Discover the Advantages of Cash Advance Loans

Meet Tom
Tom is an educated, skilled professional who lost his job when his company downsized to meet the demands of the recession. During his unemployment, Tom had savings to cover his mortgage and most expenses. But he used his credit card for other expenses like groceries, Little League fees, and school clothes for his kids.

Recently Tom was rehired, is happy in his new job, and last week was sent on a business trip to meet with one of his new clients. The meeting went well––that’s the good news. The bad news? Tom’s trip happened during a bad winter snowstorm, flights were delayed, and Tom was stuck an extra day in his out-of-town location. That’s one more night in a hotel, and one more day of food on the road.

Tom gets a travel per diem from his company, and he knows he’ll be reimbursed…but not until his next paycheck, which is a week away. He needs cash now to cover household expenses for the week ahead.

What Are Tom’s Options?

Credit cards are not an option, as he maxed his out during his months of unemployment. He doesn’t want to burden his parents by asking them for the money, not to mention the possibility of inviting family gossip into his private life.

Lucky for Tom, he had recently seen an ad for a payday loan vendor. He had never considered this option before, but he thought, “What do I have to lose?” So he went online to do some research, and what he found out surprised him.

First, he found dozens of online vendors ready to give him a quick cash loan until his next paycheck. He could easily compare vendor against vendor to find better rates and payment structure.

Tom Discovers a Quick and Easy Application Process

When he decided to apply, he filled out a simple online form asking for basic facts like his name, address, phone number and social security number. He also provided proof of employment with his employer’s name and phone number, as well as his personal checking account number. An hour later the lender had already verified his information, and made arrangements to deposit the money directly into Tom’s bank account. He would have the money he needed in hand within the next business day.

Tom’s short-term cash problem had found its answer. And repaying the loan was just as easy. Tom arranged for an automatic withdraw from his bank account on his next payday––when he knew the money would be there. He didn’t have to worry about writing a check on time, or forgetting to send it, thereby incurring unnecessary late fees.

Find Out How Payday Loans Can Help You

You may have a story like Tom’s. You may have one completely different, but for different reasons ended up in the same place—a hard working business professional who needs help through a financially difficult time. Take a lesson from Tom and research the advantages of a paycheck advance loan. It may be the answer you’re looking for.


Credit Tools

Avoid Debt Problems by Knowing How to Use Your Cash Advance Loan

Have you been reading lately about the downside of getting a cash advance loan? Maybe you know someone who got deeply into debt because they kept taking out payday loans to help pay off their last payday loan?

It’s true. If misused, quick cash loans can be a source of serious financial trouble. That’s all the more reason to educate yourself on how cash advance loans work, because if used correctly, these loans can be valuable financial tools.

Use Your Loan Responsibly

The first rule to remember is that this is a loan. You will sign a contract and will be legally required to repay the loan. When you apply for the loan, keep that fact in mind, and don’t borrow more than you need. When you receive the money, spend it on its intended use––medical bills, home insurance payment, car repairs––whatever your cash emergency is. But don’t use it for a shopping spree. Your money will be gone and your bills will still be there. If you don’t have the financial discipline to do this, don’t get a paycheck advance loan. It would be better for you to work out payment systems with whomever you owe.

If you receive a loan, you must be prepared to pay it back. The best way to do this is to arrange an automatic withdrawal on your next payday. You’ll be sure the money is there, and you won’t have a chance to spend it before your loan payment is made. If you can’t set up an automatic withdrawal, you’ll be asked to either write a post-dated check that will be cashed on your next payday, or be required to return to the lender to pay off your debt on its due date. Don’t neglect to do this. Making late payments, or no payments, on your paycheck advance loan will get you into deeper debt.

Understand the Math

As mentioned elsewhere, the guarantee you put up for a payday loan is your job and your bank account. This gives the company the assurance it needs to lend you the money. Just remember: the money you borrow will automatically be withdrawn from your bank account after a certain length of time. This is unavoidable.

You get a loan for $200.00 to be paid off in two weeks. Your lender is charging you a rate of interest at 250%, which they include in your loan as a flat fee. So now your payback amount is $250.00. If you fail to pay the loan back on time, your lender will charge you a $35 late fee. If the check you wrote doesn’t clear because you don’t have enough money in your account, you’ll also be charged a $30 insufficient funds fee from the lender and a $20 overdraft fee from the bank. Plus, your interest on the loan keeps accumulating. So, your original loan for $200.00 is now $335.00 and growing.

That is how people get into trouble with payday loans.

Practice Financial Discipline

To avoid that trap, take an honest look at your budget and your spending habits. If you find yourself perpetually short of cash, try to cut out unnecessary expenses, or possibly get a part time job to help out your finances. Paycheck advance loans are not intended to be long-term solutions for ongoing financial problems. If you feel you have bigger debt problems, it would be smart to seek the advice of a financial counselor. If, however, your finances are sound, but you have an unexpected expense that you need help with, than a quick cash loan just might be the financial tool you need.


Online Lenders

How to Find the Right Online Cash Advance Lender

You’ve been hearing about online payday lenders, and understand that by going online you can simplify the application process and take advantage of the competitive lending environment. But when you’re researching different online lenders, how do you know what to look for once you get to their website? Read below and take advantage of our tips.

1. Check the Lender’s Credentials

The very first thing you should do is verify the lender’s professional credibility. Check to see what state or federal regulations they abide by, and research their professional affiliations. You can usually find this in an About Us section, or in the small print details listed at the bottom of the home page. If the website has a Comment section, read through the feedback left by other consumers. In a separate window, type the lender’s business name into the search engine field. This should turn up any recent news about the company, including negative reports.

2. Verify the Loan Terms

The website should provide you with enough information to give you a basic understanding of what terms you’ll be offered. Bear in mind that terms and interest rates will vary based on the structure of the deal. Factors affecting this might be your salary, the amount you wish to borrow, and how quickly you can pay back the loan. If you have questions, don’t hesitate to call a customer service representative. A phone number should be listed prominently on the website.

3. Inquire About the Company’s Security Practices

Let’s face it. You’re providing a lot of personal information and you want to be sure it’s protected. If the website doesn’t provide it, call the customer service line and ask about:

• Their data encryption practices
• What online security measures they take to protect your stored data
• How many people will handle your information
• If they sell your personal information to other businesses

If you are not satisfied with their answers—walk away.

4. Ask Anything Else You Can Think Of!

As we pointed out earlier, the online lending business is very competitive, and each lender offers different incentives to try and win your business. If you have any questions or uncertainties about what you are being offered, don’t hesitate to ask. If you can’t find your answers on the website’s FAQ page, call the customer service line. They are there to answer your questions.

Once all your questions are answered, and you feel comfortable with the lender, go ahead and apply for the loan. You’ll find the process easy and quick—sometimes taking little more than an hour to receive approval. Once you’re approved, the money will be deposited directly to your bank account and immediately accessible for your quick cash needs.


Credit Options

Understanding Your Credit Options

As modern consumers, we all encounter situations that require us to borrow money. Fortunately, there are several financial tools at our disposal. Knowing what credit option is right for each situation is essential. That’s why it’s important to educate yourself on the pros and cons of each of these financial tools.

Credit Cards

• Easy to use
• Great for incidentals, retail shopping, one-time expenses

• Must have good credit to be approved for a card
• Many cards charge high monthly interest rates
• It’s easy to spend more than you have, since you never “see” the money.

Credit cards are an undeniably convenient consumer tool, but it’s easy to accumulate debt that you are then charged high interest on. If you use a credit card, it is important to try to pay your amount in full each month, which requires financial discipline.

Conventional Bank Loans

• Great for big purchases like cars, education tuition, or home investments
• Provide a structured payment system that can be budgeted and paid off over a longer period of time.

• Must have good credit to be approved
• Involves lots of paperwork and a lengthy application process
• Usually involves providing collateral to secure the loan

Conventional loans go by many names––personal loans, car loans, home equity loans—and more. A bank loan can be tailored to almost any need. They are a great tool for financing life’s big purchases. Unfortunately, the recent banking crisis has limited the amount of credit being extended from banks, and it’s harder and harder to qualify for this type of loan.

Cash Advance Loans

• Easy to qualify
• No credit check required
• Quick application and approval process

• High interest rates
• Defaulting on a loan can create serious debt problems

Payday loans are a great tool for emergencies and cash flow problems. They are intended to be a short-term solution for smaller loan amounts. Although they come with high interest rates, due to the short timeframe of the loan this typically is not a problem unless you default on the loan. Protect yourself by budgeting carefully and having the loan amount paid by an automatic withdraw from your account on your next payday.

A Credit Tool for All Seasons

At different times in our financial journeys, each of us might use one or all of these credit options. Knowing the right one to use for the right situation will help you become a confident and savvy consumer.


What Are Changes

A Tool for the Modern Consumer

Get Educated on How Cash Advance Loans Have Changed

You’ve probably heard of a payday loan as a way to cover the gaps between paychecks. But if you find yourself short of cash, you might be hesitant to think of it as a valid tool for your situation. If you’ve heard bad things about cash advance loans, chances are you are getting old or even false information. The truth is, quick-turnaround loans have changed a lot in recent years.

Rethinking Quick Cash Loans

Because they have sometimes been misused by consumers, and at times offered by less than reputable lending companies, payday loans have gained a bad reputation—a last chance tool of the financially desperate. But times are changing. And more and more people are realizing that quick cash loans have become an acceptable option for all modern consumers.

It’s smart to think of these short-term cash advances as personal bridge loans—because that’s essentially what they are. You are borrowing from your future self with the help of an intermediary. The lending company covers your cash shortage for a short period of time—usually until your next payday––and then you pay them back. You’ll pay a flat finance fee when you accept the loan, but this is all done up front, and if you pay on time the contract ends when you make payment. No strings attached. No tricks. No ongoing commitment.

Take Advantage of Technology

Many of the consumer protection advancements have come about because of technological changes. Online banking has helped minimize the pitfalls that consumers used to fall into. You can still apply for a loan at a storefront location, but you can also do so from your personal computer, giving you many advantages.

For one, you can comparison shop. Being online means you can quickly search for fast cash lenders, compare their rates—and most importantly—check their credentials in the lending community, such as proper state and federal licensing, Better Business Bureau endorsements, Chamber of Commerce membership, etc. Perhaps even more pertinent, you’ll be able to read reviews from other consumers. If other clients have had bad experiences, you’ll know about it.

Online lending also gives you the options of direct deposit and automatic withdrawal. If you are approved for a loan, the cash will be deposited directly into your bank account. You can withdraw it from your personal bank or any ATM. When you set up direct deposit, you can also set up an automatic withdraw. So if your loan is due on your next payday, the money can be withdrawn when it’s due, helping you avoid late fees. This also helps you avoid the mistake of spending your money on something else before you remember to pay your loan.

Be Realistic About Your Financial Needs

If you know upfront that it may take you two or three paychecks to pay back the money, let your lender know. Many of them will structure a multi-week loan so that you still have money to cover your ongoing expenses while paying back your loan. You may pay more in financing fees, but it will likely be less than paying fines for insufficient funds or late fees.

If you’re worried about the pitfalls of quick cash loans, put your worries to rest. Find a reputable lender, be honest about your ability to pay and set up a lending structure that works for each of you. Then have your payment automatically withdrawn each payday the loan is active. If you take these steps to protect yourself, a payday loan is a convenient and easy way to get through life’s emergencies.


Before Applying

Choose a Cash Advance Lender in 5 Easy Steps

Despite what you’ve heard about a weak economy, dried up lines of credit, and increased obstacles to receiving a conventional loan…a cash advance loan remains a very attainable and easy-to-qualify-for financial tool. In fact, the payday loan industry is very competitive, and as the consumer, you can use that to your advantage. Remember, cash advance loan applications and approvals are designed to be fast, so even if you need cash quickly, you don’t have to be desperate. Take your time, follow our advice, and get the best deal possible.

1. Search Online

Technology has created a more equitable playing field when it comes to quick cash loans. An easy online search will reveal dozens of companies vying for your business. Take the time to read through their “small print.” While you might not be able to determine the exact fees of your loan until you apply, you should be able to get a feel for what interest charges and financing fees might apply, as well as any late or renewal fees that take affect if you can’t pay the loan back on time. You should also be able to determine what payment scheduling terms the company is willing to offer. Doing research online also allows you to read through feedback from previous customers, as well as any negative consumer reports that might appear on your search engine results.

2. Choose the Amount You Need

The golden rule of a paycheck advance loan is to only borrow the amount you need. Payday loans are usually based on your salary, and many companies will loan you as much as an entire paycheck. But just because you can, doesn’t mean you should! Repeat this to yourself: Only borrow as much as you need. Don’t tack on “extra” cash just so you have a little spending money in your pocket. Remember that everything you borrow must be repaid, and the quicker you can repay it, the lower your financing charges will be.

3. Choose a repayment plan

Do yourself a favor and consider your monthly household budget when applying for a quick cash loan. It’s easy to only focus on the here and now…and right now you just need an extra $200 to pay that winter heating bill. But what happens when you pay that with your quick cash loan, and even more bills are waiting to be paid. Be realistic. If you know you can’t meet your financial obligations as well as payback the loan with one paycheck, arrange upfront to spread your payments over two or three pay periods. You will pay more in interest fees upfront, but doing so helps you avoid more expensive late fees from the lender, or insufficient fund fees from your bank.

4. Pay on time

If you can do yourself one favor when using a paycheck advance loan, it is this—pay on time. If used correctly, a payday loan will get you through your cash emergency with no ongoing obligations attached. You pay it off quickly, and you go on with your usual financial routine. But if you don’t pay that loan off on time, your problems deepen. If you default, you will incur late fees, increased financing fees, and possibly insufficient fund fees from your bank if the lender tries to withdraw your payment and the money isn’t there. A $200 loan can quickly become a $300 loan or more. Avoid this financial trap by budgeting wisely, controlling your spending, and paying your debts on time.

5. Read the small print

Agreeing to a payday loan is like signing a contract, and you are obligated to meet the demands of that contract. To protect yourself from any hidden agendas or fees, read the small print. Before you ever agree to take money from a lender, read and understand everything in the contract that you are signing. If you have questions, ask. If you don’t get a good answer, move on to another lender until you are satisfied that all your questions have been answered and your concerns met.

Remember, you are the consumer and you have the right to seek the best deal possible. Follow these five, simple steps when applying for a cash advance loan, and you’ll easily pay your bills while avoiding any long-term financial problems.


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    How It Works

    How to Make Cash Advance Loans Work for You

    We all know someone who has gone through economic difficulties in the past decade. In fact, most of us have. And that financial reality has made us all consider new, untried financial tools.

    One of those tools is the cash advance loan. These loans are a viable financial option when you need cash quickly for any unforeseen crisis. Unfortunately, this financial tool, more than others, has received an unfair reputation. Many consider it a last chance loan for the financially desperate…a path that will take a consumer into deeper and deeper debt. But that reputation is unfair.

    All Financial Tool Options Have Limitations

    In truth, any financial tool can be misused, and all plans have their pitfalls. Take a look back at the last decade and consider this common scenario. Someone was laid off from a job, or their salary was reduced. The paychecks stopped, but the bills didn’t. Credit from banks dried up, and as a result, people often defaulted on their mortgages or other personal loans. To pay bills, they maxed out their credit cards or borrowed money from family, often fraying relations when the money couldn’t be paid back.

    None of these scenarios is the fault of the financial tool. It was just a matter of the user getting caught in an economic reality that offered few options. The same could be said about cash advance loans. Certainly there are those who have misused these loans, or who turned to them as a means to get through hard times and then couldn’t pull themselves out of it. But if used correctly, these loans are an excellent option for coming up with needed cash, quickly.

    Use the Payday Loan Correctly

    The most important thing to remember is that quick cash loans are intended for smaller amounts of money that can be paid back quickly. They are excellent tools for those small financial emergencies that pop up in everyone’s lives—unexpected medical expenses, car repairs, or back to school shopping for your kids. These are all unbudgeted items that occur in a normal life. If you’re caught short of cash, this type of loan is a great solution for paying your bills with very little hassle.

    Simply find a cash advance lender and apply for a loan—usually this involves filling out a short application and providing proof of employment and a bank account. Most lenders can give you an approval within two hours, and the loan amount can be directly deposited into your account within one business day. The Internet has made this process even easier. You can search online for quick cash lenders, compare rates, fees and options, and apply online without ever having to leave your home. When you arrange to have money deposited into your account, you can also schedule an automatic withdrawal from your bank account on the day the loan is due. This way you never default on the loan, thereby avoiding late fees and higher interest rates.

    A Short-term Debt with Big Benefits

    Quick cash loans allow you to avoid long payment commitments. Borrow only as much as you need, and arrange to pay it back as soon as you can, ideally within one pay period. You can meet your financial obligations, and get yourself out of debt quickly. If you have a financial emergency but find yourself short of cash, a payday loan may be the answer you are looking for.




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    Fact Vs Fiction

    Fact vs. Fiction—The Truth About Payday Loans

    As consumers continue to research alternative options in uncertain economic times, it’s inevitable that the myths about some financial tools will be disproved. The myths about payday loans are among these. Cash advance loans are often disparaged as a “last resort” in economic hard times. But in reality, they are an excellent solution for covering any unexpected expense. And let’s face it, financial emergencies happen in both good and bad times. Take a look at the five common questions about quick cash loans listed below. Arm yourself with the facts, and decide for yourself if a paycheck advance loan is the right financial tool for you.

    Aren’t Cash Advance Loans for those who don’t qualify for any other type of loan?

    Not necessarily. While it is true that these loans are available to those with bad credit, or no credit at all––those who might be denied a conventional loan or credit card offer––it is also a viable financial tool for those with perfect credit.

    A paycheck advance loan is designed for small amounts of cash that can be repaid quickly. So anyone facing a short-term cash flow shortage could take advantage of a quick cash loan to get them through a financial tough spot.

    Won’t applying for a Cash Advance Loan ruin my credit rating?

    Applying for a quick cash loan will NOT ruin your credit rating. Cash advance lenders do not conduct credit searches, so applying for a loan will have not bearing on your rating. On the contrary, if you do have a damaged credit rating, applying for and paying off your quick-cash loan on time and according to the terms will help improve your overall credit history.

    Don’t these loans come with high interest rates and hidden fees?

    It’s true that these loans come with high interest rates. The nature of the loan requires this. Remember, your lender is not doing a credit search on you, nor is it requiring any collateral. They are taking a risk in lending you money without a thorough knowledge of your financial history. Higher risk equals higher rates. Also, because these loans are for short periods of time, the lender must make its money on your loan quickly, so higher interest rates are charged.

    As far as “hidden” fees, it is your obligation as a consumer to read the contract you are signing. A lender has the right to charge you late fees or additional finance fees if you renew the loan. They should not, however, tack on extra, superfluous fees that have nothing to with the money you are borrowing. If you are not sure about the wording in a contract, ask questions. If you are not satisfied with the answers you receive, move on to a different lender.

    Interest rates and fees vary by lender, so it is important that you read through your loan agreement thoroughly and that you understand all the terms you are obligated to fulfill.

    Don’t people go into more and deeper debt when they start using these types of loans?

    If used properly, you will be able to borrow the money you need, and pay it back within one or two pay periods. As long as you pay the loan back on time, you will not face additional fees, and should not incur any additional debt.

    As with any other type of loan or line of credit, additional fees will apply if you pay late, or don’t pay the entire amount due on time. Doing so will result in additional fees and higher interest rates that could impair your ability to pay back the loan. These financial practices will get you deeper into debt, but the same can be said about a conventional loan or a credit card.

    Isn’t the application process intrusive?

    Not at all. In fact, a payday loan is one of the easiest types of loans to apply for. You will not be subjected to a credit check, nor will you be required to provide collateral. The only requirements are that you are employed and have a bank account.

    When you apply, you’ll be asked to complete a short application form, to provide proof of employment, as well as a personal bank account number. If you can provide these, you are almost assured of being approved for a quick cash loan. As an added convenience, you get to do all of this from the comfort of your own home.