Category: money

Eco-friendly quick cash loans

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Quick cash loans (also known as payday loans up to 30 days to repay) are not only convenient but they may even prove to be eco-friendly. Here are some things you may not know about them:

– they are a form of borrowing providing fast access to, typically, smaller loan amounts of between $100 – $5,000 (although more may be available depending upon the circumstances);

– from initial application through to the cash advance arriving in your bank account (if it is approved) may take as little as 2 hours in some situations;

– when your next payday arrives, the payday loan provider will typically debit your bank debit card to recover, in one go, the original amount plus their previously agreed costs and charges;

– as the monies are quickly repaid and are for typically smaller amounts of money, some providers may be less concerned about some forms of credit history problems than other lenders;

– eligibility requirements are typically not too demanding – generally you will need to be in permanent employment and receiving a regular salary, aged 18 or over, resident in the US and have a US bank account and bank debit card;

– the money may be used for any purpose you wish – providers are typically not likely to ask for an explanation as to the purpose of the loan or copy invoices etc.;

– note that although the emphasis with loan till payday is on flexibility, responsible lenders will always advise that they are not a suitable mechanism for trying to consolidate debt nor should they be used to try and supplement your regular income if you find that you are unable to meet your normal monthly outgoings from your normal monthly pay;

– the entire process from application, through to money transmission (if your application is accepted) and eventual repayment, may be able to be conducted entirely online – something that avoids postal delays, multiple signatures and the unnecessary generation of paper (which helps keep trees intact);

– once you have repaid your quick cash or payday loan (the two descriptions essentially relate to the same product) you will be free to apply for further loans, as and when you need them;

– quick cash loans may prove to be extremely useful in coping with the odd crisis – finding out more might be a good idea.

Categories: lenders loans money

Grabbing a bargain with payday advance loans

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On your way home from work you may have spotted a special offer that caught your attention. Perhaps it was your dream holiday destination at an “in your dreams” price – if you can find the deposit now. Payday advance loans may allow you take advantage of bargains like these, which may only be available for a few days.

True bargains do crop up every now and then. Being able to take advantage of them can make a big difference, particularly when times are tight. If they happen at a time when you also have some money in the bank then all is good and well.

If payday is still some time off though, using payday advance loans may be an alternative.

If you are over 18 and have a job, then you can apply for one of these cash advance loans and if your application is approved, the money could be paid to you in as little as a couple of hours.

To take advantage of this type of fast service you may also have to have a bank account which has a debit card attached. You may typically also be looking to borrow an amount of money that you can comfortably afford to repay in one instalment.

The first step is to decide how much you want to borrow and for when (your next payday or possibly the one after that) you want to pay it back. At this stage, you may typically also see just how much interest you would be expected to pay for a loan of your chosen duration.

After you provide some personal details about you, your job and income, a fast credit check is typically carried out.

If your application is accepted, then the loan funds may be credited to your account in a couple of hours if your bank can accept these types of transfer, otherwise the money will typically arrive the next working day.

The repayment is carried out using a debit card transaction scheduled to happen automatically on the date you opted for during the application.

Payday advance loans can provide you with a quick cash injection to overcome a short term cash flow issue. They could make all the difference to being able to act quickly to grab a bargain.

Categories: loans money short term

Just how instant are payday loans?

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The speed with which you can get payday loans (after having been approved) depends to some extent on the bank account that you have.

With some types of bank, the loan transfer can take as little as two hours. With others you may have to wait until the next working day.

If you combine this with the fact that you may typically be able to apply via a short online payday loan application which involves no paperwork, have a short online credit check carried out, receive an almost instant decision on your application, then the whole process could take only a few hours, rather than the days or weeks that you may be more accustomed to with other more traditional types of lending.
This speed is a feature that may be useful if you find yourself in a situation that needs to be resolved quickly.

Payday advances don’t just have to be used as a remedy for a crisis. You may have forgotten your anniversary or someone’s birthday, walked past your favourite shop to find that their closing down sale finishes in a couple of days, seen your dream holiday on offer at an unbelievable price but only if you can put down a deposit now.

All of these are perfectly usual reasons for fast payday loans, particularly if payday is still some time away.

Take the same request to your bank manager and you may expect to receive a less than enthusiastic or affirmative response. Traditional lenders may not be set up to deal with requests for loans of small amounts of money for relatively short time periods.

Borrowing money that you want to pay back when you next get paid is typically not their market. By the time all the forms are filled in, signed and countersigned, you’d have paid the loan off.

A super fast payday loan may be just what you need when something crops up (nice or nasty) and payday is still some time off.

Payday loans can provide a short-term cash injection that is paid to you and then repaid quickly along with interest and any admin fees. There’s no long-term debt to bother about. There’s no repayment schedule stretching out years into the distance. They may be just what you need.

Categories: lenders money