Kim Kardashian may seem trustworthy because she's a celebrity, but get her prepaid card and pay dearly with fees. Image: David Shankbone/Wikimedia Commons/CC-BY

A new product to get celebrity endorsements are credit and debit cards. Celebrity debit cards work like a typical card, except that because a celebrity endorses it, the fees are higher than normal. A person would be better off with a cash advance than some of these cards.

Consumers urged to avoid the ‘Kardashian Kard’

Not long ago, a line of prepaid debt cards was announced by the Kardashian sisters. Celebrities sometimes lend their name or likeness to a product because it will sell. That isn’t so bad; plenty of products that have endorsements that are perfectly fine. However, their card has been slammed, according to US News and World Reports, as being disgustingly expensive. For instance, every ATM withdrawal from the “Kardashian Kard” costs $1.50, on top of ATM fees. It also costs $9.95 to get one, and a monthly fee of $7.95. The “Kard” has to have six to 12 months of fees paid to even use it, and it costs $1 every time a person puts money on the account. Basically, a people using the Kard have to give the Kardashians and MasterCard some money now every time they want to use their own payday cash.

Maybe a payday advance would be better

A six-month Kardashian Kard costs $59.99, considerably more than the average payday loan costs to borrow. According to the Washington Post, the normal fee for similar pre-paid debit cards is $10 per year. Though a prepaid card like the Kardashian Kard or the Green Dot Card may not carry as many fees as some bank accounts, it seems ridiculous to be giving up that much from pay day for use of a debit card. It is better to get a checking account through a credit union, as credit unions have far fewer fees than traditional banks. They also don’t have as many account fees, and credit unions benefit the community, not wealthy celebrities and shareholders who pocket the proceeds.

Better options

If you need a small loan until payday, getting a loan from a payday lender may be better than getting one of these celebrity debit cards. The interest saved from card fees alone may be a huge savings. You can read more in the Payday Loan Facts and Statistics Report on Personal Money Market.

Social crusaders want the payday advance industry regulated, even out of business. However, a lot of the industry already regulates itself. Image from Wikimedia Commons.

Many critics of the payday advance industry have opined that the industry needs greater regulatory control. Numerous states have put interest rate caps, effectively price ceilings, in place which make it hard for loan lenders to make a living. How many payday loans a person can borrow has also been limited by statutes. The calls for new laws rarely address how much self-regulation the industry already does.

Case for regulating payday advance loans

There have been numerous campaigns and calls for the payday advance loans industry to be regulated. Some people want cash advances as a product regulated completely out of business. To be fair, there are “bad apples” in the industry. In fact, a debt collector for a payday loan lending outfit in Oklahoma is being sued for violating the Fair Debt Collection Practices Act by impersonating a government official, according to Consumer Affairs. It would seem that there should be strong laws set in place against short term loan lenders so that they cannot abuse people with impunity. However, the payday advance industry has been self-regulating itself for years.

Best Practices

There are trade organizations to which payday loan lenders belong at local, state and national levels. Many of these organizations set a code of ethics for themselves, known as Best Practices. The Best Practices are often similar if not the same across trade organizations. For instance, there is disclosing rates and fees up front to customers. Practices also will limit the number of “roll overs,” or renewal of loans to customers if there is a pattern of repeat borrowing. They also mandate adherence to the law regarding collections, and encourage customers to report lenders not in compliance with Best Practices to both the organization a lender belongs to, and also to authorities.

Look for membership

A potential payday advance loan customer should check out a prospective lender, and see if they are affiliated with any such organization. There should be a seal of membership in a payday loan store or on a website. Look for members of the Online Lenders Alliance, Community Financial Service Association of America or Financial Service Centers of America. You can read more in the Payday Loan Facts and Statistics Report on Personal Money Market.

Don't stress this holiday season, take out a payday loan. (Photo: JASON ANFINSEN/Flickr/CC-BY)

A payday loan can help in many different ways. The holidays are one of the most stressful times of the year, and considering the recent recession, this year is going to be no exception. People across the U.S. are trying to find ways to stay caught up on their bills and still have extra cash for the simpler joys in life. When people can’t figure out how to pay for their holiday expenses and stay on top of their living expenses, stress and anxiety skyrocket.

A payday loan can alleviate some holiday stress

Stress can be very hard on the body. The health complications from stress are worse than what most people could imagine, and the biggest stressor during the holidays is money. If you’re left facing unexpected bills and you need just a little extra cash to get by, you can take out a payday advance loan and allow stress to subside substantially. With a payday loan, you can still manage after all the holiday expenses and stay caught up on your bills. You won’t incur unnecessary late fees from falling behind on bills. You can even pay the loan back over time, instead of all at once and have your holiday fun with no added worries.

How and where to get a payday advance loan

Getting a payday loan is actually very simple. You only have to fill out the online application form and you’ll have an approval in minutes. There is typically no credit check, no long lines at the bank and no unnecessary paperwork to fill out. To qualify for a payday loan, there are a few, basic requirements: you must be 18 or older, a valid U.S. resident, have steady employment and a bank account. If you meet all these requirements, the rest is easy as pie.

So why are you still reading? Apply for your payday advance loan today and take the stress out of this holiday season.

Start your payday loan application HERE!

Price ceilings, like rate caps on payday loans, can create business margins that make coal mining look comfortable. Image from Wikimedia Commons.

Some people have the idea that the payday advance industry does not compete for prices. In fact, many suspect lenders collaborate to keep prices and profits high at the expense of consumers. This case has been argued, citing the near uniformity of the price of the typical payday advance. However, those who make these claims have clearly not done their homework.

Fiction of non-competing payday advance lenders

One of the constant criticisms of the payday advance industry is that lenders do not compete for prices. The Consumer Federation of America asserted in a study that payday lenders, if not put under a vigorous rate cap, will charge the maximum amount allowable. The study in question looks at prices charged on cash advance loans in Colorado, which has a rate cap on the fees that can be charged. However, that study does not address why payday loan fees are so close to the legal maximum.

Price ceilings

Most states that allow payday loan lenders to offer payday advances to borrowers also impose a cap on rates and fees. Typically, the cap imposed on loan lenders is between $15 to $20 on every $100 loaned, which is called a price ceiling. The idea is that this keeps prices from being too exorbitant. However, price ceilings that are too close to the break-even point, where no money is lost, ensure that a business has to charge close to the ceiling in order to barely make a profit, never mind keep the doors open. Not only that, but a price ceiling that is too low, according to Wikipedia, also ensures the black market will enter the picture.

Someone skipped Econ

Price ceilings are part of rudimentary economics taught at the high school level. Forgetting the basics of how the world works to try to make a moral point is farcical at best. You can read more in the Payday Lending Facts and Statistics Report on Personal Money Market.

Wells Fargo charges people $35 per overdraft, and at that rate, its cheaper to get a payday loan. Image from Wikimedia Commons.

It might seem inconceivable that Americans could save money by borrowing a payday loan sometimes. Industry critics usually have good intentions. However, something often goes unmentioned while the cash advance industry is raked over the coals. If an average person gets a payday loan to keep from going into overdraft, that person saves money.

An overdraft works like a payday loan

An overdraft charge works sort of similarly to payday loan, in a way. A certain amount of money is loaned, by a bank, and then a fee is assessed for lending the funds to cover a transactions. Basically, an overdraft is the same thing as a short term loan from a bank. The difference is, no one really wants to overdraft, and a lot of people do it accidentally. Thus, when a people overdraw their accounts, they aren’t usually choosing or deciding on the amount they want to borrow. And it adds up fast because if customers make multiple overdraft charges, the overdraft fee is charged each time. Overdraft fees from Bank of America and Wells Fargo are $35 per occurrence. It has been estimated that up to 60.4 percent of income for credit unions is from overdraft fee revenues, and more than 43 percent of non-interest income and 21 percent of net operating income for banks. That’s an awful lot of instant cash.

Overdrafts add up

A study published by Bretton Woods Inc. in 2010 reported that the average household with an active checking account incurred 12.7 overdraft fees or non-sufficient fund fees in 2009, which marked an increase from the 11.8 NSF/OD fees in 2008. The average NSF/OD fee, from the same study, was $29.58 in 2009, meaning that at 2009 rates, the average household with an active checking account pays $375.67 or more in OD/NSF fees annually. The average payday loan is $350, and the average fee is $47.50. Because multiple overdrafts can occur easily, and fees are charged per occurrence, it is cheaper to get a payday advance than an overdraft.

Banks are institutions

Why do banks get off the hook for these fees? Well, it’s simple. Banks are institutions, and some people think that institutions should never be held accountable because they are institutions. You can read more in the Payday Lending Facts and Statistics report on Personal Money Market.

Payday lenders do not move into a poor area to turn it into a dust bowl. The truth about payday loan borrowers is actually surprising. Image from Wikimedia Commons.

The actual people that are payday loan borrowers are not who some claim them to be. Payday loan lenders are thought to target the most desperate and poor. Cash advance lenders are also said to concentrate in areas that are more densely populated by minorities. Like most stereotypes, the larger picture is actually a little more complex. Like most stereotypes, there isn’t a lot of truth in these views either.

The poorest of the poor cannot get a payday loan

The thing about the people who actually do borrow money from payday lenders, be it from a payday loan store or online payday loan lender, is that they are not the poorest and most desperate. First of all, one has to have a coming pay day to even be considered for a payday loan. One also has to have a checking account. Now, when it comes to banking, there are two designated people that don’t use a bank for every need. There are the “unbanked,” and the “under banked.” The FDIC and the Federal Reserve define the “under banked” as people who have a transaction account (e.g. checking or savings accounts) but still utilize alternative financial services (AFS) in order to obtain the products they need.

Proof of income is required

By definition, only the under banked can even get access to a payday advance. That means a person has to have a stable income. The unbanked, who are the poorest and most desperate, can’t get a payday loan if they tried. Furthermore, it is economics, not ethnicity, that determines where payday lenders locate. Studies have found that payday lender concentration correlated better to urban and rural areas where most of the population was younger than 40 and lived above the poverty level.

Stereotypes never live up to reality

The average payday loan borrower has a high school education or better, and makes between $25,000 and $50,000 per year. That is middle class, through and through. Considering how easily minimum payments and accumulating interest can trap a person for years, credit cards are far worse for that demographic. You can read more in the Payday Loan Facts and Statistics Report on Personal Money Market.

Mortgages are far more a debt trap than a payday loan could ever be. Image from Wikimedia Commons.

It is almost impossible to prove that such a thing exists as a payday loan debt trap. Like many social issues, the truth is a lot more complex than many would like to admit. For instance, it is true that a lot of people who borrow money from payday lenders take out multiple loans. However, it has not ever been proven that people are taking out new loans to cover their old ones, which is called a rollover.

The debt trap myth

The contention that payday loans trap a person into an endless cycle of debt has never been proved. However, a 2005 study found that many payday borrowers indeed did borrow money multiple times per year. One study found that 29.6 percent of payday borrowers surveyed had 14 or more loans in the previous calendar year and 9.9 percent took out two or fewer, but 28.1 percent had no renewals or rollovers. However, no study has ever ascertained why chronic borrowers, less than half of all payday loan store customers, borrow money with such frequency.

Lender of last resort

The reason why payday loan lenders exist is that they will loan to people that no other loan lender is willing to take a chance on. All a payday lender looks for is the ability to repay, not credit scores. The reason why people go to payday lenders is that they have nowhere else to turn to. A 2009 study of payday loan demand shows the number of people who borrow from multiple sources of credit is 91.6 percent. Johnathan Zinman found that 70 percent of the payday borrowers he surveyed either were not aware of or had no alternative to borrowing from a payday lender.

Credit has risks

Some payday advance customers borrow frequently. However, consider also the debt trap of credit cards and mortgages. Few people ever will own their home outright, as few people stay in the same house or city for long enough. Because more money is lent by banks and credit card companies, those debt traps are legitimate according to social crusaders. That is some severely fuzzy logic. You can read more in the Payday Loan Facts and Statistics report on Personal Money Market.

Payday lenders don't deserve to be labeled "sharks." Image from Wikimedia Commons.

Over the past few years, the term “predatory lending” has been brought up a lot, and the term is often leveled at payday lenders. The payday lending industry has been called just about every name in the book. These accusations are inaccurate. Furthermore, it isn’t fair to level these terms at the typical short term loan lender. In fact, it is hard to call any lending institution a “predatory lender.” The reason is that no one really knows what that phrase means.

Predatory lending didn’t exist until 1994

In the wake of the mortgage crisis, there has been great outrage at “predatory lending,” a buzzword of the last two decades. According to Adair Morse and others who have studied whether payday lending is predatory, the term was first coined in 1994, and rarely used until at least 2000, and didn’t gain prominence in the national lexicon until after 2005. The phrase, like others, are conjecture at best. A small loan lender is no more a predatory lender than a mortgage company.

The spread of buzzwords

There is a social phenomenon known as “buzzwords.” Some of them are tied to legitimate concepts, but any buzzword should be viewed with a skeptical eye. Many of them have differing meanings and fuzzy logic. The term “predatory lending” would presume that a loan was lent to a person who was desperate, couldn’t understand the terms, or couldn’t really pay it back. Since the typical payday advance lender explains terms well, and can’t afford to lend to people who can’t pay the loan back, that standard can’t really be applied. However, that is only a subjective definition. Someone else could think something else entirely.

Who is really predatory

Think of the debt burdens many think of as “good.” A new car costs almost $20,000. A new house costs over $150,000. These debts can lock a person into a lifetime of payments only to never realize the benefits of ownership. That sounds far more predatory than a loan until payday. You can read more in the payday loan facts and statistics report on Personal Money Market.

Some might think the average payday lender makes as much as John Rockefeller, the richest man ever, but it isn't true. Image from Wikimedia Commons.

The way payday loan and cash advance lenders are talked about, people may think they sit atop piles of cash. Contrary to popular belief, short term loan lenders aren’t the extortion artists many believe they are. In fact, the typical payday loan lender doesn’t make a lot from loans. The profit margins are pretty slim. Lenders also have to find ways to eke out a living in conditions imposed on them by governments.

Hard to profit from a cash advance

Some assume lenders charging the fees they do would lead to outrageous profits. This is not necessarily the case. There was a study done by the auditing firm Ernst and Young of all the payday advance lenders that belong to the Financial Service Centers of America, a business organization of financial service providers. The Ernst and Young study found that for every $15.26 in fee revenue, only $1.22 was actually realized as profit, which is a profit of less than 10 percent. The average small loan from a cash advance lender is between $300 and $400, and the average fee is between $15 to $20.

Par for the course

Studies have been done on the payday lending industry for years. A lot of them have found a similar theme. A Fordham Law Journal study by Aaron Huckstep found that the profit margin among the payday lenders surveyed was less than 8 percent. Other studies of profitability put the profits of the largest of payday lenders (such as Advance America, EZCORP and QC Holdings) at 10 percent. A profit of merely 10 percent would certainly not support the surmised stereotype of payday store operators making money hand over fist, like vultures picking clean the bleaching bones of the poor.

Simple economics

Some states impose caps on fees. Rate caps are price ceilings. In order to break even or turn a modest profit, lenders have to come close to if not charge right at the cap. Since a $15 fee means just more than $1 of profit, a lender has to charge the legal maximum just to keep their doors open. You can read more facts and statistics in the payday lending report on Personal Money Market.

What is an online payday cash advance?

It is an online payday loan that can get cash advanced to your account within 24 hours of applying, in most cases. Generally, you can get this loan even if you have bad or poor credit.

What are the requirements?

• You must be at least 18 years old to apply for the loan
• Must be with a job for at least three months and still working
• Need a valid social security number
• Be a legal United States citizen
• A valid resident address

How much money can I get with an online payday cash advance?

You can get as much as $1,500, upon approval. On average, a person will get at least $1,000 when they apply for a payday cash advance online. If you need more than the typical two to three weeks to pay off the loan, speak directly with the loan agency that approves you. You may be able to set up a payment installment plan.

Can I get this loan if I’m still in college?

Yes. Even if you are in college, you can still have access to the loan. However, you still need to have a stable job and make at least $1,000 per month to qualify.

Where can I get an online payday cash advance?

You can apply for an online payday cash advance right here below this article. You should see a short application form that takes only a few minutes to complete. Once submitted, the application will be sent through Personal Money Market’s wide network of lenders, and you should get an answer thereafter.

Start your online payday cash advance application HERE!

A unsecured loan for bad credit

I needed an unsecured loan that required no credit check. I am working on improving my credit score, so I really didn’t need another inquiry on my credit report. I learned that one of the factors that negatively affects your credit score is how many times it is pulled and examined. While shopping for a loan, my credit score was periodically checked, which was OK, but credit checks done over a longer period of time can lower credit scores. Plus, I knew that most loans are reported to credit bureaus and that the more loans and the more I owed, the lower my credit score would be. Imagine my relief when I learned that the unsecured loan I found would not be reported to the credit bureaus.

And it just got better from there

My unsecured loan would be a payday advance that had these features:

• Typically no credit check
• No faxing required in most cases
• Fast, simple application that could be done in less than three minutes
• Apply from anywhere on a secure online site
• Response to the application in minutes
• Get as much as $1,500
• It’s an unsecured loan, so no collateral needed
• Money deposited in as little as two hours
• Payback the money as a short term installment loan.

Back on the road again

Even with bad credit, with one simple application, I was approved for a payday advance. I had the money within hours and my credit score wasn’t hurt a bit! I am working to build my credit score back up, and now I can pay that big unexpected bill and avoid missing any other payments. With the easy unsecured loan, I am back on my way to financial stability.

Start your unsecured loan application HERE!

I did an online search for a quick payday advance. It got my vet bill paid in full and on time! (Photo: Thinkstock)

I had only budgeted $250 for the trip to the veterinarian. Unfortunately, the bill came to $500. I have an ongoing battle with my bank because of its exorbitant overdraft fees and knew that wasn’t going to be an option for me. I could never figure out if they would pay the check and charge me the overdraft fee or bounce the check and still charge me! So I did an online search for a quick payday advance and found Personal Money Market.

A quick payday advance online

Minutes after I completed an easy three-minute payday advance application online, I was approved. Just hours after that, I had the money I needed deposited straight into my bank account. Taking an advance on my pay was the solution I was looking for.

The payday loan application was:

• Easy to complete on a secure online website
• Done without faxing of documents
• Completed without a credit check
• Approved in minutes
• Available as a short term payday loan or an installment loan

I will use a payday advance again, because:

• The payday loan application won’t hurt my credit score
• I can keep my credit score up by paying my bills on time
• I can have up to $1,500 in as little as two hours
• The process is simple and fast!
• I can use it to avoid bank overdraft charges, for my financial emergencies, temporary budget shortage, or for any other personal reason
• It got my vet bill paid in full and on time!

A quick payday advance can help you, too!

Is a payday advance right for you? One thing’s for sure, there is nothing like the feeling of being able to pay your bills. Now you can do it even if you are short of money, with the help of a quick payday advance. You can have your money fast with one easy, secure online application.

Start your online payday advance application HERE!

"PersonalMoneyStore.com helps people in our situation get payday advance loans in two hours or less." (Photo: Thinkstock)

To start off this little tale, I’d just like to say that payday advance loans are a financially wise choice for getting the help you need at the drop of a dime.

My name is Geoff. I have a beautiful wife named Sarah and two little girls, Alexis and Anna. We recently discovered how much we enjoyed boating. To get our hobby underway, the first thing we did was go to a used boat dealer. Why used? Because even though my pay isn’t bad, it’s not in the pay grade that buys a Catamaran. So we looked around and found several nice boats, but none that truly captured our attention.

Our summer sailing with payday advance loans

I never would have thought payday advance loans would come to our rescue. After looking through the newspaper ads, we then headed for a dealer on the other side of town. It was there that we spotted the boat for us. It was in a driveway beside a nicely manicured little home. An elderly gentleman sat on a vintage porch swing, enjoying the fruits of his labor while nursing a tall glass of lemonade.

The “FOR SALE” sign on that beauty called my name, so I pulled into the man’s driveway, where I was soon greeted with a warm welcome and a nice, firm handshake. We exchanged small talk after introducing ourselves and he asked what he could do for us.

I told him that the boat in his driveway is one of the most gorgeous boats we had ever seen, and I would love the chance to make an offer. He said that he was asking $4,500, but since we only had $4,000, he cut us a break. We thanked the kind man several times as he helped me hitch the boat to my old Chevy extended cab.

Off to the lake… or not.

After we left his house, we headed straight to a beautiful launch near our small Pacific Northwest town. I had my wife back up the truck and lower the boat into the water, as I was in the boat ready to start it up.

We soon realized the boat’s battery hasn’t been charged for some time. Being that we had spent every dollar we had except the girls’ college savings, our boating trip was moored in dry-dock. What’s more, I would not be paid for another 10 days, and summer was dwindling fast.

Where there’s a will, there’s a way!

Feeling dejected, we got back in the truck. Then a thought flashed through my wife’s brain. She mentioned that PersonalMoneyStore.com helps people in our situation get payday advance loans in two hours or less. I knew that was the answer to our problem! They got us the cash we needed in two hours; we got a new battery and finally closed the day with quality family time on the water!

Apply for payday advance loans | Start HERE

Payday loans are priced based on free market principles, yet some try to make invalid comparisons between cash advance fees and interest rates for home and auto loans. Flickr photo.

Interest rates are the issue that payday loan opponents rely on most often. Anti-payday loan activists compare interest rates on payday loans with the interest rates for other financial products such as auto loans or home mortgages. Payday loan opponents make these comparisons because it’s the easiest way for them to support their arguments. The truth isn’t so obvious. Payday loans, and everything about them, are so different from loans for cars or houses that putting them in the same category as longterm loans makes little sense.

Cash loans no credit check

Payday loans, payday loans online and installment loans for people with bad credit fill an important role for consumers. These types of short-term financial relief are available in so many ways because there is a big market for them. During the recent, historically severe recession and what is so far a weak, jobless recovery, more people than ever need convenient access to short-term credit for money emergencies. While the market creates the environment for financial options like payday cash advances, it also determines the interest rates associated with these products.

Payday loans: value vs. price

Payday loans are like any product or service traded in a free and open market. For a product or service to be sustainable, the market creates a delicate balance between price and value. These rules apply to the interest rates applied to any financial product, from auto loans to mortgages. As long as payday loans deliver value for the price,consumers will continue to use them. As long as it’s worthwhile for payday loan companies to offer short-term cash solutions, they will continue to offer them.

Short term loans and the free market

Banks and car dealerships will set interest rates in search of optimum levels of customers and profits. If business starts falling off, their rates may be too high and they adjust accordingly. But no bank or car dealership will set interest rates that make it impossible to remain profitable. Most people would consider it outrageous if the government forced banks or auto dealerships to do that. But strangely enough, that’s what anti-payday loan activists would like the government to do to payday lenders, even though such measures were recently rejected as part of the big financial reform bill.

Right price, right now

For example, let’s say a payday loan costs about $15 to borrow $100 for two weeks. For millions of payday loan borrowers, that fee is appropriately set, based on the purpose of the transaction. A payday loan is a short term financial solution that is paid off in two weeks. For a person in a financial emergency, it’s worth it to pay $15 dollars in the short term to avoid long term financial problems such as credit damage or repossession. Responsible payday loan borrowers understand that it’s worth the cost if the payday loan is paid in full at the end of the term.

Comparing apples to oranges

Payday loan opponents use that $15 per $100 ratio and apply it to unrelated financial products like auto loans and mortgages, which use an annualized percentage rate (APR). In this case, the APR on the $100 payday loan would be in triple digits if a borrower strung it out for a whole year. Listening to these arguments, politicians are proposing that APR should apply to payday lenders, and the APR on payday loans should be capped at 36 percent. While a 36 percent interest rate would seem unusually high for a car loan or a mortgage loan lasting many years, it’s not enough to support small, short term loans lasting two weeks.

Fair market price

Direct payday lenders would not be able to make credit available to their customers if they offered 36 percent APR. The Richmond Times Dispatch reports that at 36 percent APR, the total fee charged on a $100, two-week cash advance would be $1.38. At that rate, payday advance lenders could not cover the cost of originating the instant payday loans, let alone meet employee payroll, benefits and other business expenses, like rent. The fees on payday loans are largely determined by how much they cost the lender to offer them. Like any business, profit from the transaction must be part of the equation. Millions of satisfied payday loan borrowers agree.

It’s easy to get cash today

If you need to get cash today, skip all the hassles and added stress by applying right here, right now.

• Fast online application
• Typically no faxing
• No need to leave your home or office
• Up to $1,500 deposited directly to your bank account
• Credit checks generally not required
• Bad credit not a problem
• Installment loans for bad credit available
• In many cases, funds available in just two hours

There are lots of good reasons to get cash today

Medical bills, car repairs, appliance repairs, past due utility bills, overdrawn bank accounts, daycare expenses, veterinary visits and it’s someone’s birthday tomorrow. There are plenty of good reasons to get cash today, but the best reason to get a payday loan is that it’s just plain tough to make ends meet. When you get cash today from a quick payday advance, how you spend your money is completely up to you.

Get cash today and pay it back on payday

An unsecured personal loan can be an ideal way to clear financial hurdles. If you can pay it back from your next paycheck, a single-payment payday loan can be a real lifesaver. If you need a little more time to pay it back, an installment loan lets you make several smaller payments over longer period of time. And yes, there really are installment loans for people with bad credit.

Apply now for cash today

It takes just a few minutes to apply for cash today. If you’re like most people, your credit score has taken a few hits in recent years, but when it comes putting a little extra money in your pocket until payday, your credit score doesn’t really matter. If you’re older than 18 and have been employed for at least the last three months, chances are you can get the extra cash you need by applying right now.

Start here to get cash today!

A wide network of payday advance lenders

Personal Money Market has combined a wide network of some of the most respectable payday advance lenders in the industry. Everything is done online, which makes this particular set of connections one of the most reliable and convenient ways to obtain payday loans – fast.

How other payday lenders work

Most payday loan lenders are very particular about certain things, like your credit, for instance. If you have bad credit, you are automatically considered a “high risk borrower” that’s incapable of repaying a loan on time. But nowadays, just about everyone suffers from poor or bad credit. It’s difficult to maintain a decent credit history, especially now with the way the economy is going. So who can hardworking people turn to for quick payday loans in situations like this? Are there other options, like installment loans for bad credit? Who will be willing to step up to the plate and provide the help that every single one of us may require from time to time?

Payday advance lenders offering fast, no-hassle payday loans

You can get payday loans online without having to go through the traditional hassles of getting approved for even the smallest loans available. All the payday advance lenders in this network work together diligently to fund your need, regardless of credit problems you may have or your reasons for needing the fastest payday loans there is to offer.

So take advantage of this wide network of payday loan lenders. You don’t need a middleman to determine your eligibility for quick payday loans, nor do you need to worry any more about finding the right lender that fits you best. Just submit your application and let Personal Money Market do the rest. Don’t waste any more time!

Start your quick payday loans online application HERE!

Online payday advance lenders – fast and convenient

Payday advance lenders can be found easily online. Sites like Personal Money Market are designed to help busy, hardworking individuals find and obtain the financial help they need by eliminating the traditional hassles of getting approved for a payday advance. You can get the help you need, regardless of your credit score. Even better, particularly for those who suffer from bad credit, bad credit loans and installment loans for bad credit are also made accessibly available online.

You no longer have to worry about finding a payday advance store in your local area and then suffer the shame of waiting in line – in public – to apply for your payday advance loan (although, in reality, it happens to just about every one of us). If you need a fast payday advance for whatever your reasons are, seek the help you need from online payday advance lenders. It’s fast, simple, and convenient.

Wide network of payday advance lenders

Personal Money Market has combined a wide network of some of the most reputable online payday advance lenders around that offer different types of loan products – cash advances, installment loans, no faxing payday loans and even auto loans are provided. They make it easy to get approval, no matter the financial state you are currently in. How? With Personal Money Market’s wide network of payday advance lenders of course. It increases your chances of getting approved for a fast payday advance today, with just one application. Thanks to payday advance lenders, along with the power of the Internet, getting the financial help you need has never been easier.

Start your fast payday advance loan application HERE!

Bringing Americans under served by traditional banks the royal treatment

Based in Tustin, California, Cash Plus aims to treat their customers with respect and “go the extra mile.” That’s where their trademarked “Kings & Queens” service comes from: a desire to provide consumers with the financial services they need. Those services include payday loans, payday advance loans, check cashing, money orders, wire transfers and more (See www.cashplusinc.com/our_services_06.html). Kings & Queens service is geared to satisfy customers and stoke the desire to return and spread the word.

A diverse customer base

Nearly any payday loan company can provide the necessary data to counter claims that they prey upon at-risk fringes of society. That simply does not paint an accurate picture of those who are underserved by traditional banks. As Cash Plus reveals, the average income for their customers range up to “$70,000 and beyond,” and they are “ethnically diverse… trying to capture their piece of the American dream.”

Most don’t earn $70,000 per year, admittedly. Established families with steady employment use Cash Plus services. These families fall within the group that Cash Plus labels “55 percent of Americans who live paycheck to paycheck.” Making life easier for them during times of trouble is something in which Wells and the Cash Plus family take pride.

CashPlusInc.com analytics

Compete.com tells this story of the Cash Plus franchise: their online business is secondary to brick-and-mortar. January 2010 numbers indicate 1,831 unique visitors to the site (of 1,986 total visitors). Both figures mark a 60-plus percent increase over traffic from December 2009, however. While specific numbers are considered too small to gauge by Compete.com, top referral sources to CashPlusInc.com include citysearch.com, gamevance.net and, of course, google.com. It’s not so difficult to measure the top search terms that lead to the Cash Plus Web site. “Cash Plus” grabs 27.39 percent of traffic, while “money orders in San Bernardino” (20.39 percent), “money orders Burbank, ca” (14.23 percent) and the standby of “payday loans” (13.04 percent) round out the field

Want to be treated like a king or a queen? Try Cash Plus!

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Check Into Cash claims to have “pioneered the payday advance service.” What is certain is that the process consumers go through when they wish to apply for payday loans, cash advance or payday advance loans couldn’t be simpler. Fill out a quick application and receive a decision very quickly. If approved, you can receive the money via direct deposit (if you’re applying online) or in instant cash (if at a Check Into Cash store). To pay back the loan, all you need to do is write a postdated check – with a one-time, flat fee included – for the following payday.

Check Into Cash is “QUICK, EASY & CONFIDENTIAL”

When you need quick cash during an emergency, you don’t want to be inconvenienced. That’s where Check Into Cash (aka checkintocash and checkintocash.com) comes in with its three-sided promise. The application and funding process is quick, which eliminates the worry that you’ll be able to get the money you need in time. When you apply in person and are approved, the money comes in an instant. Online, it can happen in as little as a few hours.

It’s also easy to qualify and apply for payday loans, cash advance or payday advance loans at Check Into Cash. To qualify, you must:

• Have held your current job for a minimum of 90 days
• Be at least 18 years old (19 in Alabama and Nebraska) and a citizen or permanent U.S. resident
• Earn at least $1,000/month after taxes
• Have current home and work phone numbers and a valid E-mail address

What do you need to apply at Check Into Cash?

This is also easy. Make sure you have:

• An up-to-date pay stub
• State or federal photo ID
• Most recent checking account statement

Confidentiality is important

Whether you apply for payday loans, cash advance or payday advance loans at a Check Into Cash location online or in person, your sensitive information is protected with great care and professionalism. You don’t have to worry about identity theft with systems belonging to Check Into Cash.

Checkintocash.com stats from Compete.com

As a veteran of the payday loans industry, CheckIntoCash.com garners significant traffic. In December of 2009, 83,174 unique visitors came to the Web site, which is a 16.94 percent increase over the previous month. Overall visits totaled 101,451, which showed a similar 16.98 increase. The top three paths to checkintocash.com were Google.com (25.36 percent), checkintocashonline.com (19.96 percent) and Yahoo.com (7.85 percent).

What are people searching for that leads them to Checkintocash.com?

The leader and most obvious choice is “Check into cash,” which amounted to 34.33 percent of searches. “Checkintocash” (4.46 percent) and “advancepay” (2.62 percent) followed far behind.

Fortunately, you won’t be far behind if you need quick cash and apply for payday loans, cash advance or payday advance loans at Check Into Cash. Personal Money Market respects their place in the industry.

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Where should I get a payday loan?

There are hundreds of companies out there that specialize in short term loans, payday advances, and fast cash. When you need quick cash, it is important to remember that not every lender is the same. Remember to ask these three easy questions to ensure you get a payday advance that fits your needs.

How quickly will I get my money?

There are some payday lenders that might make you wait 24 hours or more while they manually verify your information – not an easy wait when you need a payday advance. Instead, work with lenders that can get you your money in as little as two hours and verify all your information electronically. This way, you get your cash quickly, often times without a credit check and without the need to fax paperwork back and forth.

Is my personal information safe?

Applying for a payday advance can mean providing all kinds of personal information. It is important that you make sure your lender protects your personal information with strong encryption (128 or 256 bit). Some online payday advance companies may not encrypt your information – so apply only where you know your information is protected.

How much should I borrow?

When taking out a payday advance, it is important that you borrow only as much as you can easily pay back on your next payday. Payday advances are designed to be used responsibly, when you just need an extra helping hand. If you need more money than you can pay back on your next payday, try getting a personal installment loan instead of a payday advance.

When you need money quickly, it is important to take an extra few minutes to find out more about the payday advance lender that you are choosing. Make sure that they can get you your money quickly, keep your personal information safe, and offer you only as much as you can pay back easily. If you are confident in the answers you find about your payday lender, you can be confident that your payday advance will go smoothly.

Need a Payday Advance? Apply Here!