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Best Payday Loan Providers

Being in a situation that requires access to funds that are not available can be extremely stressful for people. Financial burdens and pressures are often ranked among the leading causes for divorce and stress-related illnesses. The good news for people that live in a paycheck to paycheck financial world is that there is a solution when emergency cash needs arise.

Payday loans are short-term loan product designed to help people faced with the situation just described. Lenders offer consumers access to quick cash, or direct deposit funds, in exchange for a moderate fee and a modest repayment term. Fees for payday loans are usually a little higher on an APR comparison with other loans. This is because the loans offer convenience in a time of need, and lenders often take on greater risk from the loans. Because of the speed with which most payday loan customers need access to funds, lenders often use a much less restrictive application process in order to accommodate customers. This increases their risk, and thus the costs

Below are some of the leading Payday loan providers in the industry. Many of these providers can get you a loan in as little as under 1 hour. The application is usually fairly fast. All the providers below can deal with applicants with good credit or bad credit. Please click here if you want to find out more about Payday loans.

Lender: Loan for Phone Dot Com

  • Instant Approval
  • No Credit Checks
  • Low Fees
  • Fair—No credit, no problem!
  • Safe—Trustworthy / Secure
  • Fast—Cash in 24 hours!

Lender: Cash West

  • You can easily get cash — up to $1500 — for your back-to-school purchases! Just fill out our simple form at CashWest for your payday cash advance.
  • Everyone may apply, and there is no credit check. You can get cash in 24 hours!

Lender: Cash Loan Provider

  • Need cash ? Don't wait for payday!
  • Get up to $1500 usd and use it for anything- Have bills to pay?
    Rent or Mortgage payments?
    or do you just need a few extra dollars?
  • Apply in less than two minutes and get the funds directly in your account in less than 24 hours

Lender: Cash Advance Resource

  • No credit checks and you don’t need to own a home.
  • Get approved today, and the money you need in 24 hours!
  • It's quick, easy and confidential.
  • You can get a pay advance of up to $1,500 with our quick and easy application.

Lender: Your Super Cash

  • No credit checks and you don’t need to own a home.
  • Get approved today, and the money you need in 24 hours!
  • It's quick, easy and confidential.
  • You can get a pay advance of up to $1,000 with our quick and easy application.

Lender: Secure Money Store

  • No Credit Check
  • Very Easy to Qualify
  • Very Easy to Apply

Lender: My Payday Loan

  • Loans are easy to apply and process
  • Large lender
  • Very Easy to Qualify
  • Very Easy to Apply

While the fees associated with the loans do not justify their use for non-essential purchases, payday loans do offer huge opportunities for people faced with emergencies. Common uses of the loans include unplanned car repairs, unexpected or high bills, and any other short-term cash need. As the name suggests, a payday loan is offered as a short-term funding need in advance of a paycheck. Thus, repayment periods are usually shorter, most of the time a matter of a month, or a few months at most.

Loan amounts vary depending on the borrower's qualifications as well as his relationship with the lender. Most lenders have a maximum initial loan amount, which is gradually increased as the borrower builds a relationship and credit history with them. As many lenders now operate online, the application and approval process for the loans is extremely convenient. Many lender sites promote instant approvals based on the borrower's credentials and predetermined set of decision criteria. This means a prospect could apply and get an automated approval in moments with some companies.

Often, companies promote payment within one business day for approved loans. This is important, as the borrower is looking to meet an emergency need. Borrowers need to be responsible with use of this type of loan. It is of great benefit to people in true need, but it is not a good source of low-cost funding for fun purchases.

Questions?

  1. What exactly is a payday loan?
  2. What are the requirements for a loan?
  3. How do I get a payday loan?
  4. How long do I have to pay back the loan?
  5. How do I receive my cash?
  6. How quickly can I get my money?
  7. How do bank holidays affect my loan?
  8. How much money can I have advanced to me?
  9. What are the loan fees for the cash advance?
  10. What if I do not get approved by the lender you matched me with?
  11. What if my application is not matched with a lender?
  12. What if I only have a savings account?
  13. What if I have a fixed income or benefits?
  14. What if I do not have a driver’s license or state ID?
  15. Do I need to fax any information?
  16. I am ready to get a payday loan / cash advance! Where do I go to apply?

What exactly is a payday loan?

A payday loan is a small unsecured loan, usually for $100 to $1,500, which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.

Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.

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What are the requirements for a loan?

The minimum requirements for a payday loan are:

  • You must be at least 18 years of age
  • Have a job (or other regular source of income)
  • You must have an active open bank account

To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your application and determine whether you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.

Once you submit your completed loan application, you will be connected instantly with a payday lender, who will evaluate your information. Your assigned lender may contact you directly and ask for additional information in order to approve the application. Payday lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your application matches their criteria.

In order to increase your chances of getting matched with a lender and ultimately approved for a loan, please be sure to fill out our application with honest verifiable information. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified.

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How do I get a payday loan?

Simply complete the online application and submit it from our web site and you will be connected to a lender online within seconds.

Once you are matched with a lender, you may be a required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and apply again to find a different lender.

Typically the proceeds of your loan will be electronically deposited into your bank account the next business day. You will typically have the ability to choose the payment option that works best for you. All payments are made by electronic transfer from your bank account.

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How long do I have to pay back the loan?

Your loan is normally due on your next pay date. However, most lenders will allow you to extend your loan by paying a fee.

Once matched with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due. You typically have the following options:

  • Do nothing and your loan will auto-finance
  • Pay off the loan in full
  • Renew the loan and pay interest and fees only
  • Renew the loan and pay interest and part of the principal
  • Please contact your lender directly if you have repayment questions.

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How do I receive my cash?

The payday loan / cash advance is wired directly into your bank account by your lender.

How quickly can I get my money?

Payday lenders typically process the loan immediately so that it will be available in your account the following business day after the loan is approved. Some lenders can wire the money to your bank account immediately. If you apply on a weekend or holiday, the money will be sent to you by your lender the next business day.

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How do bank holidays affect my loan?

The following bank holidays are observed by Federal Banks and their branches:

New Years Day
Martin Luther King, Jr. Day
Presidents Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Day
Christmas Day

For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.

If your loan is approved on a weekend or bank holiday, your funds will be sent the next business day. You should contact the lender directly to confirm when the money will be deposited and the ACH department of your bank to verify that the funds have been credited to your account.

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How much money can I have advanced to me?

Lenders will help you get up to $1,500, based upon the information that you provide to us on the loan application. Your lender may offer you a smaller loan until you establish a payment history with them.

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What are the loan fees for the cash advance?

Providers lised above work with a network of lenders whose cash advance fees are among the lowest in the payday loan industry. The fees will vary depending on which lender you are matched with.

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What if I do not get approved by the lender you matched me with?

While we have the largest network of qualified payday lenders on the internet, we cannot guarantee that you will receive the loan you need. We do our best to match your application with a lender likely to provide you with a loan. However, payday lenders utilize proprietary criteria to evaluate applicants and may not approve all accepted applicants.

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What if my application is not matched with a lender?

While we have the largest network of qualified payday lenders on the internet, we cannot guarantee that we can find a lender for you. If you are not matched with a lender, here are a few suggestions to improve your chances if you chose to re-apply:

  • Time of Day: Many lenders do not accept applications outside of normal business hours. You may want to re-apply during regular business hours – Monday through Friday 8 AM to 5 PM EST.
  • Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and re-apply.
  • Outstanding Payday Loans: Many lenders will not issue payday loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and re-apply.

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What if I only have a savings account?

We have several lenders in our network that can lend you money even if you only have a savings account. Please contact your bank to get the routing number. This is needed in order to electronically transfer the loan funds to your account.

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What if I have a fixed income or benefits?

As long as you have a steady stream of income, our lenders can provide a loan to you. Enter your benefit provider as your Employer. If you do not have the telephone number of your benefit provider, enter your own telephone number. Enter the number of months you have been receiving benefits for the Months Employed.

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What if I do not have a driver’s license or state ID?

If you do not have a driver’s license or a state ID, please enter your passport number or social security number.

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Do I need to fax any information?

No, the application process does not require faxed documents. However, your lender may ask you to fax over certain information, such as a paystub, if they are unable to verify information in your application.

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I am ready to get a payday loan / cash advance! Where do I go to apply?

Great! You can go click on any of the Payday lenders listed above on this page to apply.

Some Pay Day Loan Articles:

Payday Loan
Payday Loans
Payday loans and Pawnshops: comparing two popular ways of getting cash quickly

Payday Loans- An instant way of getting cash
Payday Loans: An Overview
Payday Loans are the World's Most Expensive Cash

Payday Loans: A better solution for the average American worker.

Payday Loans: A Helping Hand

Payday Loans - a terrible deal

Payday Loans, A Viable Option?

Payday Loans: Convenient Money or a High-priced Trap?

Payday loans – examine your alternatives

Payday Loans - Fast Cash For Financial Emergencies

Payday Loans: Fast, Easy
Payday Loans - Get Money Fast
Payday Loans - Helpful Tips With Fast Cash For Financial Issues

Payday Loans: How To Make Them Work For You
Payday Loans - Legal Loan Sharking?
Payday Loans: No Credit Check No Fuss Loans

Payday Loans Online for Fast Emergency Cash

Payday Loans Or Cash Advance Loans - Useful After A Bankruptcy

Payday Loans Pay Day Loan Poor Credit High Risk Guaranteed Loan

Payday Loans: Personal Finance Savior Or Disaster?

Payday Loans Provide a Necessary Service!

Payday Loans Pro's and Con's

Payday Loans Target Military Personnel

Payday Loans – The Legal Loan Sharking Industry

Payday Loans vs. Cash Advances - What's the Difference?

PayDay Loans - Watch Out For Automatic Renewal of Loans

Payday Loans - Ways To Keep Your Costs Low
Payday Loans: What Are They?
Payday loans: Why they are bad and how to make the best of them

Payday Loans With No Faxing - Are They Really Paperless?

Payday Loans: Your Aid To A Good Credit Report!

Payday Loan Advantages

Payday Loan and Cash Advance Lenders Online - How To Compare Them

Payday loan: A Complete overview
Payday loan companies
Payday Loan Companies - Are Their Rates Too High?

Payday Loan Companies - What To Expect When Applying For A Payday Loan Online

Payday Loan Company - Compare Payday Loan Companies To Get The Lowest Rate
Payday Loan Company Information

Payday loan fees may not be "interest" but it still adds up to misery for borrowers

Payday Loan: Legalized Highway Robbery Or Real Financial Help?

PayDay Loan Online – How Do Online Payday Loans Work?

PayDay Loan Online - Quick Cash Advance Loans Online Are Very Convenient

PayDay Loan or Cash Advance Loan - A Post Christmas Gift

Payday Loan Qualifications - What To Expect

Payday Loan Terminology

Pay Day Loans - Are They A Crime?

Pay day loans - Short term help

Click here for a list of all the articles on mortgage and loan tips.


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