, you can turn that around. When you have extra cash you can give out meaningful gifts, host amazing dinners, and simply show your family that you are doing well. With holiday cash loans, the season doesn’t have to be a disappointment; it can be great.

4 Things Only People who Use Holiday Cash Loans Know By Scott Lobo - 11/10/16

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