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Promoting the Responsible Use of Cash Advances Online

A cash advance Can Help you to Stay Financially Afloat

A lender can provide a cash advance, when someone is expecting a paycheck or other form of cash but needs a money advance now instead of on the scheduled pay date. This form of a payday advance loan is directly deposited into the borrower’s bank account quickly, making the money convenient to access.

Basics of a Cash Advance

Requesting a cash advance now is easier than applying for cash loans through a bank. Bank loans can take weeks, but online submissions for advance cash lenders are completed incredibly fast. The process only takes a few minutes, and the borrower gets advanced cash, even loans with bad credit, far sooner than with traditional loans.

General Terms of a Paycheck Advance Loan

Paycheck advance loans between $100 and $1,000 are available online. The fees for these loans range from $15 to $30 per $100 borrowed, depending on state law and other circumstances. The term of cash advance loans is usually two to four weeks, and the loan and fee must usually be paid back in one lump sum. If you need more time to repay the amount you need, check out installment loans as the lending option typically comes with longer repayment terms.

How to Select the Right Payday Cash Advance

Many payday cash advance online lenders allow you to roll a loan over to extend the payment date if you’re unable to repay it by the original due date, but you will pay another fee for the extension. If you need funds advanced right away, then a payday loan paycheck advance can be your lifeline as long as you know the terms.

If you roll an advanced cash loan over several times, then you will pay more for paycheck loans, making it harder to pay cash advances back.

While true financial emergencies may not give you enough time to shop around, the best way to select a cash advance is online, so as to compare costs if you have more than one advance lending option. For each lender, make sure that you know:

  • How much the fees are
    • What the payment date is
    • What the next step is if you are unable to repay the money on time

Compile this information before you agree to a payday advance loan. This allows you to make an informed borrowing decision. If you’ve decided that an advanced cash loan is your best choice, then be sure to:

  • Take out only the amount that you can pay back when you receive your next paycheck
    • Ask the lender what the APR is for your particular cash advance
    • Ask the lender how much you will wind up paying in dollars if you pay the money back by the due date

A Paycheck Advance Versus Traditional Loans

Paycheck advance loans have two unique features over traditional loans in that they are unsecured loans, and cash advance loans with bad credit are often approved. This means that someone of little means or with a poor credit record can be approved in the case of a financial emergency. Traditional loans usually come with a fixed or variable rate, and if you take one out, then you’ll be required to make regular payments until you’ve repaid the amount borrowed.

For many people, the problem with traditional loans is that you must have a good credit rating to qualify. Also, traditional lenders prefer to lend out large sums of money, so if you just need an emergency cash advance of a few hundred dollars to get by until your next payday, then a traditional lender may not be interested in lending to you.

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Common Uses For a Loan

  • Major Purchases
  • Home Improvements
  • Medical Expenses
  • Special Occassion
  • Maintenance & Repair

To Receive a Cash Advance Online

To receive a loan approval for a cash advance online, most lenders require you to be a U.S. citizen or a permanent resident. You’ll need to be at least 18 years old and employed for a minimum of one month. Some online advance cash lenders may require you to have a checking account and a driver’s license. You may even need a current email address.

Financial trouble like a bankruptcy does not disqualify you from applying for a payday cash advance, or a poor credit advanced pay day loan. Collateral is not required for advance cash loans, and most payday cash lenders accept applications without faxed documentation.

Use Paycheck Advances Wisely

Financially responsible people can use paycheck advances to save cash by avoiding late fees and overdraft charges. An advance cash loan ahead of your paycheck can also protect customers’ credit reports by allowing them to make payments on time.

When planning out your monthly budget, cash loan advances can offer an added cushion if there is no wiggle-room between income and expenses. When there is no room for error, having that credit available can offer added peace of mind, knowing that extra funds are there if you need them.

Don’t use a payday cash advance for unnecessary purchases. Save this emergency lifeline for the times when no other fast cash advance option exists. Fast cash advances can help you cover serious events like a car repair or a medical expense. Also, if you can repay the money that you borrow quicker than the payment date, then do so.

Take steps to start a savings plan. If you do, you can be your own emergency paycheck advance lender the next time you’re facing an urgent financial situation. If you’re seeking cash advance loans because of poor credit, then start working to improve it. Make payments on time and use credit sparingly. Over time, these steps could make more affordable credit available to you.

Are Paycheck Advance Loans Regulated?

Regulations for cash advance loans depend on the state. Some states have restrictions on the total amount you can borrow while others limit the amount of interest and fees that a lender can charge. Loan term limits also exist, so in some places, a cash loan’s terms cannot be longer than 14 days. In other states, terms are as long as six months.

The Consumer Financial Protection Bureau has issued federal laws to protect active duty military members and their families. The agency requires lenders to give these borrowers certain loan information like providing them with a clear description of the payment requirements. Most cash lenders also follow the best practices put in place by the Community Financial Services Association of America.

When you Need Advance Cash Fast

Emergencies happen, and here is where getting cash advanced fast can really help. Not all of us have the luxury of a large savings account upon which to draw when an unexpected expense throws a monkey wrench in our budget. Online paycheck loans can mean the difference between paying the rent or a car payment late, or making those all-important payments on time.

Online paycheck loans can be directly deposited into your bank account after you and a lender reach an agreement. It’s as simple as filling out a brief form online and a short wait for the funds to be deposited.

Don’t let unexpected expenses add unnecessary stress to your life. The solution is only a few clicks away.

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Online Cash Advance Loans Availability Increase Consumer Confidence

Online cash advance loans, also known as pay day loans, are available in almost every town. They can be found in small towns everywhere, across the whole country. In the most remote regions of the United States, people are discovering Personal Money Store for those unexpected financial emergencies.

Across the nation, consumer confidence is starting to increase, particularly in families who have found installment loans online. People who would rather avoid driving to stuffy banks or other lending institutions can simply surf to our website and uncover a new source of funds in their life, namely, advance cash.

Cash Advances Online Are an Underused Resource

Bad credit personal loans are available as cash advances online on this website. Trends are showing an increase in loans for bad credit for the entire nation as many consumers are finding out just how fast and helpful these financial tools are. Families every day are finding out the many benefits of having access to cash via quick cash advance loans.

There’s No Embarrassing Line at Personal Money Store

Today cash loans online are easier to obtain than ever and are super easy to get from the same website if needed again. Forget complicated mail-in forms and large credit card companies that turn you down for applying for credit too many times or simply for having just a few unpaid bills. A payday cash advance will not embarrass you. Everything is done online.

Families All Over the U.S. are Using Online Paycheck Loans

Online paycheck loans have a variety of uses in any economy. Having more funds available is highly desirable. Families are finding it useful to use this very loan type, because they are a wonderful backup access to credit when needed.

Have You Been Turned Down for a Bank Loan?

Because banks have started to turn people away for bad credit personal loans, a cash advance online loan is becoming a very popular option for having sustaining funds in the family checkbook. Our mission is to help families and single individuals obtain fast cash loans when needed.

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