Posted in fast payday loans

Might fast payday loans be an option for you?

If you have experienced financial problems in the past, it can be easy to consider yourself as excluded from getting credit in the future. But this may not be the case with fast payday loans.

Who are payday advances for?

In the last couple of years a new type of lender has emerged onto the personal finance scene that may be worth a look. Offering a form of cash advance until your next payday, these small amount loans are specifically geared towards people who need a quick, temporary cash injection into their finances. Fast payday loans may be available to people who are over 18, permanently resident in the United States, in full time work and have a bank account that accepts electronic transfers and comes with a debit card.

The identity and credit checks that are carried out by payday lenders typically happen electronically, which may mean that the results are available quickly. Not everyone who applies for a fast payday loan may be accepted. However, given the small amounts involved, you may find that payday lenders may be more prepared than others to offer credit to those with less than perfect credit histories.

What are payday loans for?

Refreshingly, payday lenders may typically let their customers spend their cash advances on whatever they please. As long as the agreed amount is repaid in full when the appropriate time comes, payday lenders may not be interested in what the sum is spent on.

Accordingly, payday loans may be used for emergency bills like car repairs, paying off urgent utility bills when the reminders have turned to red, putting down a deposit on a holiday or another large purchase, taking advantage of discounts in sale + simply getting your family through until payday.

How do you pay them back?

If you thought that fast payday loans were easy to obtain, you may be pleasantly surprised to learn that they are even easier to pay back. In most cases, all you have to do is make sure that you have the funds in your bank account when your next pay day comes around. The lender may then deduct the outstanding amount automatically.

Posted in halloween, online payday loans

Need a Halloween costume for the kids? Consider online payday loans

What happens when the kids want a Halloween costume when you just can’t afford one? You can give them all the answers you want about not fitting in with the household budget and needing to pay the bills first. But you must be able to remember what it felt like when everyone else at school had something that you did not. Could online payday loans be a solution?

Online payday loans have a variety of potential uses (PDF), which may include emergency or unexpected bills, buying enough food or petrol to last until payday, topping up your electricity key, last minute purchases like Halloween costumes!

Quick application process

Of course, in an ideal world you would be able to whip up a witch or wizard suit on your sewing machine in a spare evening. But these days parents are so busy balancing work and family life that these things get missed out.

If you decide to go for a cash advance to bridge the gap, you may be pleasantly surprised at how quickly you may be able to fill the form in. In fact, many payday lenders may typically operate online and may not even require any “hard copies” of any paperwork.

Not only does this make the process quick and easy for you, but it is also environmentally friendly.

Quick delivery of funds

Like any loan, no one is guaranteed to be accepted. But given the relatively small amounts of money involved, you may find that payday lenders may be more accessible to people who have had credit problems in the past than traditional lenders.

If your application is accepted, you may be pleased to learn that the funds may be in your account before you even have a chance to check your balance.

Now the only thing you have to decide is which Halloween costume to buy!

Quick repayment

Part of the attraction with online payday loans may also be that they may typically be repaid quickly. There is no need to have the loan hanging over you for years. Accordingly, you may be able to clear the loan in November, when you may wish to start planning how to pay for your Christmas presents.

Posted in no fax payday loans

The advantages of no fax payday loans

Don’t you just hate paperwork? If you do, you may be relieved to hear that there are typically no hard copy documents, no posting and no fax payday loans. As long as you have a permanent USA address, a payday lender should be able to confirm your identity electronically in a matter of seconds.

How can it be so simple?

There is no faxing with payday loans because the lenders typically accept applications electronically so not only is there less hassle, but it is better for the environment as no paper forms are needed. Payday lenders’ questionnaires may typically want to know about your name, address, debit card details, date of birth and your job.

Why do lenders need to know about your job?

To decide whether you are eligible for a payday loan, a lender will generally want to know: how much you earn, how often you get paid (e.g. weekly amounts), which day of the month your regular payday falls on.

Unlike regular unsecured lenders, payday cash advance companies may not do full, in depth credit checks but instead may opt for simpler, speedier ones. Not only may this make their service quicker for customers, but the shorter checks may also be more “forgiving” for borrowers with bad credit history.

What are payday loans for?

Given that payday lenders may typically not even ask why you want to borrow the money, you may typically use the funds for whatever purpose takes your fancy. Some payday customers may want to make a largish purchase before their wages arrive, whilst others may really need the cash injection to pay urgent bills.

How much can you borrow?

The answer to this question may depend on how much you earn and what your credit score is. No fax payday loans may typically be in the region of $500 to $1000, although payday lenders may vary in the ranges of sums they offer. If you repay the advance on time, a lender may be prepared to lend you a higher sum on your next application, as their level of trust in you as a customer builds up. However, do note that payday loans are not designed for regular use, which could be indicative of a debt problem.