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How to Find a Cash Advance Lender

Applying for cash advance loans is an increasingly popular method for Americans who need to come up with emergency cash quickly. If you’re looking for the best place to apply for a payday loan, you basically have two choices:

1) A local storefront lender

2) Online

A Storefront Business

You’ve probably passed a payday lender during your regular routines around town—either driving to work or running errands. Most towns will have one or more of these types of businesses. You can either stop in a random location and start asking questions, or look in your local yellow pages for the listing of payday lenders. Always look for lenders that prominently display their state licensing as well as those that might have endorsements from your local Chamber of Commerce or the Better Business Bureau.

The advantage of finding a local lender is that you will be able to speak with a representative face to face. Many people prefer doing their financial business this way, as it allows them to ask questions and possibly pick up extra reading material about the process.

If you decide to apply, you will need to bring recent paystubs, copies of your bank statement, and your Social Security number. You’ll also likely be asked to leave a post-dated check to cover your loan on your next payday.

Online Lenders

You’re other option is to apply online. The advantages here are convenience, speed and privacy.

Type “payday lenders” into your search engine, and you’ll find dozens of online businesses willing to give you a quick cash loan. Just like with your local lender, you’ll want to check out your online lender’s credentials. Even better, you can read through customer feedback on the lender’s website, or search online for any negative news about the company.

Applying is very similar to a storefront loan, but even more convenient. In lieu of paper documents, you’ll be asked to provide your employer’s name and number, as well as your bank routing number and account number. If the online lender is able to verify your information, you can be approved in less than one hour. The money is directly deposited into your bank account, and automatically withdrawn on the loan’s due date.

Do Your Research

Whether you choose to work with a local lender or online, it is vital that you check your lender’s accreditations. Always read through the entire contract—including the fine print—to make sure there are no hidden fees with your loan. As long as you do your research and take the necessary steps to protect yourself, using a cash advance lender is a great way to solve your temporary cash shortages.


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