The Application Process
The only thing you need to take care regarding this payday loan ...
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Quick Online Payday Loans
Do you need a fast loan with no credit check? Quick online ...
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What is a Payday Loan?
Technology has given a new meaning to our life. Gone are ...
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The Application Process
Quick Online Payday Loans
What is a Payday Loan?
FAQs

Help Below are answers to some Frequently Asked Questions (FAQ's)


How long does it take to get approved for a cash advance?

Most applications are approved within a few hours. If you meet all of our $500 payday loan qualifications, your payday loan application is complete, and all of the required documents are faxed promptly, the approval process usually takes 1-4 hours (during loan processing hours of Monday-Friday 8:30am-3:00pm PST). If your application is incomplete or if the required documents are not received, the approval process can take up to 24 to 48 hours. All required documents must be submitted promptly for faster service and verification. Our fax number at is available 24 hours a day/7 days per week.

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5 Common Misconceptions of Payday Loans
For many of us the thought of borrowing large amounts of money is scarier than going toe-to-toe with Mike Tyson during his prime. It gives us an uneasy feeling about not being able to determine our own destiny and becoming “slaves” to big banks or creditors. According to a recent study 48% of Americans live with the fear that their current debt loads may be too much and are living paycheck to paycheck.

But what happens in case of emergency when you can’t wait until the next paycheck, are payday loans something to be afraid of when used properly and in times of need? Our answer is a stereo blasting, window shaking NO! In fact to help educate people about cash advance loans we have compiled a list of 5 of the most common misconceptions of payday loans.

#1—Payday Loans Are Way More Expensive Than a Credit Card or Bank Loan:

First to be clear, a payday loan is not a long term loan nor was it meant to be. When comparing the penalties for overdraft charges, credit cards, or other bills a payday loan may be a smart decision. Especially if all of these charges are going to be coming out of your account at the same time with no available funds.

#2—Payday Loans are Unregulated Scams:

Every payday lender that provides secure payday loans online is regulated by state laws. They must strictly adhere to what are called OFT or Office of Fair Trading guidelines. These laws establish a limit that lenders can charge, even the way lenders operate their business is regulated by State laws. This helps people who don’t have access to other forms of emergency funds quick and almost instant access to resources they otherwise wouldn’t have available during times of need.

#3 – Cash Advance Loans Have Hidden Charges

The loans you get from your lender are completely transparent. There aren’t any hidden fees or secret ploys to rob you blind when you are already stuck between a rock and hard place. The representative helping you get the loan will describe all of the fees, interest rates, and any other charges that apply to your loan before you receive any money. Late fees and other penalties for lack of repayment will also be clearly stated before you agree to the loan. Making sure you understand what service we are providing and what your responsibilities are thereafter and making you feel comfortable about it is our primary goal. (Picture courtesy of CNN.com)

#4 – Getting a Payday Load Affects Your Credit Score

First to be clear, most online cash advance lenders don’t report to credit agencies. This ends up working in your advantage because if you miss a payment it won’t be reported on your credit score. However, this doesn’t mean you get a free pass. If you fail to repay your loan or make scheduled payments over a long period of time the lender will most likely turn the debt over to a collections agency and they would eventually turn that information over to a credit rating agency. Of course, if you just pay everything according to agreed upon terms you won’t have to worry about this anyways.

#5 – You Have to Make a Lot of Money to Qualify for a Loan

Nothing could be further from the truth. In fact, according to a government survey the average income of those getting loans make about $2,200 a month. This can help you while you are getting on your feet, changing jobs, just had a baby, or any other major event that disrupts your monthly income when you’re on a tight budget. Done right, short term cash loans are an excellent tool.