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If you are looking for a cash advance, you have found the right place. Our lenders are specialists in offering payday advances to people like you every day.
They are industry experts in payday lending. So you can rest assured that you will receive a fast, professional service and that your cash is deposited directly into your bank account, quickly and securely.
General Questions About Payday Advance Loans
Everything you need to know before applying for an online cash advance.
Q: What is a cash advance?
A: Also known as payday advance loans, these shouldn’t be confused with a personal loan as you would normally apply for at financial institutions like banks or credit unions. Or the cash advance option provided by most credit cards.
This is a short term loan with which you can borrow a small amount of money to cover unexpected expenses. This loan is usually expected to be paid on or around the next payday. The collateral is usually a post-dated check that covers the amount of money borrowed, plus a fee taken by the loaners. It’s a safe way to get cash fast for people who can wait until their paycheck comes.
Q: How do I qualify for a cash advance loan and what do I need to get one?
A: Qualifying is very easy, especially with our advanced technology. You can simply sign up to our service and we’ll look for the lender that best fits your needs. Once you apply and are qualified, they can forward the cash straight to you. If you go to shop for a loan by yourself, you’ll have to fulfill a series of requisites such as:
Being 18 years or older
Most recent active bank checking statement
Proof of income
Valid State photo ID
Nowadays, many companies let you fill out your application online. Doing so allows for the service to be faster since you print it and fill it out. Our job is to find not only the easiest option, but also the most convenient one for you.
A: Legislation varies widely between different countries and, within the USA, between different states. For the most part, people believe that advance cash loans are scams, but that only applies to companies dedicated to taking money from people by posing as collection agencies. Most online cash advance agencies are legal and work within the borders of the law. Our team will let you know if there any restrictions in your city or state. For example, in the USA online cash advances are legal in 27 states and in 9 others they are allowed with certain restrictions.
A: Cash advance lenders will have different procedures and requirements, but most will follow the same basic steps for you to be able to receive a loan.
First you apply and complete the form, our services are available 24/7 for payday loans online. Your information will then be forwarded to the lender and you will receive instant notification once your application is approved. After you have customized the loan according to your needs and payment schedule. Next, you’ll have to electronically sign your loan documents, then, the cash is deposited to your bank account. After the established time period for the loan has gone by, the loan amount and the fees will be debited from your bank account automatically.
Q: Are online cash advances safe?
A: You should research deeply before you apply because most online companies don't process loans in-house. Sometimes they aren't even based in the US, so it would be a risk to chose an agency that handles your money and information from abroad.
Choose the company with the best web presence and reputation, the lowest rate and great customer support. The best companies use the very highest quality security certificate so that all data is secure.
Our services are completely safe, private and legal. We have a team of highly professional and veteran experts in financial matters at your disposal. We pride ourselves on offering the best services at the best rates to all our customers.
Q: Do I need collateral for a short term loan?
A: No, normally these types of loans do not require a credit check or any type of collateral. Usually the loan is secured by requiring you to send a check that will be cashed on your next payday. Or by authorizing the lenders to deduct the amount plus the fee from your bank account on the set date (usually your next pay day).
Do keep in mind that while it is not common, some companies might require some kind of collateral. We always advise you to know the exact terms of the loan you are agreeing to, this includes information on if you are expected to provide some kind of collateral.
Q: Do I need to read my loan services agreement?
A: Yes, of course you have to read your cash advance loan agreement. You should never agree or sign a legal document without reading it carefully first. Some companies might want to scam you or overcharge, and they get away with it by including it in the fineprint of these agreements. Always make sure you’re comfortable with what you’re borrowing, and in case you have a doubt, you should call the customer service representative of the company. Remember, it does not matter what the rep tells you verbally, what matters is what is written on the agreement that you sign.
Q: What is a deposit advance loan?
A: Although very similar to cash advance loans, these differ a little bit since the lender is actually a bank or credit union. Normally, instead of having to pay back until the next pay day (usually 2-4 weeks), the lender will automatically deduct the amount from the next deposit. If for some reason this deposit is not enough to cover the loan, they will deduct the remaining amount from other deposits.
An issue that could happen with this type of loan is that after a set time (30-35 days). The lender will deduct the full amount of the loan even if it means your account will become overdrawn.
Q: How do I know which online cash advance lender is legitimate?
A: As mentioned before, it’s always a good idea to do some research before deciding which lender you want to work with and apply through the application process.
There are some key aspects that will usually let you know to avoid doing business with certain payday lending companies. Among these, we can advise you to stay away from any company that requests to get your financial information or personal information beyond the usual name, id, etc.
Also, you will want to avoid any lender that asks you to send money up front in any way as a “good faith deposit”.
Finally, although we understand the main reason to be looking for a payday loan is you need cash urgently. Do not fall for the old “you’re pre-approved” line. This is used to catch anyone with an extreme urgency for money and usually take advantage of this. Any serious lender will not offer approvals before you have actually applied.
Q: Are cash advance loans expensive?
A: As with any form of financing, short term personal loans, can be expensive when not used in a responsible way. The key is to understand exactly how they work and to know all the fees involved before you opt to get this kind of loan.
Keep in mind the use of a payday advance loan is to help in an emergency when you can’t wait for you next pay check. Cases where you require emergency car repair, or pay your utility bills.
The fees involved can vary depending on the State you live or the company you deal with. Do keep in mind all this information has to be disclosed before you agree to receive a fast cash loan.
The one aspect you should consider when thinking about getting a cash advance loan are the overdraft bank fees you will be charged if you bounce checks. Cash advance loans are often criticized for their fees, however, when compared to what banks charge for overdrafts, it can be worth it to get a cash advance loan. You could literally save over $100 in bank fees by getting one if you are in a tight spot.
Q: Are payday loans available Military personnel?
A: Although there are other options available for members of the military, cash advance loans are available as long as they are done within the established special provisions established by law. As usual it is important to look for the best alternative that fits your needs and that this is done in accordance to the special set of rules established for members of the armed forces.
Q: What does rollover a loan mean?
A: Basically this refers to extending the time limit on your loan. Some companies offer this option, but in some States this option is either limited or completely banned.
Even if this is an option that will help a person by extending the date in which the loan needs to be paid. You need to keep in mind that there will be “delayed payment fees” which, depending on the circumstances could become very costly.
Q: What is cash advance limit?
A: There is not a specific limit. In many states the maximum loan amount available is regulated by state law and you would qualify for a particular loan amount based on your current income.
Generally most credit card companies won’t allow you to take the whole amount of your credit limit as a cash advance. Keep in mind that cash advances always come with fees. Understand all the fees and/or interest that will be charged to you for making the loan.
Q: What does Credit Card cash advance mean?
A: Cash advance is an option cardholders can use to borrow actual currency against their current balances. Cash advances usually have a very high interest rate and the credit card company may even charge you a transaction fee.
These are not to be confused with online cash advance loans since they are only for credit card holders and are done considering the credit limit on their card. Usually the amount that can be received is not the full credit amount for the card, but only a small percentage.
Q: Can a payday company sue me?
A: Yes. Borrowers who default on their payday loans can be sued by their lenders if they don’t pay back the amount borrowed and its interest.
You can prevent a lawsuit with the company preventing default. You can avoid this by prioritizing the payday loan over other debt, finding ways to get extra income and keeping in touch with your payday lender.
As with any other form of financing, it is always important to keep in mind that the money you are receiving will have to be paid back. So you should always use these options responsibly.
Q: What is the maximum payday loans limit?
A: Payday loans range in size from $100 to $1000, depending on state legal maximums. Again, the company you chose should always be the one that best fits your needs and offers you the best rate.
Make sure you don’t ask for a loan amount that will become a financial burden for you and always think of the loan as an emergency option.
Limits will always depend on the company and the background of the borrower.
Q: Are online payday loans safe?
A: There will always be risks when you give your sensitive personal and financial information on the internet. Many websites that advertise payday loans aren’t actually lenders.
Make sure the company you are dealing with is secure and look for references, which are usually simple to find online. Of course, you can always count on us to do this for you and we ensure your information will be kept completely confidential.
Questions About Rates And Interest: Everything you need to know regarding interest fees and rates.
Q: How is cash advance interest calculated?
A: Your interest rate will depend on how much you are borrowing and for how long. You can get an indication of the rate and costs using a payday loan calculator. Simply select how much you want to borrow and for how long, and you will get an indication of how much you will be charged in interest and fees. The interest will be charged at the cash advance rate from the date of the transaction.
Q: What is payday loan interest?
A: When you apply for a loan, you are charged a set amount of fees that work the same way as interest. Keep in mind that payday lenders operate under strict lending guidelines set by the government in order to avoid abusive fees. Be sure to read the loan agreement carefully to spot other fees and costs before you take out a loan.
Any serious, reputable company will inform you of the fees to be expected up front and will not hide any information from you. Always make sure you ask about the fees involved with your transaction.
These loans usually involve a fee or interest. Although many argue that fees are usually high, one must consider that the nature of these type of loans is for them to be used in case of emergencies. Normally, the fees or interest charged will be a lot less than having to pay late fees. Or even disconnection fees of services like electricity, water, etc. By understanding the fees and interest, you can weigh the options and make the best decision for yourself.
Q: Which online loans are scams?
A: If you're asked to pay money upfront, it is a sure sign of a scam as legitimate lenders won’t ask you for any money upfront. You should check that the company is real by calling their publicly listed phone number, this way you can avoid being scammed.
Scammers often use information acquired from legitimate online loan applications to make their victims believe they are true representatives of their loan providers. Sometimes they use threats to intimidate their victims. Be very careful when you apply for a loan, only use providers that have good reviews and public phone numbers.
Use Google and perform searches on the company’s name, address, and phone number. Use Google Maps and look to see if they have a legitimate physical office. What part of town are they in?. Searches only takes a few minutes and can save you a lot of hassle and stress.
Q: What would happen if I’m unable to make a payment on my payday loan?
A: Although this is a situation we should all avoid, it’s still part of the possibilities. Whatever the case, as usual, it is always best to face a problem than to hide from it. The first thing you should always do if this ever occurs is contact your lender as soon as possible. By doing this, not only will you be eliminating or minimising any possible penalty, but you might also be able to prevent accumulating more debt.
Q: Do I need to be employed to pay back the pay day loan?
A: The key is to have a source of income since we’ll require you to have the ability to repay the loan. You don’t need to be employed, but it’s needed to have some sort of income. You may be self-employed or receive income from a source other than an employer, we won’t do any credit checks on you or ask for your bank statement. All we require is proof of work.
Q: Do lenders keep my transaction confidential?
A: Once you have found the company that gives you more reliability and have a great reputation you can take for granted the confidentiality. These companies respect the customers' desire for privacy in managing their personal financial matters.
The transaction is confidential, also keep in mind that all the information you submit online is sent through a secure server. We keep your information in a secure database.
Q: I got a loan from an online company and I want to know when will the loan be due?
A: Your loan will be due on your next approved payday (loan duration is state-specific). Once your loan was approved by the online company you should receive a notice with your loan information, rates and interest fees. As well as the loan’s payment date and any other info that might the lenders consider useful to give you.