What Are Payday Loans

The Application Process
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Quick Online Payday Loans
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What is a Payday Loan?
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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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What Are Payday Loans
Payday loans are essentially paycheck advances. Payday loan lenders advance funds in the instance of the loan recipient needing money to cover financial concerns until the next payday. These cash advance loans can be used for multiple purposes and can be taken out because of multiple reasons but the end result is the same - Quick cash for those in need of funding to get them through to their next pay check. Recent studies have found that a large number of payday loan recipients use their loans for a number of different reasons. And while the reasons and uses for getting a payday loan are different for each beneficiary, we’ve compiled a list of the most common uses for a payday cash advance.

Medical Bills and Emergencies

In a study conducted by The Pew Charitable Trusts, it was reported that 16% of loan borrowers used the payday loan for covering medical expenses and emergencies. Many borrowers find that a loan to cover unexpected medical bills and emergencies gives them peace of mind and the ability to securely pay off debts without affecting credit.

Unexpected Car Repairs

Cars break down, and to maintain a job, school schedules and other transportation needs, a car is a vital piece of a family’s well being. Many loan recipients use the resources of a quick cash advance to pay unforeseen car repair bills so they are able to get back to daily life right away.

Rent, Utility, and Food

In the same Pew Charitable Trusts, study is was found that 8 percent of renters whose yearly income was between $40,000 and $100,000 had taken out a payday loan at least once.

Payday loans offer security in putting food on the table as well as paying bills before falling behind. When the car breaks down or an emergency occurs, it can lead to limited funds for paying the rent, and that’s where a cash advance loan comes in. Whether used for the car, the bills or the rent, a payday loan allows the borrower to land on their feet.

Avoid Bank Overdraft Charges

Some bills can be paid with a direct withdrawal from a bank account but when unexpected expenses arise and remove the money within the account, it can cause overdraft fees and problems with the bank. Payday loans ensure the recipient will be able to avoid overdraft fees and continue to make payments on bills and other living costs.

When There is No Other Help

Although there are many more reasons to take out and use a payday loan, the last one we will discuss is the opportunity to have financial assistance when there are no other options. When low credit intervenes with bank loans and family members are unable to help, many people feel they have no other options and will sink into debt. That’s where payday loans can help. Payday loan lenders offer assistance when it feels as if there is no hope left. Cash advances can help borrowers overcome poor credit and pay bills on time.