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Cash advances are among the most common types of short-term loans. A cash advance loan offers immediate access to funding on short notice with no paperwork or waiting and minimal credit requirements.
About 12 million people in the United States use some form of cash advance each year. When you apply for a cash advance loan online through the Paydayr website, you’ll find lenders that offer entirely paperless transactions and approval in a matter of minutes. This quick and simple online loan process means; no printing, no scanning, no faxing, no paperwork or added hassles, just a fast cash advance.
Why Get a Cash Advance Online?
The most common reason to get a cash advance is to cover for a financial shortcoming. If used appropriately a cash advance can save you time and money. The average bank fee for a bounced check or late bill payment is about $30, and if an account is overdrawn or already behind on payments, this can compound the problem, resulting in potentially hundreds of dollars of fees in as little as a single day.
Plus, even a single bounced check or missed payment can cause the closure of your account, prevent you from opening new accounts in the future, damage your credit rating and even result in legal action being taken against you. A cash advance, can prevent this problem from ever occurring, by ensuring that you have the money you need to cover any outstanding checks or bill payments, in as little as one hour. In the future, you can avoid these situations by monitoring your accounts on a regular basis for any unexpected charges or checks that haven’t cleared.
Cash Advance Requirements:
- One or more stable sources of income.
- An active checking or savings account.
- Be at least 18 years old.
- Provide valid contact information.
Cash advance loans are always available at a moments notice, but it’s important to use them responsibly and only as needed. How much money you can borrow and how frequently you can get cash advances depends on your financial situation and your ability to repay the loan.
Every lender has their own policies, which will vary from one lender to the next, but typically you’ll be offered up to $1000, dependent upon application criteria, and you’ll only be permitted to take out one loan at a time from any given lender. It’s best to consider your needs first, and only borrow what you feel is necessary, but also enough to cover your expenses until your next payday, to avoid having to take out another loan.
Cash Advance Facts:
Confidentiality and privacy are top priorities for online lenders. When you apply for a cash advance, you’re information is processed securely using industry standard encryption, and handled with complete confidentiality between you and your lender. You’re information is never shared with any third-parties beyond those named in the terms provided by your lender.
Unlike big bank loans, there’s no collateral required when taking out a cash advance loan online. As long as you’re employed or have another source of regular, verifiable income, you can be granted a cash advance without the need for any form of collateral.
It’s important to repay your cash advance on time to avoid unnecessary fees. Usually a cash advance will need to be repaid on your next payday or after a term of two to six weeks, though there are many different types of loans and accompanying terms, which are set by each individual lender.