It happens to everyone at some point in their lives. They need a cash advance because an unexpected expense came up, but they are like most Americans, and they don’t have an emergency savings account. They are working, and they are going to receive their next paychecks in several days, but they need the money right now. They need a payday advance, but they don’t believe that their bosses will agree.
Our Lending Process
If you are in the situation described above, you can obtain instant cash from an online lender in a matter of days. You might have a low credit score or no credit history, but this will not keep you from getting a cash advance. Traditional lenders will ask to perform a credit check before they will approve you for small dollar loans, but we are different.
We aren’t interested in your credit history, and we will not ask you how you got into the financial difficulties that you are experiencing right now. If you are working and earning a paycheck, we have loan products that are available to you.
It is true that if we do a credit check and find that your credit scores are excellent, we will offer you an interest rate that will be extremely low. If you have average credit or even poor credit, we can still help you out with a payday loan, but we will need to charge you a higher interest rate.
The fact that your interest rate is high will not necessarily mean that you cannot afford the cash advance. Our loan products are meant to be repaid in 30 days or less, so you will only need to pay interest for that amount of time. When people accept a payday advance for an amount that they cannot repay with their next paychecks, they are forced to extend the loan’s terms, and this causes the interest to increase. That’s why we only approve you for small dollar loans that you can easily repay after you receive your next paycheck.
How Do You Apply?
Qualifying for a cash advance is easy. You must have full-time employment and a checking account. You must be a U.S. citizen or a legal resident, you must have a telephone number, and an email address. When you submit your application, we will review your data and give you an answer in about 15 minutes. Then, we will review our terms and conditions with you so that you can decide whether or not you would like to accept the loan.