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Prepare for the Worst With a Quick Cash Advance Loan

November 24, 2011

If you’re sensing disaster on the horizon, it might make sense to prepare yourself. Having a bit of extra cash on your hands when something bad hits your plate can really help you respond better to the situation.

Quick cash advance loans can be a great way to help you do this. These loans can be processed in under 24 hours, giving you all the money you need to deal with life’s emergencies.

A Little Padding Doesn’t Hurt

If you’re going through major transitions or major difficult situations in your life, having a little padding can’t hurt.

For example, if you’re moving out of your old house but you’re tight on cash, you might be a little worried about unexpected expenses coming up. What if the mattress needs to be replaced? Or if a pipe in the new place needs to be fixed, but the landlord doesn’t cover it?

In times like that, having some extra cash on hand can really help. Instead of having to wait until your next paycheck, you can get the money now with a quick cash advance.

Is it Worth Paying for the Safety Net?

It depends on how likely you think you are to need the money. A cash advance loan costs between 10% and 20% of the money you take out. For example, at a 15% interest rate, if you borrowed $300, you’d need to pay $45 in interest.

You need to look at how likely you are to need the money, how bad it would be if you didn’t have the money and much the quick cash advance costs. Often time’s people find that even though they have to pay a little bit of money to have the cash earlier, it really makes sense as it helps protect them against potential mishaps and disasters.

How to Get a Quick Cash Advance

Getting a quick cash advance is actually quite simple. All you need to do is go online, find a lender, fill out the application, accept the terms and get the money.

The whole process takes less than 2 hours. Between filling out the form and actually getting the money wired to you can be just hours. If you think you might need the cash in the near future, why not stock up and prepare yourself for the worst? The small fee you pay is often better than not having the money when you need it.

Quick Cash Advance, No Interview Necessary

One of the worst parts of getting a cash advance is having to face someone and explain why you need the money. You need to talk about why you don’t have the cash and why you couldn’t get it any other way. In short, you need to admit to someone face to face that you don’t have enough money.

A lot of people choose not to get a quick cash advance simply because they don’t want to have to go through this kind of interview process.

Even with online or long distance advance loans, you used to have to get interviewed over the phone. Though that’s not as bad as being interviewed in person, it’s still quite a hassle.

Fortunately, today you can bypass this entire process. That’s right – You can have your whole application reviewed and have your account funded without ever talking to another human being.

Today’s Applications Are Based on Numbers

Instead of trying to gauge what someone’s motivations are, quick cash advance lenders today are much more numbers based. Instead of trying to get to know you as a person, they just want all the information they can get about your numbers.

They want to know how much money you make and what your monthly expenses are. They want to know how much you’ll actually take home and put into your bank account at the end of the month, after taxes and all your expenses are paid.

After all, this is the money that you’ll use to pay them back. They want to make sure that you’ll make enough money by month’s end to make your payments to them.

It’s Fast, It’s Virtual, It’s Painless

The process of applying for a loan today looks something like this.

First, you select your lender. Then you submit the application online. The online application is fairly detailed and takes about 30 minutes.

The application is then sent to your quick cash advance lender, who reviews the application. They gauge your reliability based on your application and get back to you within 24 hours. Sometimes they even get back to you within 60 minutes.

Once you hear the response and get the terms and conditions for the loan, you can either OK it or decline it. If you accept the terms, the money will be wired right in your bank account.

That’s all there is to it – No phone calls, no interviews, no explaining yourself. Just fill out a form, click send and receive your money.

Cash Advance Loans Online

January 5, 2011

A 1 hour cash advance company will lend you the money that you need while you wait for your next paycheck. In exchange for the cash up front, you will pay the cash advance company an interest expense known as the Annual Percentage Rate (APR). The entire loan process is simplified and straightforward, which allows almost anyone the ability to become approved.

Lending Criteria

Unlike traditional bank loans, a quick cash advance loan has very few requirements on their applications. The majority of lenders will require that you present the following information:

  • Driver’s license
  • Social security number
  • Contact information
  • Paystub
  • Post-date check
  • Date of Birth

This is all you need in order to gain access the funds that you desperately need to pay off an emergency bill, housing payment or living expense. You won’t have to have a credit check or a reference check.

Lending Terms

Each lender is different, but most have the same type of lending terms and will fall into the following guidelines.

· Your repayment period will vary from 8 days to 31 days

· Your APR will be from 15% to 30%

· Your loan amount will be approved for $100 to $,1500 which will depend on your actual take home pay

Once you are approved by a cash advance lender, you will be given the cash instantly.  If you use an online lender, then you can expect to receive the funds within 1 business day. You can then use the money to pay off your bills.

Paying It Off

Your payday loan will automatically be drafted from your checking account which is why a post-dated check is required with your application. This means that you don’t have to worry about going back in to pay off your principal and interest balance. You can find a cash advance loans company in the phone book or online.